Электронная подпись для банка: соответствие MIF II, DSP2 и KYC 2026
Электронная подпись для банка: соответствие MIF II, DSP2, AML/KYC, GDPR. Варианты использования (открытие счета, кредит, соглашение) и рекомендуемый уровень eIDAS в 2026 году.
5 min
Banks, insurers, brokers, fintechs
Electronic signature for banking & insurance
Professional account opening, mortgage credit files, insurance subscriptions, brokerage agreements, portfolio management mandates: dematerialize all signed acts by your institution with an eIDAS level of proof. Compliant with DSP2 and DDA directives, the Monetary and Financial Code, the Insurance Code and KYC requirements.
Use cases in banking, insurance and fintech
All contractual acts of a bank, insurer or broker can be signed electronically, from initial KYC to life insurance subscription.
Professional account opening
Account agreement (art. L312-1-1 French Monetary and Financial Code), dematerialized business KYC, signature of attached bylaws. Advanced signature recommended + qualified timestamp for DSP2 traceability.
Real estate loan file
Loan offer (art. L313-14 French Consumer Code), 10-day reflection period under Scrivener law traceable with precision, sequential signatures from borrower + co-borrowers + possible guarantor.
Insurance subscription
Life insurance contracts (art. L132-5-1 French Insurance Code), supplementary insurance, professional property and casualty insurance. 14-day withdrawal period (art. L112-2-1) with timestamp, handwritten note replaceable by advanced signature.
Brokerage agreement
Insurance or credit brokerage mandates (art. L519-1 French Monetary and Financial Code for credit, L511-1 French Insurance Code for insurance), with precise remuneration and reflection period.
Portfolio management mandate
AMF/ACPR mandates for discretionary management (art. D533-15 French Monetary and Financial Code). Advanced signature + qualified timestamp, audit trail compliant with MiFID II requirements.
Distance selling & customer space
Distance subscriptions with 14-day withdrawal period (art. L222-7 French Consumer Code for financial services), reinforced identification procedure DSP2 included.
Why Certyneo for banking & insurance
Six guarantees specifically adapted to the regulatory requirements of financial and insurance institutions.
DSP2-compatible strong identification
OTP SMS + email verification, compliant with strong customer authentication (SCA) requirements of DSP2. Qualified timestamp and SHA-256 hash guarantee integrity and non-repudiation.
Regulatorily enforceable audit trail
Each envelope produces a signature certificate: OTP identity, IP, qualified timestamp, SHA-256 hash. Admissible before ACPR, AMF, and all civil and commercial courts.
Hébergement UE & GDPR
Chiffrement TLS 1.3 en transit, AES-256 au repos, isolation stricte des données. Hébergement 100 % UE (Allemagne, IONOS), aucune sous-traitance hors UE. DPA conforme GDPR incluse, compatible avec les exigences de localisation des données bancaires.
10-year compliant archiving
10-year archiving with probative value (art. L123-22 French Commercial Code, art. R313-3 French Consumer Code). Complete export at any time for ACPR/AMF audit or transmission to successor.
Conforme eIDAS — niveau avancé (AES)
Signature avancée conforme au règlement (UE) n°910/2014. Pour les opérations exigeant le niveau qualifié (QES), roadmap d'intégration avec prestataire QTSP partenaire.
REST API + webhooks
Public REST API for native integration into your banking CRM or insurance platform. Webhooks for workflow control (envelope.signed, recipient.signed). Compatible with major core banking and insurance systems.
Probative value in banking & insurance
The probative value of an electronic signature in finance rests on three fronts: demonstrating strong customer authentication (DSP2 SCA), proving compliance with legal deadlines (Scrivener, withdrawal, retraction), and guaranteeing the integrity of the archived contract in case of ACPR/AMF audit.
Certyneo delivers for each signature an audit certificate integrated into the PDF, which groups technical evidence:
- Identity of the signatory (email + phone verified by OTP — DSP2 SCA compatible)
- Qualified timestamp of each action (sending, consultation, signature, refusal)
- SHA-256 cryptographic fingerprint of the signed document
- IP and coarse geolocation of the signatory
- Detailed log of reminders and notifications
- Traceability of legal deadline (Scrivener reflection, retraction, withdrawal)
This body of evidence meets the requirements of article 1366 of the French Civil Code, the eIDAS regulation and supervisory authorities (ACPR, AMF). In case of audit or customer dispute, the audit trail constitutes direct enforceable evidence.
DSP2, DDA, Monetary Code and eIDAS Compliance
Certyneo operates within the legal framework applicable to banking, insurance and fintech institutions.
DSP2 Directive (EU 2015/2366) — SCA
Strong customer authentication (SCA) requires two out of three elements: knowledge (password), possession (OTP phone), inherence (biometrics). Certyneo natively covers knowledge + possession elements via OTP SMS and email.
DDA Directive (EU 2016/97) — insurance distribution
The insurance distribution directive imposes a documented pre-contractual information procedure (DIC IPID, duty of advice). Certyneo allows electronic signature of information elements with timestamped tracing of delivery to the customer.
French Monetary and Financial Code — art. L312-1-1 (account) & L313-14 (credit)
Article L312-1-1 requires a written and prior account agreement; article L313-14 governs real estate loan offers with a 10-day reflection period. Certyneo precisely traces the moment of acceptance and the elapse of the legal deadline.
French Insurance Code — art. L132-5-1 & L112-2-1
Article L132-5-1 requires 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 periods enforceable.
Frequently asked questions from financial institutions
Can a business account agreement be signed electronically?
Yes, without restriction. Article L312-1-1 of the Monetary and Financial Code requires a prior written agreement but prescribes no specific form. Certyneo''s advanced signature (AES) meets DSP2 requirements for strong customer authentication (SCA) while precisely timestamping acceptance.
How to comply with the 10-day Scrivener reflection period on mortgage credit?
Certyneo precisely timestamps the loan offer''s availability and the customer''s signature. The audit trail proves without ambiguity that the 10-day period (art. L313-34 Consumer Code) was respected before signature — enforceable in case of contract unenforceability disputes.
Does electronic signature replace handwritten mention in life insurance?
Yes, within the framework of an advanced signature (AES) with audit trail. French case law recognizes that advanced electronic signature, accompanied by an audit trail demonstrating the customer''s knowledge of contractual elements, satisfies the requirements of article L132-5-1 of the Insurance Code.
Is the 14-day withdrawal period enforceable?
Yes. Qualified timestamping of the contract signature starts the withdrawal period of article L112-2-1 of the Insurance Code (insurance) or L222-7 of the Consumer Code (distance financial services). Certyneo tracks this period and automatically notifies its expiration.
Does Certyneo integrate with my banking CRM?
A public REST API is available with event webhooks (envelope.signed, recipient.signed, deadline.reached). Compatible with major core banking systems (Sopra, Linedata, Murex) and insurance systems (Adelia, Cassiopae) via webhooks or polling.
Les données client sont-elles protégées par le GDPR bancaire ?
Oui. Chiffrement TLS 1.3 + AES-256, isolation stricte par établissement, hébergement 100 % UE (Allemagne) sans sous-traitance hors UE. DPA conforme GDPR disponible incluant les clauses spécifiques au secret bancaire (art. L511-33 Code monétaire et financier) et au secret des assurances.
What to do in case of ACPR or AMF audit?
Certyneo''s audit trail is exportable at any time in certified PDF. It documents the signer''s identity, qualified timestamping, document integrity, compliance with legal deadlines. These elements are enforceable against supervisory authorities to demonstrate compliance with the duty of advice and pre-contractual information.
How much does electronic signature cost for a financial institution?
A free plan allows you to test 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 audit trail, and technical support are included.
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