InsurTech & FinTech newsletter - January 2025

Ledger

1️⃣ BTC referral programme

Between 27 January and 3 February, Pledger launched a referral campaign allowing users to earn $30 in BTC and give $20 in BTC to a friend buying a Ledger Flex via a unique link. This initiative aimed to strengthen the adoption of self-custody in a fast-growing crypto market.

2️⃣ Solana staking with Ledger and Figment

Pledger highlighted the possibility of staking Solana (SOL) with Ledger by Figment, a validator recognised for its reliability. This partnership combines Ledger's security with Figment's expertise in node management, offering optimised yields with controlled risk.

3️⃣ Podcast episode on cybersecurity and digital life

In a context of growing cybercrime, Ledger organised a discussion with Ian Rogers (CXO), Pascal Gauthier (CEO) and Mo El-Sayed (Head of Brand Development). The episode explores the limits of current security solutions and how Ledger strengthens digital sovereignty.

4️⃣ Ledger Enterprise and digital asset management

Pledger highlighted Ledger Enterprise, adopted by large institutions to secure digital assets. A podcast with Sébastien Badault (EVP Revenue) detailed market trends, the Tradelink platform and the future of digital assets in 2025.

5️⃣ A decade of innovation and self-custody

Ledger celebrated 10 years of security and innovation, marked by more than 7 million devices sold and no recorded hack. Flagship products such as the Ledger Nano S (2016), the Nano X (2019) and the Ledger Stax/Flex (2024) have punctuated this trajectory. This retrospective underlined the company's commitment to user autonomy.

Nalo

1️⃣ Investing for a future property purchase

Nalo highlighted the benefits of long-term investing to finance a property project. The goal: grow your savings and better anticipate related costs (down payment, notary, works). With Nalo, investing is accessible and tailored to personal projects.

2️⃣ Democratising investment

Nalo recalled that investment is not reserved for elites. With a minimum of €500 and contributions from €50, anyone can diversify their savings and prepare their projects (property purchase, retirement, studies…).

3️⃣ Being single and finances: a challenge?

An analysis of the cost of living alone highlighted that single people can find it harder to build wealth, for lack of shared expenses. Solution: a solid financial strategy, such as the one offered by Nalo.

4️⃣ Nalo is moving!

The team celebrated the signing of the new offices, offering more space and light for the 40 employees. In parallel, 2024 closed with the launch of NaloFlex, a life insurance policy from €500.

5️⃣ Planning ahead for children's studies

With an average cost of €7,118 per year, financing higher education can be a challenge. Nalo illustrated the impact of regular contributions: €150/month for 15 years with a 5% return could result in savings of €40,763. A call to start planning today.

6️⃣ Saving: a challenge for 6 in 10 French people

According to a survey conducted with FLASHS, 60% of French people struggle to save. The full survey results are available online, reinforcing Nalo's mission to support everyone in their financial management.

Mon Petit Placement

1️⃣ Top 30 French Fintech Startups 2025 🇫🇷🚀

Mon Petit Placement ranks among the 30 most influential French fintech startups in 2025, alongside major players such as Qonto, Ledger and Swan. Recognition for its commitment to democratising investment and making savings accessible to all.

2️⃣ Podcast with Thomas Perret 🎙️

The founder of Mon Petit Placement was a guest on the podcast On Tisse La Toile, where he shared his journey, the importance of investment and the key role of a CEO. A compelling discussion to demystify finance and encourage the French to manage their savings better.

3️⃣ Understanding market volatility 📉📈

Volatility, or "financial roller coasters", is an integral part of investing. Mon Petit Placement advises keeping a long-term view and not giving in to short-term fluctuations.

4️⃣ Collaboration with La France Mutualiste 🤝

Thanks to this partnership, Mon Petit Placement offers competitive rates:

• 3.6% on the euro fund of the life insurance contract

• 4% for its individual retirement savings plan

A strategic alliance that strengthens its commitment to offering performing and accessible savings solutions.

5️⃣ Plan B: a safe alternative 🔄

With Plan B, Mon Petit Placement offers a stable and secure investment option, ideal for those who want to:

✅ Diversify their savings

✅ Complement their Livret A

✅ Invest without taking unnecessary risks

6️⃣ Cash Confidences podcast 🎙️: Idle money, untapped potential

Valentine Demaison, COO of Mon Petit Placement, recalled the importance of investing rather than letting money lose value because of inflation. Goal: grow your savings to achieve your projects.

7️⃣ New collaboration with Veepee 🚀

Mon Petit Placement is partnering with Veepee to make investment even more accessible. An opportunity for the platform's users to discover and adopt innovative savings solutions.