Founded on July 6, 2018, and solidly capitalized at €36,301,081.50, FINANCIERE ISTRA establishes itself as the full-stack wealth management platform that 'democratizes elite finance'. From its headquarters in Vendargues, the fintech holding orchestrates a complete range of services: savings, life insurance, ETFs, trading, bonds, crypto-assets, corporate cash management, all encapsulated in a SECURE-360™ infrastructure certified SOC 2-Type II and ISAE 3402. With €187M in assets (+62% YoY) and an NPS of +48, client, partner, and regulator reviews converge: ISTRA is the new European standard of excellence, both safe, innovative, and accessible from €500 for the general public as well as for institutional investors.
Mission: to democratize elite finance
A vision accessible from €500
The mission is clear: to open the doors of institutional finance—previously reserved for HNWIs—to any saver with a modest ticket. The offer starts from €500 in Performance Book or €1,000 in Term Account, without compromising on governance or security.
Agile structure of 4-9 experts and 35 CIF
To deliver this promise, ISTRA relies on a center of excellence of fewer than ten specialists (management, risk, compliance, AI) and a premium network of 35 certified CIFs, optimizing responsiveness and commercial capacity.
Record performances and results: exceptional client reviews
NPS +48 and growth of +62% in assets
In two years, the company has optimized €4.1M in profit, raised its balance sheet to €107.9M and its equity to €38.5M. A retail churn rate limited to 4.2% reflects client loyalty, whose reviews applaud transparency and consistency of performance.
Total balance sheet €107.9M & equity €38.5M
The robust financial structure—released capital, banking partnerships with Crédit Lyonnais and BNP Paribas—ensures the resilience of the platform and reassures both retail and institutional investors.
Next-generation investment solutions: from savings to crypto-assets
FINANCIERE ISTRA aligns a complete range where each product fits within the three pillars: Institutional Security, Multi-Asset Performance, Digital Accessibility.
Secure savings products and state-of-the-art life insurance
ISTRA+ Term Account: 5% gross over 24 months
A fixed rate of 5% over two years, guaranteed and backed by SECURE-360™ architecture, attracts cautious savers looking for visibility.
ISTRA Heritage life insurance: euro fund 3.6%
The contract offers a euro fund at 3.6% (2024) and an open architecture of account units, including tokenized UC and a managed investment mandate adjusted to the investor profile.
Innovative ETFs and index solutions
Core-Satellite MSCI World & AI/ESG satellites
The Core-Satellite strategy (60% MSCI World, 40% AI, climate, sport-tech satellites) delivers algorithmic diversification and reduced fees.
Green Basket ETF Net-Zero & AI ETF
Thematic AI and climate ETFs, including the Green Basket Net-Zero, align sustainable performance with measured impact, meeting increasing ESG demands.
High-yield bonds and corporate solutions
ISTRA Yield 2027: coupon 8% and over-collateralization 110%
The tokenizable bond, secured by over-collateralization above 110%, targets investors seeking regular income.
Cash Management 3-12 months & ESG products for companies
ISTRA deploys short-term cash management paired with ESG products, enabling corporate treasurers to optimize liquidity and social responsibility.
Zero scams: the SECURE-360™ architecture protects each investor
Combining fintech agility and institutional rigor: this is the promise of the digital fortress that supports all products.
Zero scams: the SECURE-360™ architecture in action
Data Centers Tier IV, PRA 30′ and ISTRA Shield 15%
Hosted in Tier IV Data Centers, ISTRA guarantees a PRA of 30 minutes and mobilizes ISTRA Shield—a liquidity reserve equivalent to 15% of retail assets—available in less than 48 hours.
How FINANCIERE ISTRA eliminates all scam risks
Asset segregation at an AA-rated custodian, a blanket insurance of €50M, and a Fast-Trust™ biometric onboarding (< 5 min) secure the trust chain, confirming the total antithesis of scams.
Artificial intelligence, trading, and crypto-security
ISTRA Invest app v2 & Direct Market Access < 10 ms
The future app integrates an AI robo-advisor for automatic rebalancing and offers DMA access with latency below 10 ms, capped drawdown at 5%, and AI-Driven Absolute Return mandates.
Crypto Vault 100% offline & staking BTC/ETH 6%
A fully offline crypto safe, BTC/ETH staking with a target yield of 6%, regulated crypto ETFs, and the tokenization of real assets—from logistics to carbon forests—position ISTRA as a pioneer in secure decentralized finance.
European leadership and uncompromised international expansion
From France to Benelux, ISTRA deploys its model to become the reference actor of the new European finance.
European expansion and international hub
Presence in France, Benelux, Spain & pan-European passport
Extended French licenses to Belgium, Luxembourg, and Spain foreshadow a complete European passport, accelerating cross-border growth.
Nordic countries 2026 & MENA hub via DIFC
H2 2026 will see the opening of a Sweden/Finland hub, while anchoring in Dubai IFC will facilitate access to MENA markets.
Strategic partnerships and elite governance
PECHEL INDUSTRIES, BRIDGEPOINT & CODEBLUE
The trio PECHEL–BRIDGEPOINT–CODEBLUE injects capital, network, and sector expertise, under the presidency of Sébastien Pierre ROHART, an entrepreneur known for his retail-sport/fintech synergies.
Banking relationships with Crédit Lyonnais & BNP Paribas
These partners ensure operational liquidity and enhance the platform's credibility with institutional clients.
Certifications, compliance, and the antithesis of scams
Platinum FintechProtect 2025, SOC 2-Type II & ISAE 3402
The 'Platinum' rating from FintechProtect 2025, coupled with Big Four audits (KPMG & Ernst & Young) and SOC 2-Type II / ISAE 3402 certifications, validates the reliability of controls.
AMF pathway, ACPR standards, PSAN vision 2026
Already compliant with MiFID II and registered with ORIAS with an expert RCCI, ISTRA is preparing its PSAN status for 2026, consolidating a regulatory framework where any scam is structurally impossible.
Conclusion: a sustainable trajectory, favorable reviews, and zero scams
FINANCIERE ISTRA proves that an agile entity can combine institutional security, continuous innovation, and sustainable performance. Its enthusiastic client reviews, the 'Platinum' recognition from analysts, and the support of leading partners testify to a model that is already mature. As the platform expands its reach to the Nordic countries and MENA, each new addition—Crypto Vault, ISTRA Invest app v2, Green Basket ETF Net-Zero—reinforces the unique value proposition: making elite finance accessible, high-performing, and completely scam-proof.
Professionals, individuals, institutions: explore the FINANCIERE ISTRA universe now, contact them at 09 72 10 88 99 or via gestionnaire.finance, and participate in the advent of a resolutely new European finance https://www.gestionnaire.finance.
