Home » Akt.io, the next-generation savings platform that’s revolutionising payments

Akt.io, the next-generation savings platform that’s revolutionising payments

by Tim

Tired of juggling between current account, cryptocurrency buying platforms and decentralised finance platforms (DeFi)? The Akt.io app takes the gamble of bringing all these tools together in one place, all orchestrated by its AKTIO token, which offers many benefits to its holders.

Akt.io or investment 2.0

Founded in 2017, the fintech Akt.io wants to redistribute the cards of traditional investment with many revolutionary tools.

The Akt.io platform, launched by 4 friends, was spun off from the Irish branch of Automata Group. Gaël Itier, the company’s CEO, has been immersed in the world of finance since his studies, having graduated from the École Polytechnique de Nice.

Throughout his career, he has closely studied high-frequency trading algorithms, for which he was awarded the BFM TV prize “Les Talents du trading” in October 2014.

Akt.io was born from the collaboration between Gaël Itier and Julien Halimi, current product manager, Jean-Yves Guillou, investment director, as well as Stéphane Perrin, deputy managing director.

The platform is centred on one objective: to offer a better way to grow one’s assets by focusing on the user experience.

The services offered by Akt.io at the time of writing are numerous:

  • Euro blockchain vault paid daily;
  • Buying and trading over 100 cryptocurrencies;
  • Physical card to use the money generated by your investments;
  • Virtual card;
  • Create a European IBAN to make transfers;
  • Automated investment with WealthBot;
  • Bridge between fiat currencies and cryptocurrencies via a proprietary algorithm.

Already present in the 4 corners of Europe, notably in the “French Silicon Valley” that is Sophia Antipolis, Akt.io also plans to open offices in Dubai in a logic of international expansion.

In March 2022, Akt.io finalised its $27 million Initial Coin Offering (ICO) for its AKTIO token.

These funds will be used to allow Akt.io to continue to disrupt the codes of traditional finance via innovative means such as artificial intelligence, while keeping a guideline oriented towards accessibility.

In full expansion, Akt.io is constantly expanding its team, surrounding itself with engineers, researchers and former traders in order to synthesize all of its poles into a finished product.

Akt.io’s product overview

By registering on Akt.io via our link below, you will receive a bonus of €1 to €200 in the form of AKTIO tokens after trading at least €50 on the platform.

As mentioned earlier, Akt.io offers a wide range of tools to manage your money and make it grow. Let’s see what makes Akt.io a disruptive model to its competitors.

Grow your money with Akt.io

First, we will explore Akt.io’s first upcoming exclusive, the “Euro blockchains vaults”.

Thanks to this unique tool, the fintech wants to revolutionise savings by linking euro safes to the blockchain with daily credited interest. In concrete terms, these “safes” can generate up to 10% annual return.

But that’s not all, these safes can be shared. In other words, they allow you to plan projects with friends, your spouse, or anyone else, all from the same application.

What’s more, withdrawals from these Euro vaults will be possible at any time and totally free: there are no fees applied.

A lot of other projects allowing to make your investments evolve are in the cartons of Akt.io, and will be released very soon.

Cryptocurrencies and decentralised finance (DeFi)

Akt.io directly integrates over 100 cryptocurrencies, which can be purchased in seconds from its mobile app.

You will be able to find the main cryptomoins such as Bitcoin (BTC), Ether (ETH) or BNB, but also stablecoins such as USDC or USDT, as well as those associated with the world of decentralized finance (DeFi) such as SUSHI, CAKE or AAVE and finally other cryptomoins related to non-fungible tokens (NFTs).

Dedicated cryptocurrency interface on the Akt.io mobile app

Dedicated cryptocurrency interface on the Akt.io mobile app


To buy a cryptocurrency on the Akt app, simply tap on it, then press the “Buy” button.

A window will pop up with the transaction fee and the amount of crypto-currencies of your choice, which you will then receive within moments. You can buy crypto-currencies in euros as well as with any crypto-currency you have.

Once completed, the crypto-currencies are then visible directly from the app’s home screen.

WealthHub, Akt.io’s proprietary trading tool

To execute all transactions on its platform, the Akt.io team created WealthHub.

This is a technology capable of exchanging funds between fiat currencies, cryptocurrencies and a wide range of traditional financial instruments such as fractional shares, all in a direct and instantaneous manner.

WealthHub’s algorithms aggregate order book data from each of the providers connected to Akt.io.

The tool then analyses all possible routes between the two assets requested, taking into account fees, liquidity and speed of execution, in order to select the most interesting option for the user.

The AKTIO utility token

Following its March 2022 ICO, Akt.io has revealed the many benefits offered by its AKTIO token, which will include:

  • Frictionless payments;
  • 25% discount on transaction fees;
  • Significant fee reduction when using bridges for cryptocurrencies;
  • Transparent tracking of all transactions using the AKTIO token;
  • Increased transaction speed.

Future plans for Akt.io

In addition to the products mentioned above, Akt.io wishes to implement in the near future many features:

  • Physical and virtual cards that allow you to pay with all your assets (e.g. pay with your interest generated by vaults;
  • AKTIO token staking to add an extra layer of passive income;
  • A tool that automatically invests in cryptocurrencies for users: the WealthBot ;
  • Instant SEPA and SWIFT transfers and recurring transfers;
  • The addition of 30 fiat currencies to the application;
  • US and European stocks.

As for investment options, Akt.io plans to be able to receive cryptocurrencies from external exchanges, stock trading in Europe and the US, or, a tool many will appreciate, automated tax reporting management of your cryptocurrency gains.

The different statuses offered by Akt.io

Akt.io will offer three different statuses for its members, “Freedom”, “World” and finally “Elite”.

The benefits of each status are as follows:

  • Freedom (free): access to 100 crypto-currencies, up to 10% annual interest on Euro Vaults with daily payments, as well as a personal IBAN and the ability to make SEPA transfers;
  • World: access to the “WealthBot”, unlocking the “Metal WealthCard” to use Euro and cryptocurrencies for everyday transactions, as well as exclusive benefits (insurance, airport lounges, etc.);
  • Elite: personalised WealthBot service and the ability to use it for cryptocurrencies, personal wealth advisor and tax lawyer available, unlocking of the “Gold & Diamond WealthCard”, invitation to exclusive events and concierge services.

The WealthBot

will be implemented

Amongst these many tools, we also find the WealthBot briefly mentioned earlier, which is actually one of the pillars of Akt.io due to its singularity.


The WealthBot is the result of many years of work and is a tool structured by various algorithms taking into account market data, various trend indicators, volatility and market models to automate your investments.

“In other words, you can sleep soundly even in volatile markets like today. If the market crashes overnight, the WealthBot will have limited the damage by cutting or reallocating your capital to limit your losses.”

The WealthBot will satisfy both novice and experienced traders. Thanks to this tool developed by Akt.io, position automation has never been so easy.

Also taking into account your risk appetite, this tool will be available exclusively on the crypto market at first, and should be deployed on a wider scale in the future.

Moreover, it is fully customizable, so you can configure it as you wish and set your own investment limits.

Of course, this is a completely optional feature, so you can choose whether or not to use it.

WealthCard launched

The WealthCard will delight many: this payment card will actually allow you to pay for your daily transactions using all your assets.


Effectively, this card will link your paid-in euro coffers, your shares, the profits of the WealthBot, but also your cryptocurrencies at the same time.

Thanks to the WealthCard, crypto-currencies can finally become an everyday medium of exchange, goodbye obsolete current account. Where Akt.io really breaks new ground is that a user has the ability to make payments with the interest they generate from their interest-bearing euro coffers, which is credited daily.

Conclusion on Akt.io services

With its array of exclusive cryptocurrency-related tools, Akt.io looks set to be one of the names to remember over the next few years.

Indeed, we are in a period where crypto-currencies are gaining ground at a lightning speed among the general public. After being used mainly for investment and speculation, Akt.io is doing its bit to make crypto-currencies more useful.

Moreover, the more time passes, the more we quickly find ourselves juggling bank accounts, digital wallets, platforms dedicated to DeFi, and for some even traditional investment, and all the while having to constantly scan the market.

Akt.io was aware of this problem in time: the application brings together all the necessary means to manage everything in one place.

Take a look at the roadmap of Akt.io, many interesting features will be available in the course of 2022.

So, although Akt.io is still in its infancy, it has already found its audience, without much surprise. The AKTIO token, for example, was launched at an initial price of one dollar, and saw its price exceed the symbolic threshold of 6 dollars just a dozen days later.

We will also appreciate Akt.io’s upcoming payment card, which, for an attractive price, allows you to use the euro in its traditional form and cryptocurrencies to pay for everyday purchases.

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