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Company Database - Treezor

European BaaS Platform
Treezor is a regulated fintech authorised to operate in 25 countries as an Electronic Money Institution and is also a key member of international card schemes. Treezor is the European leader in Banking-as-a-Service (BaaS). Its one-stop-shop finance solution enables companies to easily embed white-label payments into their services.

Active since

2016

Head office

Paris, France

Country offices

in France, Germany, Italy, Spain

Geographical coverage

Europe

Founder(s)

Eric Lassus and Xavier Labouret

Funding rounds and investors

Acquired by Société Générale group in 2019 and entry of Mastercard in the capital through a minority stake at the end of 2022.

Number of employees

200+

Member of industry association and/or initiatives

Treezor has partnerships with more than 12 local fintech associations in France, Germany, Spain, Italy, the Netherlands, and Belgium: Finance Innovation, Fintech Belgium, France FinTech, France Digitale, Bitkom, AFEPAME, Holland Fintech, AEFI, La Place Fintech, Fintech District, France Payments Forum, The Payments Association & ACSEL.

Awards

  • MCDS Mastercard Innovation Award (2018)

  • Top 5 in the Fintech FW500 ranking (2019)

  • Selection of the best BaaS platforms by Business Insider (2019)

  • Listed as a ‘Transformer’ in the Aperture market report about BaaS and Embedded Finance (2021)

  • Finalist in the category 'Best Embedded Finance Initiative' at the Banking Tech Awards (2022)

Contact

Core solution

The company`s core solutions

Treezor offers a one-stop shop embedded finance solution that covers the entire payment cycle, from acquiring to issuing, making it easy for clients to add payment services to their offer.

Major use cases & Products

Accounts, cards issuing (including virtual card), BIN sponsorship, payment acquiring, X-Pay (Apple Pay, Google Pay & Wearables), SEPA payments (SCT, SDD & SCT Inst), KYC/KYB, compliance.

Specialisation/Verticals Employee Benefits, Neobanks, Mobility, Savings, B2B payments
Competitive advantage A full white-label payment solution backed by Société Générale and Mastercard with strong experience in security and compliance. We can support payment projects with any kind of regulation (payment, e-money, etc.). We reduce costs and speed up time to market.

Target market

Target customers

Corporates, FIs, and fintech companies.

Current customers

Treezor has more than 100 customers. It is the preferred Embedded Finance platform for startups and innovative companies. Treezor has contributed to the success of European unicorns like Qonto, Lydia, and Swile, and large accounts such as Sodexo or Total Energies.

Technology

Type of technology used

  • Rest API, native cloud, serverless technology. 

  • Treezor provides a complete banking back office with detailed user rights management. 

  • Secure-by-design, OAuth2 Framework, strong end-to-end banking-level encryption, and cryptographic data encryption can also be integrated to add additional layers of security.

Partners

Technology partners

Treezor works with best-in-class worldwide technology partners, including AWS, SAS, Mastercard, VISA, Apple, Google, Idemia, and Thredd (GPS).
Bank partners Société Générale

Go-to-market strategy

Treezor is the leading European platform for embedded financial services and offers its clients easy integration of technology via API. We distribute our services directly to our clients and we are supported by a network of partners: local associations, consultants, integrators, and schemes.

Operating model

Category

Core-banking BaaS provider/Embedded Finance SaaS

The key layers that the provider is active in

Our one-stop-shop model for embedded finance offers a diverse range of services that address the following areas:

  • Technology: our full API platform covers the entire payment chain, and Treezor has its own CMS (Card Management System) that allows clients to define custom card profiles. We also have experience with card tokenization that enables X-Pays. We can propose to regulated institutions to use our technology under their licence.

  • Regulation and compliance: as an Electronic Money Institution (EMI), Treezor makes sure its clients' projects meet all regulatory obligations required in 25 countries where our license is passported in Europe. We propose in that case a payment agent or e-money distributor model.

Licence

Treezor is an Electronic Money Institution (EMI) authorised by the ACPR (the French regulator) to operate in 25 countries. 
Risk mitigation strategies and responsabilities
Actions taken to reduce or prevent the negative impacts of potential risks We strive to identify risks, implement effective security measures, ensure regulatory compliance, and continuously enhance our processes to mitigate risks and prevent negative impacts. Treezor partnered with SAS to implement an AI-based platform and to enhance its AML/CFT and fraud risk detection.

Business model

Pricing model

Setup fee for the build. Monthly fee for the platform and customer support. Transaction fee for the run.
For more details, please contact our sales team at

Revenue streams

Transaction fees

Case studies

Examples

Product roadmap

Existing features

SCA authentication, video liveness check, PVID-certified solution, card management system, wearables payment integration, SC Inst, card data enrichment

Planned features and releases

We plan to release Treezor's own proprietary rules engine and further develop our global presence.
We plan to release the following features soon: SDD B2B, local IBANs, Open Banking, and cross-border payments.

Contact Treezor

Paris https://www.treezor.com
sales@treezor.com communication@treezor.com
France