Sign an IOBSP brokerage mandate online
Brokerage mandate between an intermediary in banking operations and payment services (IOBSP) and its individual or business client, for brokerage in mortgage credit, consumer credit, debt consolidation or payment services. Electronically signed in compliance with article L519-1 of the Monetary and Financial Code, fee transparency, and ORIAS obligations. Advanced signature recommended, 10-year archiving included.
- Legal framework
- Art. L519-1 to L519-6 CMF · ORIAS (L546-1)
- Signature level
- eIDAS AES recommended (Regulation 910/2014, article 26)
- Legal archiving
- 10 years (article L123-22 Commercial Code)
What is an IOBSP brokerage mandate?
The brokerage mandate is a written contract by which an intermediary in banking operations and payment services (IOBSP) — credit broker, payment intermediary, fintech platform — receives from the client (individual or business) the mission to search for, negotiate and conclude a mortgage credit, a consumer loan, a debt consolidation, or a payment service with providers (banks, credit institutions, payment service providers). Article L519-1 of the Monetary and Financial Code requires a written contract specifying: the identity and category of the intermediary (broker, exclusive agent or non-exclusive agent), the nature and scope of its mandate, remuneration conditions (fixed fees, commission on credit, or percentage, transparently), duration, termination conditions, and any conflicts of interest. The intermediary must be registered with ORIAS (article L546-1 CMF). Advanced electronic signature + qualified timestamp makes it possible to establish with certainty the moment when the client became aware of the mandate terms and accepted it.
Why sign electronically?
Time-stamped fee transparency
Article L519-1 requires precisely specifying the intermediary''s remuneration (fixed fees, commission, remuneration rate or combination). Certyneo''s advanced signature time-stamps the presentation of fees to the client — enforceable in case of subsequent dispute over offer compliance.
Guaranteed ORIAS traceability
ORIAS is the third-party body responsible for verifying intermediaries in banking operations and payment services (article L546-1 CMF). Certyneo generates a complete audit trail: client identity verified by SMS OTP, qualified timestamp, time-stamped advanced signature. Admissible before ORIAS in case of inspection.
Compliant 10-year archiving
Article L123-22 of the Commercial Code requires retaining the written mandate and supporting documents for 10 years. Certyneo automatically archives the signed mandate + its eIDAS audit trail (qualified timestamp, SHA-256 hash, time-stamping of each action) for this entire duration, accessible with one click for ORIAS audit.
Audit trail enforceable in litigation
Each mandate comes with a proof PDF: client identity verified by SMS OTP, qualified timestamp, SHA-256 hash, IP. Enforceable in case of dispute (compliant with eIDAS and French law: electronic signatures equal handwritten signatures). As probative as a handwritten signature to demonstrate client consent and accepted terms.
4-step procedure
From preparation to legal archiving, in less than 5 minutes.
1. Prepare the brokerage mandate
Upload your mandate template compliant with art. L519-1 CMF: intermediary identity and ORIAS number, category (broker / exclusive agent / non-exclusive agent), scope of mandate (mortgage credit, consumer credit, debt consolidation, payment), complete and transparent remuneration terms (fixed fees, commission, rate), duration, termination. Include the intermediary''s pre-contractual information form.
2. Send to client
The client receives a secure link via personalized email. The platform precisely timestamps the mandate delivery and the client''s access to the content. Certyneo technically guarantees prior consultation before signature.
3. Choose advanced signature (AES)
Advanced signature (AES) recommended to satisfy the transparency and traceability required by art. L519-1: identity verification by SMS OTP on the client''s phone, unique certificate per signer, qualified timestamp of acceptance. Compliant with Regulation (EU) No. 910/2014, article 26.
4. Sign and archive for 10 years
The client signs from their phone or computer with SMS OTP. The finalized mandate + complete audit trail (qualified timestamp, SHA-256 hash, signer''s IP) are automatically archived for 10 years, accessible for ORIAS audit or litigation.
Frequently asked questions
- Can an IOBSP brokerage mandate be signed electronically?
- Yes, without restriction. Article L519-1 of the Monetary and Financial Code requires a written mandate but prescribes no specific form. Certyneo''s advanced signature + qualified timestamp fully satisfy substantive and formal requirements, and even offer greater traceability than a handwritten signature (compliant with eIDAS Regulation 910/2014, article 26).
- What is an IOBSP and who must register with ORIAS?
- An IOBSP (Intermediary in Banking Operations and Payment Services) is a professional acting as a credit intermediary or payment services provider: credit brokers, agents (exclusive or non-exclusive), electronic money issuers, payment agents. Article L546-1 CMF requires registration with ORIAS (Register of Intermediaries in Insurance, Banking and Finance). Only salaried agents working under the supervision of a registered principal are exempt.
- What mandatory elements must the mandate contain?
- Article L519-1 CMF requires: (1) full identity of the intermediary and ORIAS number; (2) category (broker, exclusive agent, non-exclusive agent); (3) scope of mandate (types of credit, payment services); (4) precise and transparent remuneration terms (fees, commissions, applicable interest rate, any cumulation); (5) duration of mandate and termination conditions; (6) declared conflicts of interest; (7) pre-contractual information (DIA compliance).
- How to comply with the fee transparency required by CMF?
- Article L519-1 requires that all fees and commissions be communicated in writing before the mandate is signed. Certyneo precisely timestamps the delivery of the fee document to the client (qualified timestamp). The signed mandate + its audit trail prove that the client accepted the remuneration with full knowledge — enforceable before ORIAS if contested.
- What signature level: SES, AES or QES?
- Advanced signature (AES) recommended for an IOBSP brokerage mandate: identity verification via SMS OTP, unique certificate, qualified timestamp. Compliant with Article 26 of Regulation (EU) No. 910/2014 (eIDAS) and CMF transparency requirements. SES is insufficient because it lacks identity traceability; QES is oversized for this use case.
- How long must the intermediary retain the mandate?
- Minimum 10 years (Article L123-22 of the Commercial Code). ORIAS requirements impose retention of the signed written mandate, all compliance documentation, and the client file for 10 years from the date the mandate is terminated. Certyneo automatically archives the signed contract + complete audit trail for this duration.
- Can the mandate be unilaterally modified by the intermediary?
- No — the mandate can only be modified with written consent from the client. Any modification (scope of mandate, remuneration terms, duration) must be subject to a new electronically signed agreement. Certyneo allows you to sign amendments to the initial mandate, with separate timestamp and distinct audit trail.
- Is the electronically signed mandate enforceable before a court and ORIAS?
- Yes — in France, electronic signatures have equal value to handwritten signatures since 2000, and the eIDAS Regulation (910/2014) guarantees this equivalence throughout the EU. The Certyneo audit trail (qualified timestamp, SMS OTP, SHA-256 hash) is admissible before courts, ORIAS and any administrative authority in case of inspection.
Also read
Sign your first IOBSP brokerage mandate online
Permanent free plan (5 envelopes / month), no credit card required. Compliant with Monetary and Financial Code (L519-1, L546-1), ORIAS and eIDAS Regulation 910/2014. Audit trail and 10-year archiving included.