Pigment

AI-native business planning platform for finance, sales, and HR teams

Pennylane

French AI accounting platform connecting SMEs and accountants in real time

Pigment

Excellent

23/25

Pennylane

Excellent

22/25

Score Breakdown

DimensionPigmentPennylane

Data Residency

Where is your data stored and processed?

Pigment: EU data centres; French company with EU-only processing

Pennylane: Financial data hosted in France on EU infrastructure with no cross-border transfers outside the EU.

5/5

EU data centres; French company with EU-only processing

5/5

Financial data hosted in France on EU infrastructure with no cross-border transfers outside the EU.

Legal Jurisdiction

Which laws govern the company and your data?

Pigment: French SAS under EU jurisdiction; not subject to US CLOUD Act

Pennylane: French SAS incorporated and operating under French and EU law; directly subject to CNIL enforcement.

5/5

French SAS under EU jurisdiction; not subject to US CLOUD Act

5/5

French SAS incorporated and operating under French and EU law; directly subject to CNIL enforcement.

Data Retention & Training

Is your data used for model training?

Pigment: No training on customer data; enterprise retention controls

Pennylane: Client accounting data is isolated per account and not used for cross-client model training.

4/5

No training on customer data; enterprise retention controls

4/5

Client accounting data is isolated per account and not used for cross-client model training.

Certifications

ISO 27001, SOC 2, Cyber Essentials, etc.

Pigment: SOC 2 Type II and ISO 27001 certified

Pennylane: ISO 27001 certification in place; SOC 2 audit not confirmed for this relatively young platform.

4/5

SOC 2 Type II and ISO 27001 certified

3/5

ISO 27001 certification in place; SOC 2 audit not confirmed for this relatively young platform.

Regulatory Fit

Suitability for regulated industries and professional services

Pigment: Excellent fit for EU financial services and regulated enterprise planning

Pennylane: Purpose-built for French and EU accounting standards with CNIL-compliant data practices and PSD2 open banking integration.

5/5

Excellent fit for EU financial services and regulated enterprise planning

5/5

Purpose-built for French and EU accounting standards with CNIL-compliant data practices and PSD2 open banking integration.

Total Score

23/25

22/25

Best For

Pigment

Best for EU-headquartered organisations needing maximum data sovereignty; regulated industries (CNIL, AMF); privacy-conscious teams who need strong data retention controls.

Pennylane

Best for EU-headquartered organisations needing maximum data sovereignty; regulated industries (BaFin, AMF); privacy-conscious teams who need strong data retention controls; enterprises requiring SSO integration.

Detailed Comparison

Pennylane vs Pigment: Trust & Compliance Comparison

Pennylane (Pennylane, FR) scores 22/25 overall with a Gold (Excellent) trust badge. French AI accounting platform connecting SMEs and accountants in real time. Pigment (Pigment, FR) scores 23/25 with a Gold (Excellent) trust badge. AI-native business planning platform for finance, sales, and HR teams.

Dimension-by-Dimension Breakdown

#### Data Residency

Both score equally at 5/5.

●Pennylane (5/5): Financial data hosted in France on EU infrastructure with no cross-border transfers outside the EU.

●Pigment (5/5): EU data centres; French company with EU-only processing

#### Legal Jurisdiction

Both score equally at 5/5.

●Pennylane (5/5): French SAS incorporated and operating under French and EU law; directly subject to CNIL enforcement.

●Pigment (5/5): French SAS under EU jurisdiction; not subject to US CLOUD Act

#### Data Retention & Training

Both score equally at 4/5.

●Pennylane (4/5): Client accounting data is isolated per account and not used for cross-client model training.

●Pigment (4/5): No training on customer data; enterprise retention controls

#### Certifications

Pigment leads with 4/5 vs 3/5.

●Pennylane (3/5): ISO 27001 certification in place; SOC 2 audit not confirmed for this relatively young platform.

●Pigment (4/5): SOC 2 Type II and ISO 27001 certified

#### Regulatory Fit

Both score equally at 5/5.

●Pennylane (5/5): Purpose-built for French and EU accounting standards with CNIL-compliant data practices and PSD2 open banking integration.

●Pigment (5/5): Excellent fit for EU financial services and regulated enterprise planning

Certifications at a Glance

Certification	Pennylane	Pigment
ISO 27001	Yes	Yes
SOC 2 Type II	No	Yes

Overall Verdict

Pennylane and Pigment are closely matched on trust and compliance, with scores of 22/25 and 23/25 respectively. The right choice depends on your specific regulatory requirements and existing technology stack.

Frequently Asked Questions

Which is better for EU compliance, Pigment or Pennylane?

Pigment has a TrustKit score of 23/25 while Pennylane scores 22/25. Pigment currently rates higher across data residency, legal jurisdiction, data retention, certifications, and regulatory fit.

How do Pigment and Pennylane compare on data residency?

Pigment scores 5/5 for data residency (EU data centres; French company with EU-only processing), while Pennylane scores 5/5 (Financial data hosted in France on EU infrastructure with no cross-border transfers outside the EU.).

Are Pigment and Pennylane GDPR compliant?

Both tools are assessed across five compliance dimensions. Pigment has a regulatory fit score of 5/5 and Pennylane scores 5/5. Check the full comparison above for a detailed breakdown.

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