E-signature for the finance function
Banking contracts, factoring agreements, M&A due diligence, audit engagement letters, SEPA mandates, intra-group treasury agreements: Certyneo offers ACPR-recognised eIDAS qualified signature (QES), SOX-compatible audit trail for US subsidiaries, and a tamper-proof audit log.
Finance constrained by signatures
A CFO signs an average of 30 contracts per month (banking, supplier, intra-group). Missed initials on > €100k contracts delay treasury flows, burden audits, generate operational risk. Certyneo offers eIDAS QES + SOX-compatible audit trail.
All your financial acts online
6 use cases covering treasury, M&A, audit and factoring.
Banking contract & credit line
Pro current account agreement, revolving credit line, surety contract, B2B SEPA mandate (B2B SDD).
Factoring agreement
Recourse or non-recourse factoring contract, Dailly assignment (art. L313-23 French Monetary Code), commercial pledge, autonomous payment guarantee.
M&A due diligence
Pre-data-room NDA, letter of intent (LoI), term sheet, merger-acquisition contract, SPA (Share Purchase Agreement) with asset/liability guarantees.
Audit engagement letter
Statutory auditor engagement letter, affirmation letter, representation letter (art. R823-7 French Commerce Code).
Intra-group treasury agreement
Cash-pooling agreement, intra-group loan (art. L511-7 CMF banking monopoly derogation), commitment guarantee, letter of patronage.
SEPA SDD / SCT mandate
SEPA B2B SDD mandate, urgent SCT transfer order, automatic supplier payment mandate, intra-European direct debit authorisation.
Why Certyneo for finance
eIDAS qualified signature (QES)
Our QES is recognised by the ACPR for > €1M banking contracts, by the DGFiP for tax returns, by the EBA for cross-border financial contracts. Video KYC pre-verification included.
SOX-compatible audit trail
US subsidiaries of French companies: our audit trail satisfies SOX 404 requirements (Internal Control over Financial Reporting). Immutable logs, cryptographic seal, PCAOB exportable.
ACPR & EBA compliant
Banks, fintech, insurtech: our signatures are recognised by the ACPR (French Prudential Supervisory Authority) and the EBA (European Banking Authority) for regulated contracts.
Frequently asked questions — finance
- Is the Certyneo QES recognised by the ACPR?
- Yes. Our QES (Qualified Electronic Signature) within the meaning of eIDAS art. 26 is issued by a qualified TSP (Qualified Trust Service Provider) listed in the European TSL. The ACPR recognises it for banking contracts, brokerage agreements, asset management mandates.
- Can I sign a B2B SEPA mandate online?
- Yes. The B2B SEPA SDD mandate requires advanced (AES) or qualified (QES) e-signature depending on your bank's T&Cs. Certyneo covers both. The signed mandate is exportable in SEPA XML format for CFONB transmission.
- Is Certyneo SOX-compliant for my US subsidiaries?
- Yes. Our audit trail satisfies SOX 404's 5 pillars (control environment, risk assessment, control activities, information & communication, monitoring). PCAOB / AICPA documentation provided within 48h for your external auditors (Deloitte, EY, KPMG, PwC).
- What signature level for a statutory auditor engagement letter?
- Advanced e-signature (AES) suffices for the auditor engagement letter (art. R823-7 French Commerce Code). For audit reports themselves, QES is recommended. Certyneo covers both levels.
- How long do we keep the audit trail?
- Minimum 10-year retention (French Commerce Code art. L123-22) for commercial acts. 30-year retention configurable for banking contracts (banking limitation period). For M&A SPAs, 30 years recommended (residual guarantee duration).
Related solutions and functions
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