The global neobank market is booming, with projections exceeding $3.4 trillion by 2032. With nearly 38% market share in 2024, Europe is establishing itself as the leading region in this financial transformation. For fintechs and startups, launching financial services (neobanks, payment solutions or lending platforms) involves meeting significant structural requirements:
- Obtaining and maintaining regulatory licenses
- Deploying complex core banking infrastructure
- Managing high operational and technological costs
Treezor simplifies this implementation. Our Banking-as-a-Service solution provides all the necessary technological and regulatory building blocks via API, allowing players to innovate and focus fully on their core business (product design, customer relations and business development) while benefiting from a native, robust, scalable platform that complies with European requirements.
Compliance and security: the foundation of your payment offering
To launch a financial services project, it is essential to rely on a robust infrastructure capable of managing user identities and transaction flows. Treezor provides a comprehensive and secure regulatory foundation, transforming compliance into an immediate competitive advantage.
Project challenges |
Treezor solutions |
Benefits for you |
| Market access and licensing (time-to-market) |
Provision of Treezor’s Electronic Money Institution (EMI) license issued by the ACPR (issuance, management and distribution of payment methods), providing a ready-to-use regulatory framework (with European passport). |
Accelerated launch of the business without waiting for your own license. Significant reduction in regulatory costs. |
| Regulatory compliance |
Management of KYC/KYB procedures and anti-money laundering obligations. |
Outsourcing of regulatory complexity (KYC, KYB, AML-CFT), ensuring transaction security and data quality. |
| Technical complexity |
Modular, 100% API-based platform that allows you to integrate only the components you want (accounts, cards, transfers, etc.) |
Reduced initial investment and flexible architecture to adapt to market changes. |
| Fund and data security |
PCI-DSS and NIST certifications, and rigorous management of segregation procedures. |
Operational peace of mind to strengthen customer confidence |
Deploy a seamless and personalized payment offering
Once the BaaS foundation is in place, fintech companies can easily enhance their offering to build user loyalty and generate new revenue.
Project challenges |
Treezor solutions |
Benefits for you |
| Service access times |
Instant account opening via API with immediate allocation of a dedicated IBAN (BIC/IBAN Treezor) or payment card |
Reduced costs for acquiring new customers and rapid expansion of service offerings |
| Reliability and interoperability |
Full connectivity to SEPA networks: transfers (standard and instant) and direct debits (SDD). |
A comprehensive payment offering for managing all common cash flows (salaries, bills, rent, etc.) |
| Availability of local payment methods |
Immediate issuance of virtual cards, tokenization, and Apple Pay / Google Pay / Samsung Pay compatibility |
Immediate use of the card once onboarding is complete, enhancing the technological image and adoption of your service. |
| Innovation and differentiation |
White label cards (physical and virtual), authorization rules engine for real-time flow control (MCC, limits, restrictions) |
Creation of unique (e.g., limit management, merchant blocking) and customized services to precisely meet your targets. |
| Monetization of the offer |
Interchange revenue and integration of value-added services |
Creation of new complementary revenue streams. |
An evolving partnership to secure your trajectory
Treezor supports your ramp-up and European expansion by providing you with the business expertise essential to your long-term success.
Project challenges |
Treezor solutions |
Benefits for you |
| Scalability and massive volumes |
Cloud-native infrastructure proven by market leaders and support from operational experts. |
A robust platform capable of supporting strong growth and millions of daily transactions. |
| Need for solidity and lasting trust |
Partner of the Societe Generale group and principal member of international networks (Mastercard, Visa) |
A guarantee of technical and financial sustainability, reassuring for your investors and partners. |
| International expansion and compliant multi-currency solutions |
Multi-IBAN accounts and international flow management to cover all operations |
Rapid expansion into new European markets Reduced friction associated with cross-border payments. |
Anticipate industry developments alongside a leading partner
Beyond technological infrastructure, Treezor provides fintech players with the stability they need to navigate a constantly changing financial ecosystem. Treezor enables its partners to transform their ambitions into sustainable operational services that can adapt to future European market requirements.
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A Single Provider: A single contract and a single API for all services (accounts, cards, transfers), simplifying integration and technical management.
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Scalable Flexibility: The model allows fintechs to start by relying on Treezor’s EME approval and then, if growth is sufficient, to continue the partnership by continuing to use Treezor’s technological building blocks.
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Focus on Innovation and Expansion: By outsourcing payments, with technology proven by industry leaders (Swile, Shine, Qonto), the fintech can devote 100% of its resources to developing its customer application to conquer new European markets.
Business expertise: Take advantage of Treezor’s banking experience to secure your business and your European expansion.
