The real estate sector is currently undergoing a digital revolution, driven by the need to streamline financial flows. The global PropTech market is growing rapidly and is expected to increase from $40.19 billion in 2025 to an estimated $88.37 billion by 2032 (annual growth rate of 11.9%). In France, with nearly 925,000 transactions in 2025, PropTech players face growing operational challenges (expenses, regulations, etc.) However, traditional banking solutions, which are often rigid, no longer meet the need for transparency and agility.
Treezor, as a Banking-as-a-Service platform, is supporting this transformation by enabling PropTech platforms to integrate white-label financial services. Thanks to its modular and regulated infrastructure, Treezor simplifies the management of funds and financial flows, guarantees the traceability and security of transactions and frees managers from administrative constraints. This approach makes real estate management more transparent, agile and focused on the user experience.
Regulatory security and control of funds
Third-party fund management requires a rigorous structure to ensure transparency between owners, tenants and property managers. Treezor secures these flows with a framework that complies with industry requirements, including the Hoguet Law.
Project challenges |
Treezor solutions |
Benefits for you |
| Complex management of third-party funds (Hoguet Act) |
Segregated accounts and dedicated IBANs: for each owner, co-ownership or construction project. |
Strict separation and complete traceability of funds ensuring regulatory compliance. |
| Lack of visibility on financial flows |
API-based management to consolidate flows by building, portfolio or agent. |
Instant, consolidated view of flows integrated within existing business tools (ERP, accounting software). |
Complete automation of payment flows
The efficiency of a real estate platform depends on the smooth processing of transactions. Treezor automates the payment chain, from service charge notices to paying service providers.
Project challenges |
Treezor solutions |
Benefits for you |
| Time-consuming and manual accounting reconciliation |
Attribution of a dedicated IBAN to each payer (tenant/co-owner/co-ownership) |
Automated reconciliation thanks to the identification of the origin of funds, reducing accounting processing time. |
| Delays in reimbursements/payments to service providers |
SEPA transfer API for bulk or instant payments to service providers (plumbers, electricians, concierge services, etc.) |
Fast payment execution, limiting disputes and facilitating interventions. |
| Risk of unpaid bills and fragmented collection |
Automated multi-channel collection: (direct debits, instant transfers, card payments) |
Simplification of reminder processes and securing of rental income. |
Digitization of expenses and access to housing
Modernizing the real estate experience involves simplifying every financial step, from security deposits to routine maintenance. Treezor streamlines these processes through configurable payment tools.
Project challenges |
Treezor solutions |
Benefits for you |
| Difficult to track renovation budgets |
Treezor’s MDC rules engine to define authorizations by merchant category code (MCC), geographic area or amount.
|
Real-time control: purchases that do not comply with defined budgets are blocked |
| Complex management of routine expenses (small purchases) |
Issuance of payment cards (physical or virtual) linked to the condominium or owner’s account. |
Simplification of small purchases (repairs, supplies) without personal advance payments and automation of accounting entries. |
| Securing security deposits |
Creation of digital escrow accounts for security deposits during the lease. |
Securing funds and returning them via bank transfer to the outgoing tenant |
Choosing Treezor: a license that promotes trust and growth
Choosing Treezor means relying on a regulated structure that guarantees the protection of third-party funds through its Electronic Money Institution license.
The use of a unified API covering the entire payment chain allows PropTechs to automate their flows and enhance transaction traceability. The integration of white-label financial services enables flows (account management fees, card commissions, etc.) to be monetized. Lastly, PropTech platforms can centralize their operations, offering their users a secure experience. By delegating financial management to an approved expert such as Treezor, PropTech companies can focus on their core business while ensuring sustainable growth.
