Building a fintech product in Europe used to mean either applying for your own payment institution licence — a process that takes years and requires significant regulatory expertise — or finding a bank willing to sponsor you, on terms that rarely favoured the startup. Treezor was founded in Paris in 2016 to offer a third option. Its Banking-as-a-Service platform provides fintechs and non-financial businesses with the regulatory infrastructure, technical APIs, and operational capabilities needed to embed financial services into their products without building from scratch. Its offer covers payment accounts, card issuing, KYC, and payments processing — the full stack of capabilities needed to launch a financial product, available through a single integration. Treezor was acquired by Société Générale in 2019, giving it the balance sheet and regulatory standing of one of France's largest banks while maintaining the agility of its API-first platform. That combination — startup speed with tier-one bank backing — is increasingly rare and genuinely valuable in a market where regulatory credibility is a hard-won asset. For the French fintech ecosystem, Treezor has been a foundational piece of infrastructure, enabling a generation of financial product builders to launch faster than would otherwise have been possible.