2026 Shareholder Letter

Dear investors, customers and friends,

2025 was a landmark year for Finary. We crossed 850,000 users, raised the largest fintech Series B in Europe at €25M, and now manage €200M in assets. Our YouTube channel grew to 725,000 subscribers, and my book became the best-selling personal finance book in France with 75,000 copies sold.

But numbers only tell part of the story.

When we started Finary in 2020, we had one belief: money is broken. It’s complicated, stressful, and feels like it controls people — not the other way around.

Our mission has always been to flip that dynamic. To build a world where money works for you.

In 2025, we made real progress toward that vision — by solving the problems our customers actually faced.

What we built in 2025

At Finary, our most important value is “Be the Customer”. We build things they want, and talk to them every day to understand their needs and pains.

Customers told us syncs weren’t reliable enough. We largely fixed them by putting our largest squad on the topic. Linxea, Interactive Brokers, Mon Petit Placement, Goodvest — one by one, we restored broken connections and added real-time status indicators so you always know if your data is current. We also enabled new integrations like LaPremièreBrique and added a way to report data issues directly, because we can’t fix what we don’t know about. Read on to discover what we have in store to make synch issues a problem of the past.

Customers told us budgeting was tedious. We redesigned it. Categorizing transactions now takes one click. You can edit multiple transactions at once. We detect internal transfers automatically so they don’t pollute your spending analysis. And you can now visualize your money on a beautiful sankey chart all the way down to the subcategory as well as set custom time periods — align with your payday, not the calendar.

Customers told us they wanted to invest through Finary. We delivered. Finary Life launched with fees at 0.99% — below the 1.29% market average. We added a crypto savings plan for those who want to invest regularly without timing the market. And we gave Finary Life its own dedicated page so you can track everything in one place.

Customers told us privacy mattered. Security has always been our priority, and we continued to heavily invest in it. New device verification, Travel Rule for crypto, verified email checkmarks to fight phishing. Not glamorous, but essential.

Customers told us they wanted expert guidance. We built it. Finary One grew from a one-man show to a full team of Wealth Advisors, Financial Engineers, and Operations Specialists. Together, they collected north of €50 million in assets under management — proof that people are ready to trust us with their wealth.

Customers told us they wanted fast answers. We delivered. We tripled our care team and invested heavily in AI tooling. Today, 60% of requests are addressed instantly by our AI, and all invest operations are handled on average in under one hour. We also rolled out a new way to track issue resolution on our community. When you trust us with your money, you deserve to be heard.

Educating millions

2025 was a turbulent year. Political instability in France, shifting governments, trade wars, and volatile markets left many people anxious about their financial future. In times of uncertainty, people seek clarity — and millions turned to Finary.

YouTube wasn’t just a marketing channel — it became a movement. We grew from 300,000 to 725,000 subscribers, with 20 million views in January alone. My book sold 75,000 copies, making it the best-selling personal finance book since its release.

But the real impact isn’t in the numbers. It’s in the behavior change. France is now the number one country for ETF growth among retail investors with +117% in 2025, according to BlackRock. 4 million investors will own ETF’s by the end of 2026. That’s what we set out to do.

The numbers

When you solve real problems, people trust you with more of their financial lives. That trust showed up in our metrics:

We also raised the largest Series B for any fintech in Europe with €25M. This new funding and firepower will fuel our mission even further.

Building for the long term

We would have liked to move faster on some fronts. But when you handle people’s money, regulation isn’t optional — it’s a must-have. Getting licenses, meeting compliance requirements, working with partners who share our standards: these things take time. We accept that tradeoff because your trust is non-negotiable.

We also made a deliberate choice to invest in our team: we grew from 45 to 70 talents, reshuffled our org to be closer to our customers and we adopted AI across every team — from engineering to customer support to content. We also acquired Affluent — bringing in world-class talent and the intellectual property we need to solve synchronization issues once and for all.

This acquisition is a game-changer. We’re building an anti-fragile event system — a new architecture that works even when bank connections break down. You’ll be able to add, edit, and correct transactions manually, while still benefiting from automatic syncs when they work. No more staring at broken connections. No more incomplete data. Your wealth overview will finally be accurate, reliable, and fully under your control.

Sync issues have been our users’ biggest frustration. In 2026, they become a problem of the past.

What’s next

We’re building what we always intended: a one-stop-shop for money.

Clarity — a complete overview of your wealth. In Q1 2026, we’re laying the foundation for a system that doesn’t depend on perfect syncs. That unlocks asset class views, wealth history, contribution vs. performance breakdowns, and real metrics like IRR and CAGR.

Guidance — your financial companion, powered by AI. We’re building an AI agent that accompanies you on your financial journey, helping you understand what to do next. He’ll help you keep more of what you earn, and put that money to work towards your objectives.

Action — our own investment products. We will ship a self-directed contract for Finary Life. We will also launch our CTO, as well as a much anticipated PEA.

We’re hiring across the board to make this happen. If you want to help us give power back to savers, check our open roles.

This isn’t just fintech. We’re setting giving power back to savers.

Thank you for being part of it.