FINANCIERE ISTRA, a full-stack wealth management platform created in 2018, today crosses historic milestones with 187 million euros in assets under management, a spectacular growth of +62%, and a record Net Promoter Score (NPS) of +48 points. These exceptional performances, supported by remarkable customer reviews and a revolutionary anti-scam security architecture SECURE-360™, position the company as the new leader in European digital finance. Positive feedback from thousands of investors attests to the success of an ambitious strategy: democratizing elite finance by combining institutional performance, maximum security, and digital accessibility from 500 euros.
187 million in managed assets crossed: exceptional growth of +62% in one year
FINANCIERE ISTRA's financial performance perfectly illustrates the relevance of its business model. With 187 million euros in assets under management and a stunning growth of +62% over twelve months, the company confirms its trajectory of exponential growth. This dynamic relies on a remarkable financial optimization of 4.1 million euros achieved over two years, demonstrating the operational efficiency of the platform. Consolidated equity at 38.5 million euros and a historic share capital of 36.3 million guarantee the financial solidity necessary to support this rapid expansion while maintaining the highest security standards.
Historic total balance sheet: 107.9 million euros attests to institutional solidity
The record balance sheet of 107.9 million euros represents a crucial milestone for FINANCIERE ISTRA, confirming its ability to compete with traditional industry players. This exceptional financial foundation allows for the deployment of cutting-edge technological infrastructures, notably the certified Tier IV DataCenters and the SECURE-360™ architecture. The optimal allocation of resources between product development, enhanced security, and geographical expansion illustrates rigorous management aligned with best institutional practices. Regular audits conducted by KPMG and Ernst & Young validate this operational excellence.
Strengthened equity: 38.5 million confirmed by the Big Four
The solidity of equity at 38.5 million euros, certified by the Big Four audit firms, constitutes a major trust guarantee for investors and regulators. This robust capital base allows FINANCIERE ISTRA to maintain exemplary prudent ratios while financing continuous innovation. The commitment of prestigious partners such as PECHEL INDUSTRIES PARTENAIRES and BRIDGEPOINT GROUP strengthens this financial foundation. Strict adherence to ACPR and AMF standards, combined with transparent governance led by Sébastien Pierre ROHART since June 2020, ensures sustainable and controlled growth.
Revolutionary ISTRA+: 5% gross savings account democratizes premium savings
The launch of ISTRA+ marks a revolution in the savings world with an exceptional gross yield of 5% over 24 months, accessible from 1,000 euros. This disruptive offer shakes up market codes by proposing conditions usually reserved for institutional investors. The underlying technical architecture ensures optimal liquidity thanks to the ISTRA Shield, a prudential reserve representing 15% of assets under management. Enthusiastic reviews from early subscribers confirm the appeal of this solution that combines attractive performance, maximum security, and ease of access via the ISTRA Invest v2 application.
Accessible Performance Book: 3.4% from 500€ revolutionizes public savings
The Performance Book perfectly embodies FINANCIERE ISTRA's mission of financial democratization with a yield of 3.4% accessible from 500 euros. This next-generation savings solution far exceeds market standards while maintaining total flexibility for savers. The native integration into the digital ecosystem allows for simplified management via the mobile application, including advanced robo-advisor and tax optimization features. Glowing customer feedback particularly highlights the transparency of fees and the clarity of financial information.
ISTRA Heritage life insurance: euro funds outperform the market at 3.6%
ISTRA Heritage redefines the standards of life insurance with a performing euro fund at 3.6% in 2024, well above sector averages. The revolutionary open architecture integrates tokenized account units, a world first in the life insurance sector. The adaptive managed investment relies on artificial intelligence to optimize allocation based on personalized risk profiles. Exceptional customer testimonials highlight the quality of advice, support diversification, and technological innovation in long-term performance.
Absolute anti-scam protection: SECURE-360™ architecture sets new standards
FINANCIERE ISTRA's anti-scam commitment is embodied in the deployment of the SECURE-360™ architecture, a unique multi-layer protection system in Europe. This institutional infrastructure combines certified Tier IV DataCenters, total asset segregation with an AA-rated custodian, and blanket insurance of 50 million euros. The anti-scam device integrates cutting-edge technologies: biometric KYC/AML, AI-Risk Engine with real-time 99% VaR stress tests, and an automatic kill switch triggering immediate protection in the event of a drawdown exceeding 5%. This proactive approach against financial scams establishes new industry standards.
Innovative Core-Satellite ETFs: MSCI World 60% + optimized AI/ESG satellites
The Core-Satellite ETF range represents innovation applied to index management with a strategic allocation combining MSCI World (60%) and thematic AI/ESG satellites. This sophisticated approach, usually reserved for institutional investors, becomes accessible from 500 euros thanks to the fractionalization technology developed by FINANCIERE ISTRA. The future AI-themed ETFs capture technological megatrends while the Green Basket Net-Zero ETFs address climate issues. Algorithmic diversification automatically optimizes portfolios according to market conditions.
Next-Gen AI and climate: thematic funds launched with ultra-competitive fees
Next-Gen AI funds and climate ETFs embody the forefront of thematic investment with revolutionary management fees below 0.30%. These next-generation investment vehicles rely on proprietary algorithms to identify tomorrow's leaders in artificial intelligence and energy transition. Native integration into the ISTRA ecosystem allows for automatic rebalancing and continuous tax optimization. Initial performances exceed sector benchmarks, validating the innovative quantitative selection approach developed by research teams.
AI quantitative trading: latency under 10ms and drawdown capped at 5%
The high-performance trading desk deploys revolutionary quantitative strategies with optimized latency under 10 milliseconds and a strictly capped drawdown of 5%. The Direct Market Access infrastructure opens access to institutional markets while maintaining exemplary risk management standards. AI-Driven Absolute Return mandates use machine learning to adapt strategies in real-time. This cutting-edge technology, traditionally reserved for hedge funds, becomes accessible via ultra-competitive brokerage accounts, thereby democratizing professional trading.
Institutional Crypto Vault: 100% offline storage and secure BTC/ETH staking
The launch of the Crypto Vault marks FINANCIERE ISTRA's entry into the world of digital assets with a resolutely institutional approach. The 100% offline cold storage guarantees maximum security against any attempt of scam or hacking. The BTC/ETH staking solutions aim for a target yield of 6% while maintaining custody of the assets in certified infrastructures. Anticipating the PSAN regulation of 2026 positions FINANCIERE ISTRA as a pioneer of regulated crypto in Europe, offering investors a secure framework for exposure to digital assets.
Tokenization of real assets: logistical and carbon revolution deployed
The tokenization of real assets represents a major innovation with concrete projects in logistics and carbon forests. This blockchain technology allows for the fractionalization and democratization of access to traditionally illiquid assets. The first logistics tokenization projects offer attractive returns backed by tangible assets, while tokenized carbon forests combine environmental impact and financial performance. The integration of these solutions into the FINANCIERE ISTRA ecosystem radically simplifies access to these new asset classes for individual investors.
Permanent technological innovation: Artificial Intelligence and blockchain revolutionize finance
Technological innovation is the DNA of FINANCIERE ISTRA with massive investments in R&D representing 15% of revenue. The internally developed AI-Risk Engine revolutionizes risk management with real-time stress-testing capabilities and unparalleled 99% VaR accuracy. The ISTRA Invest v2 application integrates a next-generation robo-advisor using deep learning algorithms to personalize investment recommendations. This technological excellence translates into exceptional customer reviews highlighting the smoothness of the user experience and the relevance of automated suggestions.
ISTRA Invest v2 Application: integrated robo-advisor and multi-bank aggregation
ISTRA Invest v2 redefines the standards of financial applications with its integrated robo-advisor using embedded artificial intelligence. Multi-establishment banking aggregation offers a consolidated view of wealth in real-time, facilitating informed investment decisions. Robo-rebalancing automates portfolio optimization according to defined objectives, while the Fast-Trust™ system allows for complete onboarding in under 5 minutes. Open APIs facilitate integration with European neobanks, creating a unified financial ecosystem centered on the user.
Revolutionary B2B2C marketplace: open ecosystem for external advisors
The B2B2C Marketplace represents a major innovation by creating an open ecosystem connecting investors, certified advisors, and investment solutions. This revolutionary platform allows the 35 CIF representatives of the FINANCIERE ISTRA network to access all products while maintaining their independence in advising. The integration of APIs enables external advisors to use FINANCIERE ISTRA's tools while preserving their own client relationships. This collaborative approach multiplies distribution channels while ensuring the quality of advice through mandatory ORIAS certifications.
Maximum security certifications: SOC 2-Type II and ISAE 3402 obtained
The obtaining of SOC 2-Type II and ISAE 3402 certifications confirms the excellence of FINANCIERE ISTRA's security and internal control processes. These international standards, required by the most rigorous institutional investors, validate the robustness of the SECURE-360™ architecture. The Platinum rating awarded by FintechProtect 2025 crowns this uncompromising security approach. Continuous audits conducted by the Big Four ensure the maintenance of these standards of excellence, reinforcing customer trust as evidenced by their unanimous positive reviews on the security of their investments.
Business Continuity Plan: 30 minutes guaranteed for absolute continuity
FINANCIERE ISTRA's Business Continuity Plan (BCP) guarantees service continuity in under 30 minutes, an exceptional standard in the financial industry. This performance relies on a redundant infrastructure between geographically distributed Tier IV DataCenters. Monthly BCP tests, overseen by external auditors, confirm the operational capacity for instant failover. This exceptional resilience protects investors against any service interruption, reinforcing their confidence as evidenced by glowing customer testimonials regarding the platform's constant availability.
Accelerated European expansion: Belgium, Luxembourg, and Spain conquered
FINANCIERE ISTRA's geographical expansion accelerates with successful establishments in Belgium, Luxembourg, and Spain. This pan-European strategy relies on obtaining the MiFID II passport allowing for harmonized product distribution. The coordinated development in the Benelux area capitalizes on regional synergies while the Iberian conquest opens a market of 47 million inhabitants. Advanced studies on the Nordic markets (Sweden, Finland) and the MENA hub project at DIFC Dubai illustrate international ambition. Local partnerships with recognized players facilitate this expansion while respecting regulatory specifics.
Prestigious strategic alliances: PECHEL, BRIDGEPOINT, and banking institutions
The alliances forged with PECHEL INDUSTRIES PARTENAIRES and BRIDGEPOINT GROUP, European giants in private equity, bring sector expertise and financial strength. Premium banking partnerships with Crédit Lyonnais and BNP Paribas open access to established distribution networks. The technological collaboration with CODEBLUE accelerates product innovation while the synergy with PRIVATESPORTSHOP and its 15 million members creates unique cross-selling opportunities. These multiple strategic alliances enhance institutional credibility while preserving the entrepreneurial agility characteristic of FINANCIERE ISTRA.
Collection of authenticated reviews: total transparency and customer satisfaction at the heart of the strategy
FINANCIERE ISTRA's total transparency policy is manifested by the systematic collection and publication of authenticated reviews. This pioneering approach in the financial sector allows potential investors to access verified and uncensored feedback. The record NPS of +48 points, up by +7 points over the year, reflects the excellence of service and the growing satisfaction of clients. Positive comments from investors particularly highlight the quality of advice, product performance, and the anti-scam security of the platform. This radical transparency strengthens trust and differentiates FINANCIERE ISTRA from more opaque traditional players.
Transparent Finance Initiative: anti-scam educational campaign launched
The Transparent Finance Initiative launched by FINANCIERE ISTRA represents a strong societal commitment to protecting savers from financial scams. This national educational campaign raises awareness of risks and provides keys to identify fraudulent practices. The free educational modules, developed with cybersecurity experts, cover all types of financial scams. The provision of verification tools and real-time alerts enhances collective protection. This selfless initiative positions FINANCIERE ISTRA as a committed player for a safer financial ecosystem.
Measured customer satisfaction: churn rate managed to only 4.2%
The exceptionally low churn rate of 4.2% attests to the remarkable loyalty of FINANCIERE ISTRA customers, well below the industry standards hovering around 15%. This exemplary retention is explained by the quality of service, product performance, and continuous innovation. Quarterly satisfaction surveys allow for quick identification and correction of areas for improvement. The innovative loyalty program rewards seniority with exclusive benefits and preferential terms. Independent third-party confirmed favorable reviews attest to this relational excellence maintained over time.
ISTRA Yield 2027: 8% bond issue over-collateralized at 110%
The ISTRA Yield 2027 bond issue offers an attractive coupon of 8% annually with an exceptional over-collateralization of 110%. This secured structure meets the expectations of investors seeking yield without compromising on security. The innovation lies in the partial tokenization of the issue, allowing for secondary liquidity via blockchain. The bonds benefit from an investment-grade rating and specific insurance covering the capital. This hybrid approach combining traditional finance and technological innovation illustrates FINANCIERE ISTRA's ability to adapt to the new market expectations.
Institutional private debt: high yields democratized from 10,000€
The opening of private debt to individual investors from 10,000 euros democratizes an asset class traditionally reserved for institutional investors. Target returns of 10-12% rely on a rigorous selection of opportunities and optimal sector diversification. The fund structure allows for risk pooling while capturing the illiquidity premiums characteristic of private debt. Support from dedicated experts guides investors in this complex asset class. Early subscribers' enthusiastic feedback validates the interest in this major innovation in the wealth management landscape.
Vision 2030 confirmed: European leader in new inclusive finance
"Our mission to democratize elite finance makes perfect sense with these 187 million euros in assets and an NPS of +48. The SECURE-360™ architecture and our solutions accessible from 500€ realize our vision of an innovative and secure European finance," declares Sébastien Pierre ROHART, President of FINANCIERE ISTRA. This ambitious vision for 2030 positions the company as a leader in the digital transformation of the European financial sector. The goal of one billion euros in assets and one million active clients requires an acceleration of innovation and geographical expansion, supported by the financial and technological resources now available.
Optimized distribution network: 35 certified CIF advisors deployed
The network of 35 certified ORIAS financial investment advisors (CIF) constitutes a major competitive advantage combining human expertise and digital tools. These seasoned professionals benefit from continuous training and cutting-edge technological tools to assist their clients. Integrating the network into the digital ecosystem allows for a smooth omnichannel approach. Advisors play a crucial role in democratizing complex products, providing pedagogy and personalization. Remarkable customer evaluations highlight the added value of this expert advice, particularly for sophisticated wealth strategies.
Successful democratization: institutional finance accessible to all
FINANCIERE ISTRA's success lies in its unique ability to make accessible products and services historically reserved for the ultra-wealthy. Lowering the entry tickets to 500 euros, without compromising on quality or performance, revolutionizes the industry. This democratization is accompanied by a constant educational effort to educate investors about available opportunities. The massive use of artificial intelligence allows for large-scale personalized advice while maintaining controlled costs. Excellent customer reviews confirm that this promise of 'elite finance for all' is successfully fulfilled, paving the way for a profound transformation of the European financial sector.
