Turn innovation into financial products that really matter

Eliminate technological complexities and offer your customers the best fintech/insurtech products with an unique user experience and a very fast time to market.

Our Products

  • PFM & BFM
  • Microservices
  • Financial Health
  • Group Savings
  • Neo-Banks


Personal Finance Manager & Business Financial Manager

Offer your customers the best tool to control their financial life. Our white label PFMs and BFMs allow you to easily create smart and intuitive services that make financial management a more engaging experience.




Micro-savings and Micro-insurance Module

Our Micro-savings tools allow your users to save automatically through rules such as rounding up purchases or a percentage of the payroll. Using principles of behavioral economics and goal-based planning, we get users to save without even realizing it.

Financial Health

Financial Health

Financial planning & financial health platform

We help the user to guide himself in the complex world of financial life. With a brief questionnaire the platform is able to determine the user’s financial health and give recommendations on actions to be taken to improve it by making a product sale from the customer’s needs.

Group Savings

Group Savings

Group savings and shared payments module

Allow your clients to organize groups to make joint payments or to save collaboratively in order to achieve their financial goals sooner. Improve engagement with your users and increase customer acquisition thanks to the virality of the invitations.


Neo banks

Neo-banking & parent-child banking

Offer your customers a new service through a current account and a debit card that combined with an excellent user experience allows you to launch a new bank in a matter of a few months. Discover also the power of the parent-child banking module to teach the value of money to the youngest in the house.

Powered By


COCO is the artificial intelligence engine that was born from a research group at the University of Vigo and that allows the categorization of banking movements and on which we have built a business intelligence model that allows:

  • Categorize income and expenses with 90% effectiveness.
  • Analyze financial situation and perform complex calculations.
  • Discover insights and improvements in financial health.

Open Banking

Take advantage of the opportunities that PSD2 opens up and become the bank of reference for your client by offering a 360º picture of their finances and providing them with all the functionalities they demand.



Our products have been built from the principles of behavioral finance which say that sometimes it is necessary to give a push to the user to make the best financial decisions. At Coinscrap we design our solutions to become that push to help users analyse their finances, discover recommendations, facilitate decisions and automate them.

Success Stories

More than 2.500€

Increase savings and investment rates

5 New Opportunities

New cross-selling opportunities

6 New Saving Strings

In the customer acquisition channel

Partner with Us

We team up with the best software partners, system integrators, and consultants to develop AIl-driven financial technologies that allow banks to thrive.


Customers Reviews

Maria Paz Evo
Evo Banco

Paz Comesaña

MK, Advertising and Strategic Alliances Director at Evo Banco

The Smart Piggy Bank is a product that allows you to save while you spend, with a very easy and fun UX, incorporating attractive and current rules, and therefore, we are able to give life to our customer’s dreams.

Caser Seguros

Miguel Aldalur

Director of Private Individuals Life Insurances and Retirements at Caser

Working hand in hand with Coinscrap has brought us value from the know-how to the technological integrations, with the speed and technical solvency we need for a project that aims to revolutionize the world of micro-savings.


Diego Romero

Head of Digital Business Strategy of Banco Santander

Working alongside Coinscrap Finance has accelerated and enhanced Banco Santander’s micro-savings project. The cooperation with Fintech companies allows the bank to reduce “time to market” through very fast and concrete technological integrations.

Do you want to turn innovation into financial products?

Contact Us