L’X start-ups are shaking up the finance and insurance sector with innovative technological solutions. The Birdylabs start-up, which passed through the École Polytechnique Accelerator, has created a microsaving application for individual use. Users of the Birdycent app can round up the amount of their purchases to the next euro, and then transfer this micro-amount to an electronic piggy bank. The start-up managed to generate $3 million in its first round of fundraising in October 2018. Napoleon Capital has developed the first 100% quantitative asset management system based on a Darwinian model that aims to provide the best investment strategies in a given sector. This system creates and manages a community of traders and scientists, with an incentive system whereby they submit their best algorithms and receive performance bonuses through a retrocession mechanism.