A new phase in 1POINT6 European development
Founded in 2023, 1POINT6 is a French fintech company formed through a collaboration between BNP Paribas and the startup studio 321. After obtaining its agent status for the provision of payment services and onboarding its first client in 2024, 1POINT6 has now become a subsidiary of the BNP Paribas Group. This major step follows the granting of its Electronic Money Institution (EMI) approval by the French Prudential Supervision and Resolution Authority (ACPR) in June 2025, a European green light permitting 1POINT6 to operate and provide services across the European Union.
By combining the strength of a major European banking group such as BNP Paribas with the agility of a fintech company, 1POINT6 aims to provide a robust, customisable alternative in a market dominated by standardised payment solutions offered by major global players. The company aims to become the leading fintech provider for marketplaces, offering them support in managing their payments.
As a leading European payments player, it is crucial for BNP Paribas to be able to offer solutions that adapt to new distribution and consumption models. 1POINT6 meets this requirement and will benefit from the commitment of our teams and the strength of the BNP Paribas integrated model, which will help it to grow even faster throughout Europe.
An agile, compliant and sovereign payment infrastructure
1POINT6 is leveraging its technological agility and team of experts to address the needs of those currently poorly served by the standardised payment infrastructures of industry giants, including marketplaces. This fintech company can adapt to the most complex cases and boasts stand-out features such as conformity, adaptability, modularity and sovereignty. It also brings together everything that marketplaces expect from a payment infrastructure.
1POINT6's technology is based on a modular architecture that meets all flow management needs while enabling agile responses to the specific requirements of stakeholders. 1POINT6 excels at understanding its clients’ unique challenges, tailoring its solutions to their real needs — something that standard market solutions fail to do. This model puts stakeholders in control of their financial flows while ensuring performance, compliance with regulations and ease of integration.
© Photo: Guillaume Massis, CEO and co-founder of 1POINT6, and Frédéric Minot, COO and co-founder of 1POINT6.
Did you know?
The name 1POINT6 refers to two key concepts:
- The number 1.6 evokes the golden ratio (more precisely 1.618), a symbol of balance and excellence in many areas. This reflects the precision and efficiency of the 1POINT6 technological solution, which meets the highest industry standards thanks to its unique API.
- The 6 key features offered by the platform: automated KYC (Know Your Customer) and KYB (Know Your Business) procedures, payment collection, account maintenance, fraud protection, disbursement and reporting.
Two new strategic partnerships
The fintech agent is already recognised as a trusted partner and supports April International, one of the European leaders in international health insurance. It helps with the management of complex acquisition flows and accounting reconciliation, guaranteeing performance and reliability.
Obtaining Electronic Money Institution (EMI) status and integration within BNP Paribas has enabled the development of two new strategic partnerships: one with the Carte Blanche Partenaires (CBP) healthcare network for the future management of third-party payment flows, and one with Fnac-Darty to support the implementation of an international third-party payment collection strategy.