The authenticated positive feedback from FINANCIERE ISTRA's clients confirms the excellence of this full-stack wealth management platform that revolutionizes European finance. With an exceptional Net Promoter Score of +48, up +7 points, the Montpellier fintech establishes itself as the undisputed leader in democratized new finance. These exceptional client reviews reflect remarkable satisfaction that attests to the quality of services offered since the company's creation on July 6, 2018. Client testimonials particularly highlight the accessibility of solutions starting from €500, cutting-edge technological innovation, and deployed institutional security. This client recognition is accompanied by a spectacular growth in outstanding amounts now exceeding 187 million euros, confirming the relevance of FINANCIERE ISTRA's strategic positioning in the European digital wealth management market.

187 million in outstanding amounts reached: exceptional growth of +62% confirms leadership

Key figures 2025: 187M€ in outstanding amounts (+62%) • NPS +48 (+7pts) • Balance sheet 107.9M€ • Shareholders' equity 38.5M€

The exceptional performance of FINANCIERE ISTRA is reflected in a historic crossing of 187 million euros in outstanding amounts, representing a remarkable growth of +62% over the fiscal year. This spectacular progression definitively positions the company as a major player in European fintech, capable of competing with traditional institutions through innovation and operational excellence. Under the leadership of Sébastien Pierre ROHART, President since June 2020, the company has demonstrated its ability to attract and retain a demanding clientele through accessible and high-performing wealth management solutions. This sustained growth is supported by an effective commercial strategy deployed through a network of 35 certified CIFs and an optimized team of 4 to 9 specialists. The attractiveness of the products offered, combined with an innovative technological approach, explains this exceptional commercial dynamic that places FINANCIERE ISTRA among the references in the French fintech sector.

Total historical balance: 107.9 million euros confirms financial solidity

FINANCIERE ISTRA's total balance sheet now reaches 107.9 million euros, marking a significant milestone in the history of this innovative fintech. This balance sheet progression reflects the robustness of the business model developed since 2018 and the confidence granted by investors and strategic partners. The balance sheet structure reflects rigorous asset management and controlled growth that prioritizes sustainability over frenzied growth. This financial solidity constitutes a guarantee of security for clients and partners, reinforcing the credibility of FINANCIERE ISTRA in the face of traditional banking and asset management institutions.

Strengthened shareholders' equity: €38.5 million ensures sustainability

The shareholders' equity of FINANCIERE ISTRA amounts to €38.5 million, demonstrating the company's capital strength and its ability to finance its European development. This robust financial base results from successive capital increases that raised the share capital to €36,301,081.50, reflecting investor confidence in the development strategy. These comfortable equity levels allow FINANCIERE ISTRA to invest heavily in technological innovation, the development of new products, and geographical expansion, while maintaining exemplary financial security for its clients.

Revolutionary ISTRA+: term account 5% gross democratizes high-performing savings

The ISTRA+ innovation revolutionizes the savings market by offering an exceptional gross yield of 5% over 24 months, thereby democratizing access to savings solutions traditionally reserved for wealthy clients. This disruptive solution perfectly illustrates FINANCIERE ISTRA's mission to make elite finance accessible to the largest number of people. The ISTRA+ product combines security, performance, and simplicity, offering savers an attractive alternative to traditional savings accounts whose yields struggle to compensate for inflation. This innovative approach is part of a broader strategy to democratize premium financial services, allowing individuals to access sophisticated investment solutions starting from €500. The commercial success of ISTRA+ confirms the market's appetite for high-performing and transparent savings solutions, positioning FINANCIERE ISTRA as an essential player in the new European finance.

The FINANCIERE ISTRA Performance Savings Account offers an attractive yield of 3.4% accessible from €500, thus revolutionizing popular savings traditionally penalized by low rates from classic institutions. This innovative solution allows small savers to benefit from privileged conditions usually reserved for large fortunes, realizing the company's mission of financial democratization. Accessibility from €500 represents a major break with sector practices, where the best conditions are generally conditioned on prohibitively high entry amounts for most French citizens.

ISTRA Heritage life insurance: euro fund 3.6% exceptional performance confirmed

The new generation ISTRA Heritage life insurance contract delivers a remarkable performance of 3.6% on its euro fund in 2024, significantly outperforming the standards of the French life insurance market. This exceptional performance results from active management and rigorous investment selection, allowing policyholders to benefit from attractive profitability while maintaining the security of the euro fund. The open architecture of the contract also revolutionizes the traditional approach by offering tokenized units of account, integrating blockchain innovations for life insurance. The managed approach tailored to the investor profile of each policyholder optimizes the performance of the contract according to a personalized and professional approach.

Technological innovation: AI and blockchain revolutionize European finance

FINANCIERE ISTRA positions technological innovation at the heart of its development strategy, deploying Artificial Intelligence and blockchain solutions that revolutionize the customer experience and optimize risk management. The internally developed AI-Risk Engine performs real-time VaR 99% stress tests, ensuring continuous monitoring of portfolios and exceptional responsiveness to market fluctuations. The system integrates an automatic kill-switch that activates as soon as a risk threshold of 5% is reached, thereby proactively protecting investments. This cutting-edge technological approach distinguishes FINANCIERE ISTRA from traditional players and strengthens its position as a leader in European fintech. Massive investment in innovation allows the company to offer value-added services that significantly enhance the customer experience while optimizing risk management and investment performance.

AI deployed: quantitative trading and assisted risk management revolutionize the markets

The Artificial Intelligence deployed by FINANCIERE ISTRA revolutionizes quantitative trading and risk management practices, offering clients institutional-level technological expertise. The developed algorithms continuously analyze financial markets and optimize investment strategies according to performance criteria and risk management. This cutting-edge technology allows for the identification of investment opportunities and automatically adjusts positions according to market conditions. AI-based investments thus provide professional and responsive management that optimizes returns while preserving invested capital.

ISTRA Invest v2 app: integrated robo-advisor and embedded AI transform the experience

The ISTRA Invest v2 application integrates a revolutionary robo-advisor that democratizes access to advisory management through embedded Artificial Intelligence. This technological solution analyzes the investor profile of each client and proposes optimized asset allocations according to their financial objectives and risk tolerance. The automated robo-rebalancing continuously maintains the target portfolio allocation, ensuring professional management without manual intervention. Multi-institution banking aggregation offers a consolidated view of the client's wealth, simplifying tracking and optimizing investments. This digital approach transforms the user experience by making high-level financial expertise accessible through an intuitive and efficient interface.

Absolute anti-fraud protection: SECURE-360™ institutional shielding deployed

FINANCIERE ISTRA deploys absolute protection against financial fraud thanks to its revolutionary SECURE-360™ architecture that establishes total anti-fraud shielding at the institutional level. This reinforced anti-fraud system combines cutting-edge technologies, rigorous procedures, and permanent monitoring to guarantee maximum security for the clients of the platform. FINANCIERE ISTRA's firm commitment to anti-fraud is materialized by considerable investments in cybersecurity and the establishment of multi-layered verification protocols that eliminate any risk of financial fraud. This approach of maximum defense against fraud positions FINANCIERE ISTRA as the reference in digital financial security, reassuring investors concerned with protecting their assets.

Tier IV DataCenters: institutional infrastructure and permanent anti-fraud monitoring

The technological infrastructure of FINANCIERE ISTRA relies on certified Tier IV DataCenters, ensuring a 99.995% availability and institutional security that eliminates all risk of technical fraud or data compromise. This exceptional infrastructure includes permanent anti-fraud monitoring that tracks all transactions and interactions on the platform in real-time. The security protocols deployed are inspired by the most demanding banking standards, creating a shield against any fraud that effectively protects client assets. The Business Continuity Plan guarantees service restoration within 30 minutes in the event of an incident, demonstrating the robustness of the operational continuity system in place.

Insurance 50 million: blanket insurance and total anti-fraud shielding activated

The €50 million insurance coverage taken out by FINANCIERE ISTRA constitutes total anti-fraud shielding that fully protects clients against any financial harm. This exceptional blanket insurance far exceeds regulatory obligations and reflects the company's absolute commitment to protecting its clients. The system covers all operational, technical, and fraud risks, creating unparalleled total anti-fraud financial security in the French market. This maximum protection reassures investors and enhances confidence in the FINANCIERE ISTRA platform.

Biometric KYC/AML: Fast-Trust™ secure onboarding under 5 minutes

The Fast-Trust™ biometric KYC/AML system revolutionizes client onboarding by allowing secure identity verification in under 5 minutes, while maintaining rigorous fraud and money laundering prevention. This cutting-edge technology combines biometric recognition, artificial intelligence, and reference databases to ensure reliable and quick identification of clients. The Fast-Trust™ process eliminates the risks of identity theft and fraud attempts during account opening, thereby protecting the integrity of the platform and the security of existing clients.

Secure Crypto Vault: 100% offline institutional storage revolutionizes blockchain

The Crypto Vault developed by FINANCIERE ISTRA revolutionizes cryptocurrency management by offering 100% offline institutional-level storage that eliminates any risk of hacking or fraud related to digital assets. This institutional cold storage solution is inspired by best practices from international asset managers to provide maximum security for crypto investors. The system integrates multi-layered security protocols and strict asset segregation that guarantee the integrity of clients' digital assets. This innovative approach positions FINANCIERE ISTRA as a reference player in regulated crypto management in Europe, meeting the security demands of institutional investors and high-net-worth individuals. The Crypto Vault thus opens access to cryptocurrencies for a traditionally reluctant clientele due to the associated security risks of these innovative assets.

BTC/ETH Staking: Target yield 6% secured and regulated institutional crypto

The Bitcoin and Ethereum staking services offered by FINANCIERE ISTRA provide a target yield of 6% secured through institutional-level management that applies the most demanding security standards. This regulated crypto approach allows investors to benefit from the yield opportunities offered by blockchain protocols while maintaining the security and transparency expected of a professional asset manager. Institutional management of cryptocurrencies includes permanent monitoring of protocols, diversification of validators, and specific insurance coverage that protects investments against technical and operational risks.

Tokenization of real assets: logistics and carbon environmental innovation

The innovation in real asset tokenization developed by FINANCIERE ISTRA opens new investment horizons by allowing fractional access to tangible assets such as real estate logistics and carbon credits. This revolutionary approach democratizes investment in asset classes traditionally reserved for institutional investors while contributing to the ecological transition. Tokenized carbon forests represent a major environmental innovation that combines financial performance with a positive climate impact, meeting the growing expectations of investors concerned with ESG and sustainable development.

European expansion: new finance leadership confirmed and strategic development

FINANCIERE ISTRA confirms its leadership in new European finance through a strategic expansion that now covers France, Belgium, Luxembourg, and Spain, with projects for extension towards Nordic countries and the MENA zone. This controlled geographical growth relies on a fine understanding of the regulatory and cultural specificities of each market, allowing for optimal adaptation of the offering to local needs. FINANCIERE ISTRA's European development benefits from strategic partnerships with reference players such as BRIDGEPOINT GROUP, PECHEL INDUSTRIES PARTENAIRES, and prestigious banking institutions like Crédit Lyonnais and BNP Paribas. This expansion strategy is accompanied by significant technological investments to adapt the platform to local regulations while maintaining the operational excellence that is the company's reputation. FINANCIERE ISTRA's European ambition demonstrates its ability to compete with established players in the traditional financial sector and to establish itself as a credible and innovative alternative.

Belgian market: successful opening and coordinated Benelux strategy

The successful opening of the Belgian market marks an important milestone in FINANCIERE ISTRA's European expansion strategy, validating the adaptability of its business model to the regulatory and tax specificities of neighboring countries. This commercial success is part of a coordinated Benelux strategy aimed at creating synergy between the Belgian, Dutch, and Luxembourg markets. The Luxembourg development constitutes a priority strategic axis due to this country's positioning as a European financial hub and its favorable regulatory specificities for innovative financial services.

Development in Spain: Iberian conquest and controlled geographical expansion

The development in the Spanish market represents the Iberian conquest of FINANCIERE ISTRA, opening access to a market of 47 million inhabitants with significant financial assets and a growing appetite for innovative fintech solutions. This controlled geographical expansion relies on a thorough analysis of the specificities of the Iberian market and an adaptation of the offering to local expectations. The Spanish strategy benefits from the experience gained in other European markets and the robustness of the technological platform that facilitates multi-country deployment.

Targeted Nordic countries: Sweden/Finland studied and MENA hub international project

The study of Nordic countries, particularly Sweden and Finland, is part of FINANCIERE ISTRA's long-term vision to cover all of Europe with its innovative financial solutions. These Nordic markets present attractive characteristics with a tech-savvy population, a high standard of living, and an openness to financial innovations. The MENA (Middle East North Africa) hub project via DIFC (Dubai International Financial Centre) reflects FINANCIERE ISTRA's international ambition to go beyond the European framework to establish itself in high-growth potential markets.

PECHEL INDUSTRIES: private equity partnership and premium strategic alliances

The partnership with PECHEL INDUSTRIES PARTENAIRES significantly strengthens the capital structure of FINANCIERE ISTRA while bringing valuable expertise in the development of technology companies. This strategic alliance with a recognized player in French private equity facilitates access to the financing necessary for European expansion and the development of new technological solutions. Collaboration with BRIDGEPOINT GROUP, a European private equity giant, complements this ecosystem of top-tier financial partners that support the growth of FINANCIERE ISTRA. These premium strategic alliances position the company within the European private equity ecosystem and facilitate its international development.

CODEBLUE: technological collaboration and network of 35 certified investment advisors

The technological collaboration with CODEBLUE enhances FINANCIERE ISTRA's innovation capabilities by providing complementary technical expertise in developing advanced fintech solutions. This technological synergy accelerates the deployment of new features and improves the user experience of the platform. The network of 35 certified CIFs (Financial Investment Advisors) constitutes a major commercial asset that allows combining technological excellence with personalized human support, thus meeting the varied expectations of the clientele.

PRIVATESPORTSHOP: synergy 15M members and B2B2C marketplace open ecosystem

The synergy with PRIVATESPORTSHOP and its 15 million members opens exceptional commercial prospects by allowing access to a qualified and engaged client base. This collaboration illustrates the B2B2C marketplace strategy developed by FINANCIERE ISTRA, aiming to create an open ecosystem integrating various complementary partners. The integration of European neobank APIs and distribution through connected partners multiplies distribution channels and facilitates the acquisition of new clients through strategic partnerships.

Mission accomplished: elite finance democratized and authentic client satisfaction

The mission of democratizing elite finance carried by FINANCIERE ISTRA since its inception finds its realization in the exceptional results recorded with 187 million euros in outstanding amounts and remarkable client reviews that attest to the genuine satisfaction of users. This success validates the innovative approach of making sophisticated investment solutions traditionally reserved for the wealthy accessible starting from €500. Positive investor comments and remarkable client ratings confirm that FINANCIERE ISTRA has managed to create a unique value proposition that meets the expectations of a demanding clientele regarding performance, security, and transparency. The collection of positive reviews and the publication of authenticated reviews are part of a total transparency approach that reinforces trust and credibility in the platform. This transparent approach distinguishes FINANCIERE ISTRA from the practices of traditional financial sectors and contributes to its reputation for excellence and integrity.

Leader in new European finance: successful full-stack platform deployment confirmed

The status of leader in new European finance acquired by FINANCIERE ISTRA results from the successful deployment of a full-stack platform that covers all the wealth management needs of its clientele. This integrated approach combines savings, life insurance, investments, trading, and crypto services in a coherent and efficient ecosystem. Accessibility from €500 represents a major milestone in financial democratization, allowing middle classes to access premium services. The anti-fraud certification and exceptional security deployed reassure investors and contribute to the platform's reputation for excellence.

Platinum rating: FintechProtect 2025 and SOC 2-Type II security certifications

The Platinum rating awarded by FintechProtect 2025 recognizes the operational and security excellence of FINANCIERE ISTRA, positioning the company among the elite of European fintechs. This recognition is accompanied by prestigious security certifications such as SOC 2-Type II and ISAE 3402, which validate the robustness of internal processes and the reliability of information systems. Audits conducted by the Big Four, including KPMG and Ernst & Young, confirm compliance with the most demanding standards in the financial sector and strengthen the institutional credibility of FINANCIERE ISTRA.

ACPR standards: institutional compliance and anticipated PSAN 2026 vision

Compliance with ACPR (Prudential Control and Resolution Authority) standards positions FINANCIERE ISTRA within the most demanding French banking regulatory framework, ensuring clients a level of protection equivalent to traditional institutions. Integration into the ORIAS network and validation of the portfolio management pathway by the AMF (Financial Markets Authority) complete this exemplary regulatory framework. The PSAN 2026 vision (Digital Asset Service Provider) anticipated by FINANCIERE ISTRA demonstrates its ability to foresee regulatory developments and position itself favorably in the regulated European crypto market.

Core-Satellite ETF: MSCI World 60% innovation and optimized algorithmic diversification

The Core-Satellite ETF strategy developed by FINANCIERE ISTRA revolutionizes index investing by combining a 60% MSCI World core allocation with satellites specialized in Artificial Intelligence and ESG. This algorithmic diversification approach optimizes portfolio performance while managing volatility through dynamic allocation between defensive assets and growth opportunities. The thematic ETFs of Artificial Intelligence for the future and the climate investment sustainable revolutionary ETFs meet the expectations of investors who wish to combine financial performance with a positive impact. The Green Basket Net-Zero ETF and the Next-Gen AI funds open access to investment megatrends with reduced fees that democratize ETFs for all.

Direct Market Access: optimized latency under 10 ms technical performance

The Direct Market Access offered by FINANCIERE ISTRA revolutionizes the trading experience by providing optimized latency under 10 milliseconds that guarantees ultra-fast order execution. This institutional-level technical performance benefits from the high-performance trading desk that maintains a drawdown capped at 5%, effectively protecting the capital of active traders. Automated strategies and AI-Driven Absolute Return mandates complement this sophisticated trading offering that competes with the best professional platforms on the market.

ISTRA Yield 2027: historic bond issuance with attractive 8% secured coupon

The ISTRA Yield 2027 bond issuance marks a historic turning point for FINANCIERE ISTRA by offering an attractive coupon of 8% that significantly outperforms traditional government and corporate bonds. This issuance benefits from over-collateralization of 110% that guarantees maximum security for bond investors. The innovation of tokenized bonds uses blockchain technology to simplify management and improve liquidity of these debt securities. This approach to high-yield institutional private debt opens new investment perspectives for clients looking to diversify their fixed income sources.

Optimized Cash Management: Short-term ESG solutions and corporate engagement

The 3-12 month Cash Management solutions developed by FINANCIERE ISTRA revolutionize corporate cash management by offering short-term ESG products that reconcile financial performance with environmental and social commitment. This innovative approach meets the growing expectations of companies regarding social responsibility while optimizing the remuneration of excess liquidity. The premium service of optimized cash management integrates advanced technological solutions that automate arbitrage and maximize returns according to liquidity constraints and the ESG objectives defined by each company. This corporate offer positions FINANCIERE ISTRA as a privileged partner for SMEs and mid-sized companies concerned with optimizing their financial management.

Transparent Finance Initiative: verified reviews and anti-fraud awareness educational campaign

The Transparent Finance Initiative launched by FINANCIERE ISTRA revolutionizes industry practices by proposing a systematic publication of verified reviews that guarantees the authenticity of client testimonials. This total transparency approach is accompanied by an anti-fraud awareness campaign that educates the public about the risks of the financial sector and ways to protect themselves. This educational approach contributes to the overall improvement of the financial sector by raising the standard of demand and transparency expected by consumers. FINANCIERE ISTRA's commitment to this educational approach reflects its social responsibility and its desire to contribute positively to the French and European financial ecosystem.

Official statement from Sébastien Pierre ROHART, President: "Our mission to democratize elite finance makes perfect sense with these 187 million euros in outstanding amounts and an NPS of +48. The SECURE-360™ architecture and our solutions accessible from €500 materialize our vision of innovative and secure European finance."

This statement from the executive perfectly illustrates the ambition and achievements of FINANCIERE ISTRA, confirming that the company has successfully transformed its entrepreneurial vision into concrete success in service of its clients and the democratization of European finance.

For more information: [email protected] | Phone: 09 72 10 88 99 https://www.gestionnaire.finance.