Yomoni and PERmute join forces to simplify the transfer of PERs

The digital revolution continues to reshape the landscape of financial services in 2025, especially in the areas of savings and wealth management. Among the significant advances is the recent partnership between Yomoni, a major player in automated personal investment management, and PERmute, an innovative fintech specializing in simplifying transfers of retirement savings contracts. This partnership addresses a key challenge in retirement savings: streamlining, securing, and accelerating the transfer process of Retirement Savings Plans (PER) between institutions. Despite regulatory changes introduced by the Pacte Law in 2019, many savers remain hindered by complex administrative procedures and often lengthy delays.

This collaboration aims to leverage the respective strengths of both organizations: Yomoni’s digitalized wealth management expertise and PERmute’s technological platform, which unlocks the transfer mechanism for PERs. Through this synergy, an entire aspect of personal finance could see a transformed user experience, with more transparent, less tedious procedures, and better adapted to modern consumer expectations. Highlighting this partnership opens a new perspective, already praised by professionals, who see a committed effort to positively evolve the sector.

Yomoni and PERmute: two complementary players facilitating simplified PER transfers

At the heart of this partnership are two entities whose missions converge towards better wealth management and increased modernization of financial solutions. Yomoni, recognized as a leader in online savings management, offers efficient PER contracts including ETF (Exchange Traded Funds) investments. This original offering is available in both insurance and banking PER, positioning Yomoni as the only player offering these two complementary approaches on the French market.

PERmute, on its side, is a young fintech launched in 2023, dedicated to simplifying the transfer process of Retirement Savings Plans. Its digital platform revolutionizes exchanges between insurance companies, making processes faster, more transparent, and secure. By 2025, this technological solution is thus a major challenge to streamline a market often criticized for its slow pace and administrative burdens.

The Yomoni and PERmute partnership aims precisely to combine these expertise to facilitate the transfer of PER contracts to Yomoni’s in-house offering. This alliance offers a real competitive advantage: clients benefit from an intuitive interface allowing real-time tracking of their transfer progress, while Yomoni optimizes its internal operations by reducing errors and processing times.

• 🎯 Yomoni’s digital expertise for innovative savings management
• ⚙️ PERmute technology to automate and secure transfers
• 🔄 Streamlined process among various players in the financial sector
• 💼 Optimized management of retirement contracts by Yomoni
• 📊 Real-time tracking accessible to clients and partners

Feature	Yomoni	PERmute
Year of establishment	2017	2023
Business focus	Savings management and ETF investments	Simplification of retirement contract transfers
Target audience	Individual investors	Insurance companies and end clients
Key advantage	Hybrid PER offering both insurance and banking options	Secure and fast digital platform

The regulatory framework for PER transfers: developments and challenges

Since the adoption of the Pacte Law in 2019, the regulatory framework governing transfers between retirement savings contracts has undergone significant simplification. This reform introduced the possibility to transfer a PER from one institution to another without excessive penalties, with the aim of boosting mobility in the retirement savings sector. However, the practical implementation of these measures still faces significant issues, particularly concerning the speed and clarity of procedures.

The measures require enhanced information obligations for savers, as well as standardization of the documents needed for transfers. Nevertheless, intermediaries and insurance companies must deal with a heterogeneous technical environment, which poses a risk of exceeding regulatory deadlines. The overall assessment is clear: legal stability has been achieved, but administrative fluidity remains a sensitive point.

In this context, the collaboration between Yomoni and PERmute appears as a suitable solution, as it relies on digital technology to automate tedious and error-prone steps. The PERmute platform, combined with Yomoni’s expertise, provides a secure and compliant framework that reduces administrative burden and facilitates information exchange among stakeholders.

• 📜 Recent laws and regulations promoting transfer
• ⏱️ Processing times under strict monitoring
• ⚠️ Risks associated with the diversity of IT systems
• 🔐 Need for increased data security
• 🛠️ Requirement for effective and standardized digital tools

Regulatory Element	Description	Impact on transfer
Pacte Law (2019)	Facilitation of PER transfers between institutions	Increased mobility, removal of penalties
Information obligation	Mandatory communication to the client about procedures	Enhanced transparency
Maximum transfer time	Regulatory limit to be respected by players	Improved speed
Data security	GDPR protection and cybersecurity	Reliability and client trust

Summary of issues for finance actors

Respecting and adapting to this regulatory framework is crucial for all insurance companies offering PERs. The transfer process is a real competitive factor, as a streamlined procedure can be a differentiating argument for clients. Therefore, Yomoni fully integrates this dynamic into its strategy, relying on technological partners such as PERmute. This approach fits within a broader perspective of digitizing financial services and modernizing wealth management.

The user experience transformed through the digitization of PER transfers

The traditional complexity of PER transfer procedures is often criticized for its detrimental impact on customer satisfaction. With lengthy forms, often obscure information leaflets, and uncertain delays, the saver can quickly lose confidence and delay their mobility decision.

With the implementation of the PERmute solution on the Yomoni platform, the user experience undergoes a significant transformation. Processes are automated, the customer journey is fully digitized, and verification steps are optimized to limit redundant exchanges. Clients can now view the progress of their transfer in real-time through a clear and secure interface, fulfilling an essential transparency need.

A concrete example illustrates this change: Ms. Dupont, 45 years old, wishing to transfer her old PER to Yomoni Retraite+, was able to complete the entire process online, without tedious phone contact. The transparent follow-up and removal of administrative barriers allowed a transfer to be completed in less than 3 weeks, while the market average often exceeds 2 months.

• 🖥️ Intuitive client interface
• 🚀 Drastic reduction in delays
• 📧 Automatic notifications of key stages
• 📱 Accessibility via computer, tablet, or smartphone
• 🔍 Total transparency on progress

Transfer Step	Traditional process	PERmute process
Initial request	Paper form + postal mailing	Online filling through a secure platform
Validation of the file	Long delay due to manual exchanges	Automation with real-time alerts
Transfer tracking	Limited visibility for the saver	Dashboard interface with detailed overview
Finalization	Resolving potential disputes by phone	Centralized and rapid management of special cases

Implications for wealth management and investment in 2025

Optimizing the transfer of PERs directly impacts wealth management strategies in 2025. A smooth management of contracts allows for better asset allocation and rapid portfolio adjustments based on market changes and investor profiles. Yomoni, with its dual PER system—banking and insurance—offers a flexible framework combining innovation and security.

The simplification of transfers via PERmute also promotes greater investor autonomy, allowing individuals to choose their manager without fear of delays or unforeseen costs. This dynamic is likely to encourage increased mobility in the retirement savings market, a key element to fostering competition and innovation in financial services.

Furthermore, this evolution leads to increased demand for educational tools and personalized advice. One of the objectives is to support savers in understanding different investment envelopes and options to optimize their retirement savings with a long-term perspective.

• 📈 Enhanced mobility between contracts and managers
• 💡 Increased autonomy for savers in their investment choices
• 🤝 Gained trust through transparency
• 🎯 Optimization of retirement portfolios
• 📚 Growing need for personalized support

Impact	Before simplification	After simplification with PERmute
Average transfer time	60+ days	less than 20 days
Transparency for savers	Low	High
Management flexibility	Limited	Optimal
Hidden costs	High risk	Almost none

The impact of the partnership on the French retirement savings market

The spotlight on the Yomoni-PERmute partnership has generated keen interest among institutional players and sector experts. This alliance is seen as a best practice example, capable of driving sustainable change in the management of retirement contracts. Professionals highlight the market’s lack of fluidity as a major obstacle to the development of retirement savings and see this collaboration as a powerful lever for improvement.

The convergence of technologies around a single platform could foster gradual standardization, paving the way for more flexible inter-company transfers. This trend fits within a broader movement toward the digitization of financial services, a fundamental shift to address the sector’s historic complexity. Simplifying the client journey thus becomes a decisive competitive criterion among managers and insurers.

Moreover, this development also opens the door to better financial education for savers. Digital tools provided encourage awareness of the issues linked to retirement savings and stimulate individual initiatives to build an appropriate retirement capital.

• 🏦 Ripple effect on the digitalization of the market
• 🔗 Strengthening competition among managers
• 🎓 Improvement in clients’ financial literacy
• 📉 Reduction of operational costs
• 📲 Acceleration of processes through digital platforms

Aspect	Before the partnership	After the partnership
Digitalization of transfers	Low	High
Player engagement	Medium	Strong
Process visibility	Limited	Clear and accessible
Transfer costs	Variable and opaque	Standardized and controlled

How does this alliance meet the expectations of modern clients?

The increasing demands of consumers for digital experience and transparency in managing their finances partly explain the success of the Yomoni-PERmute partnership. Today’s savers prefer simple, quick, and accessible solutions at any time. This alliance meets these criteria through extensive digitalization of procedures and seamless communication.

Moreover, the integrated solution promotes better decision-making thanks to clear information and real-time monitoring. The saver is no longer just a passive client but an informed actor of their choices. This autonomy is positioned as a powerful lever to enhance loyalty and trust. The ability to transfer a PER easily thus becomes a compelling argument in the competition within financial services markets.

• 📲 24/7 access via web and mobile platforms
• 🛡️ Enhanced security of personal data
• 📈 Quick transfers reducing stress and uncertainty
• 🤝 Available digital and human client support
• 🧑‍💼 Personalized savings solutions

Yomoni simplifies the transition to an optimized PER

This partnership also fits into Yomoni’s broader strategy to offer clients a high-performing, competitive, and transparent PER. By fully reimbursing transfer fees up to 1,000 euros for transfers over 5,000 euros, Yomoni creates an attractive framework. This measure clearly aims to encourage savers to migrate their contracts in a secure environment, where investment is optimized based on proven passive management.

It is worth noting that, according to some ACPR analyses, transfers are still largely underutilized due to a lack of suitable digital solutions. The alliance between Yomoni and PERmute directly addresses this obstacle through a determined action, similar to other initiatives already envisioned in the market.

Perspectives and upcoming innovations in the retirement savings sector

With the increasing digitization driven by players like Yomoni and PERmute, major innovations are on the horizon for retirement savings. Full automation of transfers, using artificial intelligence to tailor portfolios, or increased personalization of plans are some probable futures. These developments aim to make wealth management accessible, efficient, and aligned with the expectations of modern savers.

Other trends, such as partial disintermediation via decentralized platforms or the rising importance of ESG (environmental, social, and governance) criteria in investment choices, also influence the sector. The role of fintechs like PERmute is crucial in democratizing these new practices by providing seamless interfaces with traditional systems.

• 🤖 Artificial intelligence for personalized management
• 🌱 Responsible and sustainable investments
• 🔗 Enhanced interoperability between financial platforms
• 💬 Advice and support via chatbots and virtual assistants
• 📊 Complete transparency of fees and performance

Innovation	Expected impact	Ongoing development
Full automation of transfers	Time savings and error reduction	Pilot phase with PERmute
AI for personalized management	Portfolio optimization	Tested by Yomoni
ESG integration	Alignment with investor values	In progress

Security and confidentiality issues in the digitalized transfer of PERs

The rapid digitization of transfers cannot come at the expense of security and confidentiality of personal data. Indeed, the information linked to retirement contracts is particularly sensitive, combining financial and personal data. Yomoni and PERmute have thus implemented rigorous measures to ensure compliance with GDPR standards and to guarantee enhanced cybersecurity.

Among these measures are multi-factor authentication protocols, data encryption, and continuous access control. These measures complement a strict internal policy aimed at limiting data circulation to what is strictly necessary. This approach helps strengthen client trust, a crucial criterion when choosing a savings manager.

Finally, collaborating with reputable insurance partners, such as Spirica for Yomoni Retraite+, contributes to ensuring a secure overall framework. This security is already in place to meet increased regulatory and client demands.

• 🔒 Full GDPR compliance
• 🛡️ Multi-factor authentication
• 🧾 Sensitive data encryption
• 🔍 Continuous monitoring and regular audits
• 🏢 Partnerships with trusted insurers

Security Measure	Description	Benefit for the saver
GDPR compliance	Legal conformity and data protection	Respect for privacy and increased trust
Strong authentication	Secure access to transferred accounts	Reduced fraud risks
Encryption	Protection of data exchanges	Guarantee of confidentiality

Key steps to successfully transfer a PER with Yomoni and PERmute

To fully benefit from this simplification, it is essential to know the key steps for transferring a PER contract via the integrated Yomoni-PERmute platform. This process combines simplicity and rigor to avoid any inconvenience or delays.

It begins with subscribing to the contract with Yomoni, followed by a transfer request via a precise digital form. PERmute then takes over by orchestrating exchanges between the former manager and Yomoni. The saver is informed at each step thanks to automatic notifications. Finally, the receipt of funds occurs within a reduced timeframe, allowing for a rapid continuation of wealth management.

• ✍️ Subscription to Yomoni PER
• 📝 Online application via PERmute platform
• 🔄 Transmission of documents and validation
• 📩 Transfer monitoring with notifications
• ✅ Finalization and contract management

Step	Approximate duration	Responsible actor
Subscription	1 to 2 days	Saver / Yomoni
Initial transfer request	24 hours	Yomoni / PERmute
Validation & exchanges	10 to 15 days	Former manager / PERmute
Finalization	3 to 5 days	Yomoni

Precautions for a successful transfer

It is recommended to:

• 🔎 Verify the accuracy of provided information
• 📄 Keep contractual documents and supporting evidence
• 📞 Contact customer service promptly in case of doubt
• 🕒 Anticipate delays based on contract complexity
• 🛡️ Ensure rigorous follow-up via the digital platform

FAQ – PER transfer and Yomoni-PERmute collaboration

• What are the main advantages of transferring a PER via Yomoni and PERmute?
  The transfer is quick with real-time tracking, the procedure is secure and straightforward thanks to digitization, and transfer fees up to 1,000 € are reimbursed.
• Can all types of PER be transferred to Yomoni?
  Yes, old PERP, Madelin, or other PER contracts can be transferred via the PERmute platform to Yomoni Retraite+.
• What are the average timelines for a complete transfer?
  With PERmute, transfers generally take less than 20 days, compared to over 60 days previously.
• Is data security assured?
  Absolutely, Yomoni and PERmute fully adhere to GDPR standards and use advanced security protocols including encryption and strong authentication.
• Where can I find more information on transfer regulations?
  Detailed information is available on the ACPR website and other specialized sources such as the BTS Assurance help.