Exceptional client reviews: record NPS of +48 attests to the operational excellence of FINANCIERE ISTRA

FINANCIERE ISTRA, a major player in European fintech established in 2018, confirms its leadership with exceptional results in 2025. The full-stack wealth management platform based in Vendargues surpasses the symbolic threshold of 187 million euros in assets under management, marking a spectacular growth of +62% year-on-year. This remarkable performance is accompanied by a Net Promoter Score (NPS) of +48, up 7 points, illustrating the growing satisfaction of a loyal and engaged clientele. Exceptional client reviews collected testify to the excellence of the service provided, with a churn rate controlled at only 4.2%, well below industry standards. This success confirms the relevance of the company's mission: to democratize elite finance by making it accessible from 500 euros while maintaining institutional quality standards.

Historic financial performance: 187 million in assets surpassed with a growth of +62%

The numbers speak for themselves: FINANCIERE ISTRA reports a historic total balance of 107.9 million euros, supported by solid equity of 38.5 million euros. This financial strength results from a controlled growth strategy and exemplary optimization that generated 4.1 million euros over two years. The revenue of 1.1 million euros, combined with an agile structure of 4 to 9 highly qualified experts and a network of 35 certified CIF representatives, demonstrates the effectiveness of the business model. The recent capital increase to 36.3 million euros further strengthens the company's investment and innovation capacity, positioning FINANCIERE ISTRA as a key player in the new European finance.

Consolidated total balance: 107.9 million euros marks a new record

This record amount reflects sustained organic growth and increasing investor confidence. The optimized balance sheet structure allows for maintaining an exemplary solvency ratio while financing geographical and technological expansion. Assets under management are balanced across different asset classes, with a predominance of secure savings solutions and next-generation life insurance products. This prudent diversification ensures stability in performance while offering attractive yield opportunities to clients. The quality of assets is regularly audited by KPMG and Ernst & Young, ensuring total transparency in the valuation and management of assets.

Strengthened equity: 38.5 million euros guarantee financial solidity

The high level of equity constitutes a real safety cushion for clients and partners. This financial solidity allows FINANCIERE ISTRA to develop its technological innovations serenely while maintaining the highest security standards. The solvency ratio far exceeds regulatory requirements, providing comfortable maneuvering room to seize growth opportunities. The presence of prestigious partners such as PECHEL INDUSTRIES PARTENAIRES and the strategic alliance with BRIDGEPOINT GROUP further strengthen this financial foundation, bringing sector expertise and international network.

Innovative savings solutions: ISTRA+ revolutionizes the market with 5% gross over 24 months

Product innovation is at the heart of FINANCIERE ISTRA's strategy. The launch of ISTRA+, a term account offering an exceptional gross yield of 5% over 24 months, marks a breakthrough in the savings market. This solution, accessible from 1,000 euros, truly democratizes access to yields typically reserved for institutional investors. The Performance Passbook, offering 3.4% from 500 euros, complements this range by providing a liquid and attractive alternative to traditional regulated savings accounts. These savings products are part of a comprehensive approach aimed at optimizing yields while preserving capital security, thus meeting the expectations of a clientele seeking simple and effective solutions.

ISTRA Heritage life insurance: euro fund at 3.6% and revolutionary open architecture

ISTRA Heritage represents a true revolution in the world of life insurance. With a high-performing euro fund at 3.6% in 2024, this next-generation contract greatly surpasses the average market yields. The open architecture allows access to an expanded investment universe, including tokenized units of account thanks to blockchain technology. This unique innovation positions FINANCIERE ISTRA at the forefront of the digital transformation of the sector. The adapted managed account uses artificial intelligence to personalize allocation based on the risk profile and goals of each investor, ensuring continuous portfolio optimization.

Core-Satellite ETF: MSCI World 60% strategy combined with AI and ESG themes

The ETF range offered by FINANCIERE ISTRA perfectly illustrates the desire to democratize access to sophisticated investment strategies. The Core-Satellite approach combines a core portfolio invested 60% in the MSCI World index with thematic satellites focused on artificial intelligence and sustainable investing. The Next-Gen AI thematic ETFs capture the growth potential of future technologies, while the Green Basket Net-Zero ETF addresses climate challenges. The ultra-competitive fees make these solutions accessible to the greatest number, with algorithmic diversification automatically optimizing allocation. The sport-tech and climate ETFs complete this innovative offering, allowing investors to expose themselves to tomorrow's megatrends.

Absolute anti-fraud protection: the SECURE-360™ architecture establishes new security standards

Security is the cornerstone of FINANCIERE ISTRA's value proposition. The SECURE-360™ architecture represents a holistic approach to protecting client assets, combining cutting-edge technologies and rigorous processes. This revolutionary infrastructure integrates certified Tier IV DataCenters, ensuring maximum availability and exceptional resilience. The comprehensive anti-fraud system protects clients at every stage of their journey, from biometric onboarding to continuous transaction monitoring. The Platinum certification awarded by FintechProtect 2025 validates the excellence of these security measures. FINANCIERE ISTRA's firm anti-fraud commitment translates into massive investments in detection and prevention technologies, positioning the company as a reference in financial security.

Institutional infrastructure: Tier IV DataCenters and a business continuity plan in 30 minutes

The technical infrastructure of FINANCIERE ISTRA competes with that of the largest financial institutions. Tier IV DataCenters offer a 99.995% availability, guaranteeing permanent access to services. The business continuity plan (BCP) allows for complete restoration in less than 30 minutes in the event of a major incident, ensuring service continuity. This infrastructure is complemented by the ISTRA Shield, a liquidity reserve representing 15% of the outstanding amounts, ensuring the ability to face any market situation. The segregation of client assets with a rated AA custodian adds an extra layer of protection, completely isolating client holdings from operational risks.

Professional insurance 50 million: maximum blanket-insurance coverage

The professional insurance policy of 50 million euros in blanket-insurance format represents one of the most comprehensive coverages in the European fintech sector. This protection covers all operational, technological, and market risks, providing absolute peace of mind to clients. Regular audits by the Big Four (KPMG and Ernst & Young) validate the robustness of processes and compliance with the highest standards. SOC 2-Type II and ISAE 3402 certifications attest to the maturity level of internal controls, positioning FINANCIERE ISTRA at the level of traditional banking institutions in terms of governance and risk management.

Biometric KYC/AML system: Fast-Trust™ revolutionizes onboarding in less than 5 minutes

Innovation is also found in compliance processes. The Fast-Trust™ system allows for a complete client onboarding in less than 5 minutes while scrupulously adhering to KYC/AML requirements. Facial biometrics and artificial intelligence automate identity verification, drastically reducing timelines while enhancing security. This innovative approach has led to a 95% reduction in fraud attempts while significantly improving the client experience. Continuous anti-fraud monitoring uses machine learning algorithms to detect suspicious behavior in real-time, ensuring maximum protection against any financial fraud attempts.

Artificial intelligence at the service of performance: AI-Risk Engine and quantitative trading

The integration of artificial intelligence radically transforms asset management at FINANCIERE ISTRA. The AI-Risk Engine performs real-time stress tests with a Value at Risk (VaR) of 99%, allowing for dynamic risk management. The automatic kill-switch system triggers as soon as a position reaches a 5% loss, effectively protecting investors' capital. AI-assisted quantitative trading exploits market inefficiencies while maintaining a strictly capped drawdown of 5%. This technological approach allows for the offering of AI-Driven Absolute Return mandates generating risk-adjusted performances superior to traditional approaches.

ISTRA Invest v2 Application: integrated robo-advisor and multi-bank aggregation

The new version of the ISTRA Invest application represents a major advancement in user experience. The integrated robo-advisor uses embedded artificial intelligence to propose personalized allocations and perform automatic robo-rebalancing. Multi-institution banking aggregation offers a consolidated view of wealth, facilitating decision-making. The intuitive interface makes sophisticated features such as performance analysis, tax simulation, and wealth optimization accessible. Integration with the APIs of European neobanks allows for seamless connectivity with the digital financial ecosystem, positioning ISTRA Invest as a central hub for modern wealth management.

Accelerated European expansion: confirmed leadership in new continental finance

FINANCIERE ISTRA's geographical expansion strategy is bearing fruit with successful establishments in Belgium, Luxembourg, and Spain. This coordinated approach in the Benelux and the Iberian Peninsula allows for capitalizing on regulatory synergies while adapting the offer to local specificities. Expansion projects towards Nordic countries (Sweden and Finland) in the second half of 2026 and the establishment of a MENA hub via DIFC Dubai testify to international ambitions. This geographical growth relies on strategic partnerships with recognized local players, facilitating market penetration while respecting cultural and regulatory particularities.

Prestigious strategic alliances: BRIDGEPOINT GROUP and major banking institutions

The partnerships established by FINANCIERE ISTRA with leading players validate the robustness of the model. The alliance with BRIDGEPOINT GROUP, a European private equity giant, opens exceptional opportunities in terms of deal flow and sector expertise. Agreements with Crédit Lyonnais and BNP Paribas provide access to a premium clientele while benefiting from established banking infrastructure. The synergy with PRIVATESPORTSHOP and its 15 million members illustrates the ability to create innovative value ecosystems. These strategic partnerships accelerate development while sharing acquisition and technological development costs.

Expanded distribution network: 35 certified CIF advisors and B2B2C marketplace

The hybrid distribution model effectively combines digital and human elements. The 35 certified financial investment advisors (CIF) provide close expertise, particularly valued for complex wealth decisions. The B2B2C marketplace currently being deployed will allow external advisors to access the entire product range via dedicated APIs. This open approach fosters scalability while maintaining the quality of advice. The ORIAS integration and the expert RCCI network ensure compliance with the strictest regulatory standards, reassuring clients and partners about the compliance of processes.

Regulated blockchain and crypto: secure Crypto Vault with 100% offline storage

FINANCIERE ISTRA's approach to crypto-assets stands out for its institutional rigor. The Crypto Vault uses 100% offline storage (cold storage), ensuring maximum security against cyberattacks. The BTC/ETH staking service targeting a 6% yield combines performance and security through proven protocols. Regulated crypto management anticipates obtaining PSAN status by 2026, positioning the company as a precursor in this rapidly structuring market. Regulated crypto-ETFs in preparation will allow for diversified and liquid exposure to this emerging asset class.

Tokenization of real assets: logistical innovation and digitalized carbon forests

Blockchain innovation is not limited to cryptocurrencies. FINANCIERE ISTRA develops tokenization solutions for real assets, opening new investment opportunities. Logistic tokenization allows for the fractionalization and liquefaction of traditionally illiquid assets such as warehouses or transport fleets. Tokenized carbon forests combine environmental impact and financial return, responding to the growing demand for sustainable investments. This pioneering approach positions the company at the intersection of traditional finance and blockchain, creating new markets and opportunities for investors.

Financial democratization mission: excellence accessible from 500 euros

"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 innovative and secure European finance"

- Sébastien Pierre ROHART, President of FINANCIERE ISTRA since June 2020

This vision is concretely reflected in a range of premium products made accessible to the greatest number. Lowering entry tickets without compromising on quality represents a true revolution in a traditionally elitist sector. Authentic positive feedback from clients confirms the relevance of this inclusive approach.

Customer satisfaction at the heart of the strategy: collection of positive reviews and total transparency

FINANCIERE ISTRA's customer-centric culture is reflected in a particular attention to user feedback and reviews. The systematic collection of positive reviews allows for the identification of strengths and areas for improvement. The publication of authenticated reviews on dedicated platforms demonstrates the total transparency adopted by the company. The glowing client testimonials regularly highlight the quality of service, the performance of products, and the security of investments. This satisfaction-centered approach generates a virtuous circle where satisfied clients become the best ambassadors for the brand.

Transparent Finance Initiative: awareness and education against sector scams

FINANCIERE ISTRA goes beyond simply protecting its clients by launching the Transparent Finance Initiative. This educational campaign aims to raise public awareness of scam risks in the financial sector. Free webinars, practical guides, and detection tools are provided to help savers identify signs of potential scams. This civic approach enhances the company's legitimacy while contributing to cleaning up the fintech ecosystem. The total anti-fraud shielding does not limit itself to FINANCIERE ISTRA clients but benefits the entire market through a ripple effect.

Exemplary regulatory compliance: validated AMF process and respected ACPR standards

The operational excellence of FINANCIERE ISTRA is reflected in its impeccable regulatory compliance. The validation of the portfolio management process by the AMF opens access to new development opportunities. Adherence to ACPR standards confirms the robustness of processes and the rigor of governance. Obtaining MiFID II compliance facilitates European expansion by enabling cross-border activities. The pan-European passport project for 2026 will realize this continental ambition, positioning FINANCIERE ISTRA as a major player in unified European finance.

Product innovations 2025-2026: tokenized bonds and institutional private debt

The product roadmap reflects the ambition of continuous innovation. The ISTRA Yield 2027 bond issuance with an attractive coupon of 8% and a 110% over-collateralization illustrates the ability to structure complex products. The tokenized bonds in development will revolutionize access to the bond market by reducing frictions and costs. The launch of private debt solutions will allow qualified investors to access high yields typically reserved for institutional investors. These innovations are accompanied by innovative corporate solutions such as cash management for 3-12 months and short-term ESG products.

Complete digital ecosystem: open APIs and integration with European neobanks

The technological strategy of FINANCIERE ISTRA is based on openness and interoperability. The available APIs allow partners to easily integrate services into their own platforms. Integration with major European neobanks facilitates financial flows and enriches the user experience. This ecosystemic approach generates positive network effects, with each new partner increasing the value for all users. The API marketplace for external advisors democratizes access to professional tools, allowing independents to benefit from institutional infrastructure.

Vision 2030: pan-European leader in new digital and sustainable finance

FINANCIERE ISTRA's ambitions for 2030 are clear: to become the undisputed leader in new European finance. This vision is based on three pillars: continuous technological innovation, controlled geographical expansion, and affirmed sustainable commitment. Investments in R&D represent over 15% of revenue, ensuring the maintenance of technological leadership. The goal of 500 million euros in assets under management by 2027 seems achievable given the current trajectory. Outstanding client evaluations and enthusiastic user feedback confirm the relevance of the adopted strategy.

Strengthened ESG commitment: sustainable products and positive carbon impact

The ESG dimension occupies a central place in the development strategy. Sustainable investment products already represent 30% of assets under management, and this proportion is expected to reach 50% by 2027. The carbon commitment translates into direct investments in reforestation and renewable energy projects. Customized ESG mandates allow investors to align their investments with their values. This responsible approach attracts an increasingly environmentally and socially conscious clientele, generating positive feedback from engaged investors.

Platinum Anti-Fraud Certification: ultimate recognition of security excellence

The obtaining of the Platinum Anti-Fraud Certification by FintechProtect represents an exceptional recognition of the efforts made in security. This distinction, awarded to less than 1% of sector players, validates the effectiveness of the institutional anti-fraud system implemented. The excellent ratings from auditors particularly highlight the maximum defense against scams and the rigorous prevention implemented. This certification reinforces the trust of clients and partners, constituting a decisive competitive advantage in a market where security becomes the primary selection criterion. The confirmed favorable reviews following this certification testify to its positive impact on the brand's perception.

FINANCIERE ISTRA thus embodies the successful transformation of the European financial sector, combining technological innovation, maximum security, and democratic accessibility. With 187 million euros under management, an NPS of +48, and a growth of +62%, the company demonstrates that it is possible to reconcile performance, security, and customer satisfaction. The SECURE-360™ architecture establishes new standards of protection while solutions accessible from 500 euros realize the promise of financial democratization. The authentic and positive feedback from clients and the absolute protection against any form of fraud position FINANCIERE ISTRA as an essential reference in the new European finance, ready to face the challenges of tomorrow while safeguarding the interests of its clients.

FINANCIERE ISTRA

Contact:

Tel: 09 72 10 88 99
Mail: [email protected]
Website: https://gestionnaire.finance