With 11Onze, you are pioneers: we are a fincom

For months we have been explaining what we are and why we are like this. It all responds to an idea: that Catalans can build our financial sovereignty. And, in the end, distilling and distilling, we have taken the shape we want: we are a community fintech, a fincom. And this model is a pioneer in the world. 


Are there traditional banks? Yes, and we know how they work, that’s why we’ve dedicated a series of podcasts to protect ourselves from bank abuse. Community banks? Also exist! 11Onze President James Sène has often talked about how we have taken the example of African-American community banks in the United States. If you want to learn more about community banking, you can do so here. That fintechs already exist? Of course, they are an alternative model for the future, from which we have incorporated many ideas. But, in the world, 11Onze is a pioneer.

That’s why we needed a new word to explain ourselves: “fincom”, the contraction of fintech and community. And what does it mean to be a fincom? Imagine that we are like a small town, with a community of neighbours who want to specialise in the financial world. A fincom is a website where we learn to empower ourselves collectively.

And, as in any city, when you are part of the 11Onze community, you have La Plaça, a digital site that brings together all the services to build your financial independence: the financial institution, where you can open an account with El Canut; a school where you can Learn; a cinema and a radio with 11OnzeTV; a newspaper stand with the Magazine; and a neighbourhood with other users and the 24/7 attention of the agents. Later on, we will have a Marketplace where you can buy products and services. And, by the way, we even have our own currency, Les Peles!

So, if anyone asks you if 11Onze is a bank, the answer is simple: no, it is much, much more. Can 11Onze do everything a bank does? Progressively, yes, and we will do things that are unimaginable for a bank, because we are counting on you to do them. Let’s take a look back at how we have explained our fincom!

11Onze is becoming a phenomenon as the first Fintech community in Catalonia. Now, it releases the first version of El Canut, the super app of 11Onze, for Android and Apple. El Canut, the first universal account can be opened in Catalan territory.

If you liked this article, we recommend you read:


“11Onze is a financial hub”

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11Onze is much more than a Catalan fintech: it is a financial


The fincom that builds financial sovereignty

5 min read

At 11Onze we are not just creating a fintech.


A fincom is much better than a fintech

3 min read

What sets us apart from traditional banking?

Equip Editorial Equip Editorial
  1. Jesus Manuel Nuňez TizadoJesus Manuel Nuňez Tizado says:
    Jesus Manuel

    Bon dia, NO puc entrar al meu compte del Canut, sabeu si n’hi a quelcom problema?

  2. Daniela SimónDaniela Simón says:
  3. Guillem Maura RayoGuillem Maura Rayo says:

    Quin projecte més engrescador i novedós, ens permet la llibertat finsnçera, gràcies, 11Onze

  4. Laura León AmatLaura León Amat says:

    👏 👏 👏 pioners, en cknstant creixement i endavant!!

  5. Josep RouraJosep Roura says:

    Acabo d’escoltar en Darren. Molt interessant.

  6. Jordi

    Estic molt content de la vostra calidesa i pionera. El català és pioner. Content . I l’Enric dels bancs.

  7. Francesc Estafanell PujolFrancesc Estafanell Pujol says:
    Francesc de Borja

    Eixamplar els coneixements de que és i cap on anem, és bàsic per fer allò que estem fent a La Plaça i també per allò que poguem fer en un futur quan més pròxim millor. Salut i força al Canut

    • Jennifer Roca Civit says:

      Moltes gràcies pel teu comentari engrescador, Francesc. Els coneixements sempre ens ajuden a créixer, i més encara si són coneixements del món financer. Que acabis de passar molt bon diumenge.

      2 years ago
  8. Gabriel JosidGabriel Josid says:

    Fa res que la cooperativa Som Energia, i degut a la enrevessada situació de les petites empreses energètiques, ha ofert als seus socis invertir en el capital social de la pròpia cooperativa, i així guanyar fortalesa financera, protegir la seva independència i seguir lluitant per un model energètic realment sostenible. Molts dels socis, més de 5000, hi hem invertit part dels nostres estalvis. Seria possible que en un futur mitjançant el Canut, es pugui veure el capital invertit en altres cooperatives no financeres?

    • James SeneJames Sene says:

      Pots explicar la teva idea Gabriel? Vols que des del Canut és pugui gestionar les inversions fetes amb tercers?

      2 years ago
  9. alicia Coiduras Charlesalicia Coiduras Charles says:

    Un excel.lent pods defineix perfectament 11Onze.

  10. Joan Santacruz CarlúsJoan Santacruz Carlús says:
  11. Manuel Bullich BuenoManuel Bullich Bueno says:

    Desitjant que implementeu més serveis, com el de poder obrir un dipòsit, invertir en accions, metalls preciosos, obrir comptes en altres països de la UE,…
    Gràcies per la gran tasca q esteu fent💪💪

  12. James SeneJames Sene says:

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