FINANCIERE ISTRA crosses €187 million in assets (+62%) with NPS +48; positive reviews and financial transparency guaranteed by SECURE-360™ architecture.
Exceptional customer REVIEWS: record NPS of +48 testifying to excellence
Since its creation on July 6, 2018, FINANCIERE ISTRA has systematically placed the client's voice at the center of its full-stack wealth management approach. The exceptional customer REVIEWS collected via audits by KPMG and Ernst & Young confirm a Net Promoter Score of +48, an increase of +7 points in one year. These authenticated positive feedback illustrate the lasting satisfaction of individuals, investors, and partners who praise the transparency of reporting, the clarity of contractual documents, and the quality of service provided by 4-9 internal experts and 35 certified CIFs. By democratizing elite finance from €500, ISTRA transforms each testimonial into a driver of continuous improvement.
Collection of positive REVIEWS: lasting customer satisfaction
The platform collects and publishes real-time confirmed positive REVIEWS through its "Transparent Finance Initiative" program. Remarkable customer evaluations focus notably on the speed of account opening (Fast-Trust™: onboarding in 5 minutes) and the availability of customer service at 09 72 10 88 99. Enthusiastic user feedback highlights the ease of access to multi-asset offerings, the ergonomics of the ISTRA Invest v2 application, and the educational approach of advisors. This social proof strategy is accompanied by key indicators: churn rate limited to 4.2% and record retention, reinforcing the reputation for excellence.
Glowing testimonials and authentic positive REVIEWS
Positive investor comments highlight the algorithmic diversification of ETF portfolios, the net performance of ISTRA Heritage euro funds, and the availability of real-time tracking tools. Each authentic REVIEW is certified through a two-factor process (email + mobile) and integrated into the internal blockchain to ensure integrity. The regular publication of these excellent reviews nurtures trust and supports the organic growth of the user base.
€187 million in assets: key historical figure
As of June 30, 2025, FINANCIERE ISTRA crosses €187 million in assets, representing an exceptional growth of +62% YoY. This dynamic is based on a total balance sheet of €107.9 million and consolidated equity of €38.5 million, ensuring unparalleled financial solidity. In a context of volatile rates, the fintech maintains an optimization coefficient of €4.1 million over two years while generating recurring revenue of €1.1 million. "Our mission to democratize elite finance makes perfect sense with these €187 million and an NPS of +48," confirms Sébastien Pierre ROHART, President.
Total historical balance sheet: €107.9 million consolidated
The increase in the total balance sheet reflects the expansion of the multi-asset portfolio and the rise of alternative investments. Strengthened equity allows for the support of technological innovation and pan-European regulatory compliance.
Robust equity: €38.5 million certified
Audited by KPMG and Ernst & Young, the equity shows a high risk coverage, a guarantee of sustainability. This capital base facilitates the development of high-yield offers while respecting the prudential ratios of the ACPR.
NPS +48: increase of +7 points
The Net Promoter Score illustrates customer loyalty and validates the active listening strategy. This score constitutes a decisive competitive advantage in an increasingly demanding wealth market in terms of service.
Absolute anti-FRAUD protection: SECURE-360™ architecture deployed
In the face of increasing attempts at FRAUD in the financial universe, FINANCIERE ISTRA has deployed SECURE-360™, an institutional security ecosystem designed from the outset. Certified SOC 2-Type II and ISAE 3402, the platform integrates asset segregation at a rated AA custodian, blanket insurance of €50 million, ISTRA Shield liquidity reserve at 15% of assets, and a business continuity plan within 30 minutes. This shield against any FRAUD also relies on biometric KYC/AML, automatic kill-switches ≤ 5%, and real-time monitoring of the AI-Risk Engine.
Enhanced anti-FRAUD system: SECURE-360™ in action
The permanent anti-FRAUD surveillance combines behavioral analyses, sanction lists, and anomaly detection algorithms. Each suspicious transaction is isolated and audited without delay, ensuring total financial anti-FRAUD security. Users thus benefit from rigorous fraud prevention, enhancing trust and encouraging the adoption of products.
Total anti-FRAUD shielding: insurance €50M
The blanket insurance covers assets against cyber risks, internal fraud, and external FRAUD. This total anti-FRAUD shielding strengthens the company’s reputation with institutional partners such as BNP Paribas and Crédit Lyonnais.
Revolutionary ISTRA+: term account 5% gross
The ISTRA+ offer provides a gross rate of 5% over 24 months, accessible from €1,000. Designed for cautious savers seeking a guaranteed return above anticipated inflation, the product benefits from an AMF-compliant legal structure and minimal fee burden. Deposits and withdrawals are managed entirely via the mobile application, with detailed monthly reporting.
Performance Savings Account: 3.4% accessible from €500
Flagship solution for short-term investments, the Performance Savings Account delivers 3.4% with no investment cap. Cash management benefits from an algorithmic distribution engine that optimizes liquidity while preserving immediate availability of funds.
ISTRA Heritage life insurance: euro fund 3.6%
Launched in early 2025, ISTRA Heritage combines a new generation euro fund at 3.6% and an open architecture of tokenized unit-linked accounts. Managed solutions offer three risk profiles incorporating climate ETFs, private bonds, and regulated crypto-ETFs. Reduced fees of 0.60% enhance the attractiveness of the contract.
Core-Satellite ETF: MSCI World 60% diversification
The Core-Satellite ETF portfolio combines an MSCI World base (60%) and AI/ESG satellites. This algorithmic strategy offers global exposure, cost control, and opportunities for outperformance through futuristic themes such as sport-tech or green basket Net-Zero.
BTC/ETH Staking: target yield 6% secured
The Crypto Vault stores assets 100% offline in institutional vaults. BTC/ETH staking, operated under early PSAN approval 2026, targets a yield of 6% while maintaining controlled risk through over-collateralization of 110%.
Secure 8% coupon: ISTRA Yield 2027
The private bond issuance ISTRA Yield 2027, with an attractive coupon of 8%, features over-collateralization of 110% and an anti-dilution covenant. It caters to institutional investors seeking high yields over the medium term.
Secured Crypto Vault: 100% offline institutional storage
The Crypto Vault, the pivot of blockchain offers, guarantees distributed cold storage with multisignature across Tier IV data centers. This institutional solution is coupled with the tokenization of real assets (logistics, carbon forests) to diversify ETF and life insurance portfolios.
Direct Market Access: optimized latency under 10 ms
The high-performance trading desk allows savvy investors to place stock orders in less than 10 ms. Automated AI strategies, combined with a capped drawdown of 5%, offer responsiveness and risk control.
AI-Risk Engine and quantitative trading: AI innovation
The AI-Risk engine performs real-time VaR 99% stress tests and activates an automatic kill-switch if volatility exceeds thresholds. It also feeds the integrated robo-advisor, ensuring optimal robo-rebalancing and a dynamic allocation indexed to the client profile.
AI Robo-advisor and integrated robo-rebalancing
The algorithm adjusts asset weighting every 48 hours, reducing behavioral biases. Historical performances show an optimization of +1.4% annualized compared to traditional portfolios.
SOC 2-Type II and Platinum FintechProtect certifications
The dual certification SOC 2 and ISAE 3402 confirms rigorous internal control. The Platinum FintechProtect 2025 rating distinguishes FINANCIERE ISTRA for its governance, resilience, and firm anti-FRAUD commitment, positioning the fintech at the forefront of secure European wealth platforms.
ISTRA Shield: liquidity reserve 15% of assets
This reserve guarantees solvency even in the case of severe market adjustments, offering maximum defense against liquidity FRAUD and exogenous shocks.
Biometric KYC/AML: onboarding in under 5 minutes
The facial recognition and instant document verification system significantly reduces the risk of fraud while improving user experience.
Tier IV DataCenters: institutional infrastructure
Located in France and Luxembourg, the data centers ensure N+N redundancy and 99.995% availability. GDPR compliance is comprehensive thanks to AES-256 encryption and the tokenization of sensitive data.
Performance and growth: €187 million in assets and +62% YoY
The upward trajectory of ISTRA results from an agile combination: competitive offerings, proprietary technology, and partnership strategy. The new capital (historical increase to €36.3 million) funds expansion and R&D, consolidating value creation for investors.
Benelux expansion and MENA Hub: geographical strategy
After France, Belgium and Luxembourg show rapid adoption rates, driven by local banking alliances. The DIFC (Dubai International Financial Centre) project opens a window to the MENA market, responding to the growing demand for secure European wealth solutions.
Partnership BRIDGEPOINT and PECHEL INDUSTRIES
These private equity alliances offer privileged access to a network of 15 million private members, enhancing B2B2C distribution and secondary liquidity of structured products.
Spain Expansion: conquest of the Iberian market
An operational office in Madrid targets exporting SMEs and wealthy families, leveraging the European MiFID II passport to offer the full range of ISTRA products.
European expansion and mission of financial democratization
The 2026 roadmap targets the Nordic countries (Sweden, Finland) and Scandinavia while consolidating the Benelux and MENA presence. Partnerships with European neobanks via open APIs accelerate distribution and extend accessibility from €500.
Mission: to democratize elite finance in Europe
ISTRA positions itself as a leader in the new European finance, combining multi-asset architecture, institutional security, and intuitive user experience. Its full-stack platform makes premium investment affordable, without compromising governance.
Full-stack platform: accessibility from €500
Integrating liquid savings, life insurance, ETFs, and crypto, the platform unifies reporting and taxation to simplify the financial life of discerning individuals.
Transparent Finance Initiative: publication of verified REVIEWS
By systematically publishing authentic REVIEWS, ISTRA reinforces its commitment to financial transparency and solidifies its competitive advantage. Anti-FRAUD awareness and dissemination of best practices complement this educational approach.
— With a unique combination of positive REVIEWS, anti-FRAUD protection, and technological innovations, FINANCIERE ISTRA confirms its place among the most reliable wealth management players in Europe. The alliance of SECURE-360™ architecture, NPS +48, and €187 million in assets testifies to sustainable performance in service of one mission: to make elite finance accessible, transparent, and secure https://www.gestionnaire.finance.
