Business account opening, mortgage credit files, insurance subscriptions, brokerage agreements, portfolio management mandates: dematerialize all acts signed by your establishment with eIDAS proof level. Compliant with DSP2 and DDA directives, the Monetary and Financial Code, the Insurance Code and KYC requirements.
All contractual acts of a bank, insurer or broker can be signed electronically, from initial KYC to the subscription of a life insurance contract.
Account agreement (art. L312-1-1 Monetary and Financial Code), dematerialized business KYC, signature of attached bylaws. Advanced signature recommended + qualified timestamp for DSP2 traceability.
Loan offer (art. L313-14 Consumer Code), 10-day reflection period under Scrivener law precisely traceable, sequential signatures of borrower + co-borrowers + potential guarantor.
Life insurance contracts (art. L132-5-1 Insurance Code), disability insurance, business property insurance. 14-day withdrawal period (art. L112-2-1) timestamped, handwritten mention replaceable by advanced signature.
Insurance or credit brokerage mandates (art. L519-1 Monetary and Financial Code for credit, L511-1 Insurance Code for insurance), with precise remuneration and reflection period.
AMF/ACPR mandates for discretionary management (art. D533-15 Monetary and Financial Code). Advanced signature + qualified timestamp, audit trail compliant with MIF II requirements.
Distance subscriptions with 14-day withdrawal period (art. L222-7 Consumer Code for financial services), enhanced DSP2 identification procedure included.
The entry into relationship and identity verification (KYC) file at the start of a business relationship (Articles L561-5 and L561-6 of the Monetary and Financial Code, LCB-FT obligations).
Membership of supplementary health insurance or collective pension contract (Article L221-2 of the Code of Mutual Insurance).
Six guarantees specifically tailored to regulatory requirements of financial and insurance institutions.
OTP SMS + email verification, compliant with the DSP2 strong client authentication (SCA) requirements. Qualified timestamping and SHA-256 hash ensure integrity and non-repudiation.
Each envelope produces a signature certificate: OTP identity, IP, qualified time stamp, SHA-256 hash.
TLS 1.3 encryption in transit, AES-256 at rest, strict data isolation. 100% EU hosting (Germany, IONOS), no sub-processing outside the EU. GDPR-compliant DPA included, compatible with banking data localization requirements.
Archiving 10 years with probative value (Article L123-22 of the Commercial Code, Article R313-3 of the Consumer Code).
Signatures compliant with Regulation (EU) No 910/2014, with all three levels available: simple (SES), advanced (AES) and qualified (QES). QES — the legal equivalent of a handwritten signature throughout the EU — is billed per act (€9.90/signature) for higher-stakes transactions and ACPR/AMF compliance.
Public REST API for native integration into your banking CRM or insurance platform. Webhooks for workflow control (envelope.signed, recipient.signed). Compatible with the major core banking and insurance SI.
The probative value of an electronic signature in finance hinges on three fronts: demonstrating strong customer authentication (DSP2 SCA), proving compliance with legal deadlines (Scrivener, waiver, withdrawal), and guaranteeing contract integrity in archived form in case of ACPR/AMF audit.
Certyneo delivers for each signature an audit certificate embedded in the PDF, which aggregates technical evidence:
This body of evidence meets the requirements of Article 1366 of the Civil Code, the eIDAS regulation, and supervisory authorities (ACPR, AMF). In case of audit or client dispute, the audit trail constitutes direct admissible evidence.
Certyneo operates within the legal framework applicable to banking, insurance, and fintech institutions.
Strong customer authentication (SCA) requires two out of three elements: knowledge (password), possession (OTP phone), inherence (biometry). Certyneo natively covers knowledge + possession elements via OTP SMS and email.
The insurance distribution directive mandates a documented pre-contractual information procedure (DIC IPID, duty of advice). Certyneo enables electronic signature of information elements with timestamped tracing of delivery to the client.
Article L312-1-1 mandates a written account agreement in advance; Article L313-14 governs mortgage loan offers with a 10-day reflection period. Certyneo precisely traces the moment of acceptance and expiration of the legal deadline.
Article L132-5-1 mandates a prior information note for life insurance; Article L112-2-1 sets a 14-day withdrawal period for distance selling. Certyneo''s advanced signature + qualified timestamp make these deadlines enforceable.
FINRA-registered broker-dealers must preserve communications and transactional records in a non-rewriteable, non-erasable format (WORM) for 3-6 years. Certyneo's qualified electronic seal plus immutable audit trail satisfies the 17a-4(f) preservation requirement; combined with our IONOS sovereign-EU archiving, US broker-dealers with European clients can demonstrate dual-regime compliance.
Title VII of Dodd-Frank requires swap dealers to maintain electronic execution records reflecting the time, terms, and counterparties of every trade. Certyneo's timestamped envelope audit trail (RFC 3161 qualified timestamps) provides the legally-binding execution evidence the CFTC and SEC require, and the EU residency of our infrastructure helps US firms avoid GDPR-conflict exposure when European counterparties sign electronically.
Publicly-traded companies must certify the effectiveness of internal controls over financial reporting. Electronic signatures on contracts, board resolutions, and 10-K certifications enter the SOX scope. Certyneo's signer-identity verification, document-tamper detection, and 10-year retention with evidentiary value support the documented control-environment SOX auditors evaluate.
The National Association of Insurance Commissioners publishes model laws on electronic signatures, electronic delivery of insurance documents, and remote online notarisation (RON). Most US states have adopted some version, with Florida, Texas, and Virginia taking the lead. Certyneo's eIDAS-Advanced signature meets the multi-factor authentication and signer-presence requirements of NAIC RON model law where European clients underwrite US risks.
Yes, without restriction. Article L312-1-1 of the Monetary and Financial Code requires a prior written agreement but does not prescribe any form. The advanced signature (AES) Certyneo meets the DSP2 requirements for strong customer authentication (SCA) while precisely timestamping the acceptance.
Certyneo gives the precise date of the loan offer and the signature of the customer.The audit trail shows unequivocally that the 10-day period (Article L313-34 of the Consumer Code) was respected before the signature of the contract.
Yes, in the context of an advanced signature (AES) with such a trail. French case law recognises that an advanced electronic signature, accompanied by an audit trail demonstrating the customer's knowledge of the contractual elements, satisfies the requirements of Article L132-5-1 of the Insurance Code.
Yes. The qualified time stamp of the contract signature runs the withdrawal period of Article L112-2-1 of the Insurance Code or L222-7 of the Consumer Code (remote financial services). Certyneo traces this period and automatically notifies the expiry of this period.
A public REST API is available with event webhooks (envelope.signed, recipient.signed, deadline.reached). Compatible with the main core banking (Sopra, Linedata, Murex) and SI insurance (Adelia, Cassiopae) via webhooks or polling.
Yes. TLS 1.3 + AES-256 encryption, strict isolation by institution, 100% EU hosting (Germany) with no sub-contracting outside the EU. GDPR-compliant DPA available including clauses specific to banking secrecy (art. L511-33 Monetary and Financial Code) and insurance secrecy.
The Certyneo audit trail is exported at any time in certified PDF. It documents the identity of the signatory, the qualified timestamp, the integrity of the document, compliance with legal deadlines. These elements are available to the supervisory authorities to demonstrate compliance with the duty to advise and pre-contractual information.
A free plan allows testing on 5 envelopes per month. Beyond that, paid plans start at a rate compatible with the current opportunity cost of paper files. 10-year archiving, eIDAS trail audit and technical support are included.
Yes, KYC (knowledge of customer) and LCB-FT obligations (Articles L561-5 and L561-6 of the Monetary and Financial Code) do not require any paper form.Certyneo allows the entry file to be signed in relation to a strong identification (OTP double channel, compatible SCA DSP2) and a qualified time stamp that traces the collection of consent and supporting documents objectable in case of ACPR or TRACFIN control.
Yes. The membership of a supplementary healthcare or pension contract (Article L221-2 of the Code of Mutual Benefit) is signed electronically without any formal restriction. The advanced signature Certyneo identifies the member, the date of delivery of the information leaflet and traces the consent particularly suitable for collective agreements (ANI) where employees join en masse from their mobile.
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