FAKTUS
Construction firms wait months to be paid; FAKTUS pairs a business account with invoice financing built around that wait.
Neobank for construction SMEs: French-IBAN business account and team cards on Swan, plus invoice financing and retention sureties.
- Who holds it
- A sponsor bank behind the brand — not the app you signed up with — Payment account via Swan (partner: Swan, licensed EMI); FAKTUS is an ORIAS-registered agent (23008083).
- The ledger
- Split between a program manager and the sponsor bank — the modular setup that broke in Synapse.
- If it fails
- Any claim runs through the sponsor bank, and only works if the two ledgers reconcile.
Derived from FAKTUS’s regulation type and custody — a class of protection, not a guarantee. Limits and eligibility vary by scheme, balance and jurisdiction; confirm before you rely on it. What happens if a neobank shuts down →
The facts
| Category | traditional · SMB & startups |
| HQ | Paris, FR |
| Founded | 2023 |
| Custody | Custodial |
| Regulation type | Partner-bank model |
| License detail | Payment account via Swan (partner: Swan, licensed EMI); FAKTUS is an ORIAS-registered agent (23008083) |
| Card | No card |
| Stablecoins | No |
| KYC | Yes |
| Active regions | Europe |
| Countries | France |
| Founders | Reda Kabbaj, Alexandre Pochon |
| Funding | €56M (€9M equity from Lakestar and Foundamental, up to €47M debt), Oct 2025 |
Verified links: official site ↗ · terms ↗ · privacy ↗
Common questions about FAKTUS
What is FAKTUS?
FAKTUS is a fiat neobank built for SMB & startups, headquartered in Paris, FR and founded in 2023. Your money is held custodially, so FAKTUS or its partner bank holds the balance and you hold a claim on it. It operates on a partner-bank model (Payment account via Swan (partner: Swan, licensed EMI); FAKTUS is an ORIAS-registered agent (23008083)).
Does FAKTUS have a card, and where can you use it?
It issues no card of its own. It is available in Europe.
Does FAKTUS require KYC?
Yes. FAKTUS requires identity verification (KYC) to open an account, as a partner-bank model.
Peers
Monzo · Wise · Starling Bank · Atom Bank · Zopa Bank · Chase UK
FAKTUS appears in
Neobanks running on someone else’s banking license (86) · Neobanks that require identity verification (349) · Neobanks available in Europe (151) · Neobanks for small businesses and startups (39) · Neobanks with no card of their own (74) · Neobanks in France (13)
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.