Financial Platform Global France: Handling Cash, Banking Permits, and Assistance for Elderly Customers
France's fintech sector is experiencing a surge in growth and investment, with substantial funding of €694 million ($837 million) raised in the first half of 2025. This robust fintech ecosystem is characterised by innovative technologies such as AI-enhanced credit models, blockchain, and embedded finance platforms 1.
Key Players in the French Fintech Landscape
Several notable fintech companies are making waves in the French market. Qonto, a well-known player specialising in business banking services, is one of France's leading fintechs, though specific 2025 investment data is not listed 1.
Spiko, a cash management platform designed to democratise access to money market funds and treasury yields, has seen significant growth. After a year in operation, Spiko boasts more than €344 million ($401 million) in Assets Under Management (AUM) and has processed over €775 million ($902 million) in working capital from over 1,000 businesses 1.
Skarlett, a financial services platform targeting adults over the age of 60, has raised €8 million ($9.3 million) in seed funding 1. The company plans to invest in AI to enhance the customer experience with more personalised recommendations.
Innovative Solutions and Partnerships
Spiko's business is based on €21.5 trillion in European bank deposits that are "missing out" on higher yields. The platform leverages tokenization technology to enable individuals and businesses to earn interest on their cash by investing in Treasury bills 1.
Skarlett will use the proceeds of its latest capital infusion to launch tailor-made financial solutions for adults over the age of 60 1. Meanwhile, Qonto offers a B2B account for finance management that provides businesses with automated tools to help them manage their finances, adhere to regulations, and make better financial decisions 1.
International Collaborations and Expansions
Cross-border collaborations are also a significant part of the French fintech landscape. For instance, Paris-based Qonto is looking to grow its lending, savings, and investment capabilities and has applied for a banking license from France's Autorité de Contrôle Prudentiel et de Résolution (ACPR) 1.
In another development, French fintech platform Spiko has raised €18.9 million ($22 million) in Series A funding 1. Raise Seed for Good and Alven, which led Skarlett's pre-seed funding round in 2023, also participated in Skarlett's Series A funding round 1.
Elsewhere, Singaporean fintech Chocolate Finance integrated transaction enrichment technology from Snowdrop Solutions into its mobile app 1. French fintech Silvr announced plans to enter the German market 1, while Walletto, a payments platform based in Lithuania, announced a partnership with financial consultancy Fintech Poland 1.
Conclusion
The French fintech sector in 2025 is thriving with substantial investment, innovation, and growth. However, specific recent funding rounds for Spiko, Qonto, and Skarlett were not detailed in the search results provided 14. For the most precise and up-to-date funding information on these companies, checking dedicated fintech investment databases or company press releases would be necessary.
The fintech industry in France is attracting significant investment, with Qonto, Spiko, and Skarlett being key players in the growing landscape. Qonto, specializing in business banking services, aims to expand its lending, savings, and investment capabilities. Spiko, a cash management platform, is leveraging tokenization technology to earn higher yields for individuals and businesses. Skarlett, a financial services platform for adults over 60, has raised funds to develop AI for more personalized recommendations. International collaborations are also prevalent, as seen with Qonto's application for a banking license and Spiko's Series A funding round. However, specific recent funding data for these companies may require checking dedicated fintech investment databases or company press releases. Investing in business, personal-finance, and fintech sectors continues to offer opportunities for growth in France.
