Trustiway

What Trustiway does

Trustiway is a French fintech brokerage firm operating under dual ACPR supervision through two complementary private entities: TRUSTIWAY ASSURANCE SAS (RCS Paris 882 698 640, ORIAS COA n° 20 003 367, founded March 2020) and TRUSTIWAY FINANCE SASU (RCS Meaux 915 094 684, ORIAS IOBSP n° 23 000 854, founded June 2022). The company operates as a regulated intermediary in two product lines: credit consolidation (rachat de crédit), where it consolidates multiple consumer and mortgage loans into a single lower monthly payment by auctioning the file across 9 partner banks (My Money Bank, Créatis, CFCAL, CGI Finance, Crédit Mutuel de Bretagne, Crédit Municipal de Lille, Sygma, CréditLift, BankB), and insurance brokerage, where it competes 28 partner insurers (Cardif, Suravenir, CNP, AXA, Allianz, Generali, MetLife, Tokio Marine HCC, SwissLife, and others) for borrower insurance substitution under the Loi Lemoine right to terminate at any time, home (MRH), and Propriétaire Non Occupant (PNO) landlord insurance.

The technical platform is a web-based brokerage with publicly documented online simulators for credit consolidation (amortization-based monthly payment calculation compared against Banque de France usury rate), Loi Lemoine borrower insurance savings, and HCSF-compliant borrowing capacity (debt-to-income capped at 35%). The infrastructure is EU-hosted on OVH, uses Cookiebot for CNIL/IAB TCF v2.2 consent management, Umami for anonymized analytics, and explicitly authorizes GPTBot, ClaudeBot, and PerplexityBot in robots.txt alongside Shadow Markdown generation for LLM ingestion — a deliberate AI-search visibility strategy under an E-E-A-T compliant content engine reviewed by named ORIAS brokers.

The commercial model is sales-led, free to the client, and paid exclusively by partner banks and insurers at loan signing or policy binding (transaction-fee / commission-based). Customer acquisition combines a top-of-funnel online simulator, mid-funnel phone/email contact with named IOBSP/IAS brokers (no IVR or anonymous call center), and in-person appointments at the Serris (TRUSTIWAY FINANCE HQ) and Paris 2nd arrondissement (TRUSTIWAY ASSURANCE HQ) offices. The primary customer segments are French individual borrowers with multiple active credits seeking consolidation, mortgage borrowers seeking insurance substitution, and (as a secondary segment) French expatriates in Morocco and UAE. The company reported 287 closed files in 2025 with €412 average monthly savings, an 89% bank acceptance rate, an 11-day average processing time, and a 4.6/5 Google rating across 104 reviews as of April 2026. The company is founder-owned (Dominique Le Castrain, President and Director of Publication; Landry Le Castrain, Founder), privately held with no disclosed external funding, and operates within the Article L.519-6 Monetary and Financial Code framework.

Name

Trustiway

Legal name

TRUSTIWAY FINANCE SASU & TRUSTIWAY ASSURANCE SAS

Website

https://trustiway.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

Trustiway is a French ACPR-regulated dual-entity broker (IOBSP + COA) that consolidates consumer and mortgage loans through 9 partner banks and competes 28 insurers for borrower, home, and landlord insurance, serving French individual borrowers including expatriates in Morocco and UAE.

Ownership category

akta.pro rank

Product category

Credit and Insurance Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Loan Brokers (6163), Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYFSAEAKAB

Corporate Trust Services (Trustee, Agent & Escrow Roles)

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Fiduciary, Trust & Estate Advisory

Keywords

• Credit consolidation brokerage
• Borrower insurance brokerage
• Mortgage refinancing services
• Insurance intermediation services
• Financial brokerage firm

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Infrastructure

Revenue model

1. Bank commission on signing: Trustiway is compensated exclusively by partner banks in the form of commission paid at the signing of the loan offer by the client and upon effective disbursement of funds. This remuneration has no impact on the financial conditions (rate, TAEG, monthly payment) granted to the client. No fees are charged to the client before disbursement. The service is free for the borrower.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Trustiway is a regulated French brokerage firm that consolidates multiple consumer and mortgage loans into a single lower monthly payment and brokers borrower insurance substitution under the Loi Lemoine, by placing 9 partner banks and 28 partner insurers in competition for each client file. The service is free for clients and remunerated exclusively by partner banks and insurers at loan signing. Operations are split across TRUSTIWAY FINANCE (credit, IOBSP) and TRUSTIWAY ASSURANCE (insurance, COA), both ORIAS-registered and ACPR-supervised.

Product overview

Trustiway operates as a dual-entity regulated broker (IOBSP/IAS) offering credit consolidation (rachat de crédit), mortgage loans (prêt immobilier), and insurance brokerage (assurance emprunteur, MRH, PNO). The company leverages 9 partner banks and 28 insurers to negotiate optimal rates. Core products are supported by an online credit consolidation simulator and client portal (app.mytrustiway.com). The two regulated entities—TRUSTIWAY FINANCE (SASU, ORIAS 23 000 854) for credit operations and TRUSTIWAY ASSURANCE (SAS, ORIAS 20 003 367) for insurance—share the Trustiway brand while serving distinct regulatory perimeters.

Differentiator

Problem solved

Functional benefit

Products and services

• Rachat de crédit (Credit Consolidation) Service that combines multiple consumer and mortgage loans into a single, lower monthly payment, with Trustiway interfacing 9 partner banks to negotiate optimal rates for individual borrowers.
• Assurance emprunteur (Borrower Insurance) Borrower insurance brokerage enabling substitution under the Loi Lemoine at any time, comparing offerings from 28 partner insurers to secure cost savings averaging €8,000 over the loan duration.
• Prêt immobilier (Real Estate Loan) Real estate loan product for primary residence acquisition and buy-to-let investment, negotiated through Trustiway's partner banks.
• Assurance habitation MRH (Home Insurance) Multirisque Habitation home insurance for homeowners and tenants, with comparison and brokerage services through Trustiway's network of insurance partners.
• Assurance PNO (Non-Occupant Owner Insurance) Propriétaire Non Occupant insurance for landlords, mandated under Loi ALUR (2014), covering rental property risks and brokered through Trustiway's insurance partner network.

Quantifiable outcome

• Up to 60% reduction in monthly loan payments through consolidation
• +5 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

18 partnerships are on record, tiered core and minor.

• My Money BankcoreChannel Partner/ Reseller/ DistributorBanking partner. Specialist in complex mortgage consolidation files. One of 9 banking partners consulted per Trustiway client profile (3-8 banks consulted per dossier). Listed on partner logos section of trustiway.com.
• CréatiscoreChannel Partner/ Reseller/ DistributorBanking partner (Cofidis group subsidiary). Specialist in consumer loan consolidation. One of 9 banking partners in Trustiway network. Listed on partner logos section.
• CFCAL (CFCAL-Banque)coreChannel Partner/ Reseller/ DistributorBanking partner (Crédit Mutuel group subsidiary). Specialist in mortgage consolidation with hypothecary expertise. Referenced in client case studies (Lyon case, March 2026). One of 9 banking partners.
• CGI FinanceminorChannel Partner/ Reseller/ DistributorBanking partner. Listed among 9 banking partners in Trustiway network.
• Crédit Mutuel de Bretagne (CMB)minorChannel Partner/ Reseller/ DistributorBanking partner. Listed among 9 banking partners in Trustiway network.
• Crédit Municipal de Lille (CML)minorChannel Partner/ Reseller/ DistributorBanking partner. Listed among 9 banking partners in Trustiway network.
• Sygma (by My Money Bank)minorChannel Partner/ Reseller/ DistributorBanking partner. Listed among 9 banking partners in Trustiway network.
• CréditLiftminorChannel Partner/ Reseller/ DistributorBanking partner. Listed among 9 banking partners in Trustiway network.
• BankB (ex-CKV)minorChannel Partner/ Reseller/ DistributorBanking partner (formerly CKV). Listed among 9 banking partners in Trustiway network.
• CardifcoreChannel Partner/ Reseller/ DistributorInsurance partner (BNP Paribas group). One of 28 insurers in competition for borrower insurance (assurance emprunteur) per client profile.
• SuravenircoreChannel Partner/ Reseller/ DistributorInsurance partner. One of 28 insurers in Trustiway network for borrower insurance comparison.
• CNP AssurancesminorChannel Partner/ Reseller/ DistributorInsurance partner. One of 28 insurers in Trustiway network.
• AXAminorChannel Partner/ Reseller/ DistributorInsurance partner. One of 28 insurers in Trustiway network.
• AllianzminorChannel Partner/ Reseller/ DistributorInsurance partner. One of 28 insurers in Trustiway network.
• GeneraliminorChannel Partner/ Reseller/ DistributorInsurance partner. One of 28 insurers in Trustiway network.
• SwissLifeminorChannel Partner/ Reseller/ DistributorInsurance partner. One of 28 insurers in Trustiway network.
• MetLifeminorChannel Partner/ Reseller/ DistributorInsurance partner. One of 28 insurers in Trustiway network.
• Tokio Marine HCCminorChannel Partner/ Reseller/ DistributorInsurance partner. One of 28 insurers in Trustiway network.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• MaTribu / BoursedesCrédits: French online brokerage specializing in credit consolidation and rachat de crédit. Smaller-scale direct peer serving similar individual borrower use cases with comparable lead-gen model.
• Younited Credit: French consumer credit platform originally a marketplace lender now also offering credit consolidation. Adjacent player in the rachat de crédit segment with overlapping customer personas.
• Cofidis: Major French consumer credit specialist (subsidiary of Crédit Mutuel) active in credit consolidation and refinancing directly. Competes at the funding-source level and through its subsidiary Créatis, which is a Trustiway banking partner.

Direct peers

• Assurland: French insurance comparison and brokerage platform covering home, borrower, and other insurance lines. Competes with Trustiway's assurance produit offerings via insurer aggregation.
• Magnolia.fr: French online insurance comparison and brokerage platform, including borrower insurance. Competes in Trustiway's assurance emprunteur and home insurance segments via a similar bank/insurer aggregation model.
• Cafpi: Leading French mortgage broker with broad bank partnerships and ORIAS registration. Competes head-on in credit brokerage with significantly larger volume but similar intermediary/commission model.
• Pretto: French digital mortgage and credit brokerage using a hybrid tech + human advisor model for individuals seeking home loans and refinancing. Direct competitor in the rachat de crédit and prêt immobilier categories with similar named-broker differentiator.
• Meilleurtaux: One of France's largest mortgage and insurance brokers, IOBSP/COA-registered, comparing offers from multiple banks and insurers. Closest large-scale direct peer across both credit consolidation and assurance emprunteur.
• HelloPrêt: French online mortgage broker comparing offers from 100+ banks for individuals. Direct peer in prêt immobilier and rachat de crédit with a digital-first UX similar to Trustiway's simulator-led funnel.

Broad incumbents

• Boursorama Banque: Major French online bank offering direct mortgage and consumer credit products, bypassing brokers. Represents the disintermediation threat to the brokerage model rather than head-to-head partnership.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/trustiway-assurance
• Facebookfacebook.com/trustiwaygroup

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Trustiway