InsurTech & FinTech newsletter - April 2026

Ledger

_Source : https://coinacademy.fr/actu/ledger-ia-roadmap-agents-autonome/_

2026 AI Roadmap & Chief Human Agency Officer (14 April) — Pascal Gauthier announces a dual strategic shift: Ian Rogers (former CXO) becomes Chief Human Agency Officer, and Ledger unveils its 2026 AI Roadmap. Goal: anchor the security of AI agents in physical hardware. 4 progressive building blocks: Device Management Kit (available, already integrated by MoonPay), Agent Identity (Q2 — verifiable on-chain identity), Agent Intents (Q3 — human approval on a trusted screen), and Agent Policies (Q4 — hardware governance rules). Ian Rogers summarises the threat in three words: prompt injection, autonomous execution, access to real resources.

🔗 CoinAcademy — Ledger AI Roadmap: https://coinacademy.fr/actu/ledger-ia-roadmap-agents-autonome/

🔗 LinkedIn Ledger: https://www.linkedin.com/company/ledgerhq

The CTO warns about the AI threat — $1.4bn in crypto losses in 2025 (5 April) — Exclusive interview with Charles Guillemet (CTO) on CoinDesk: "Finding vulnerabilities and exploiting them is becoming really easy. The cost falls to zero." AI industrialises phishing, generates malicious code in a few seconds and creates convincing audio/video deepfakes. Flagship exploit of the week: $285 million siphoned from the Drift protocol (Solana) by an AI attack. Guillemet recommends formal verification + hardware wallets as the only robust defences.

🔗 CoinDesk — Ledger CTO interview: https://www.coindesk.com/tech/2026/04/05/ai-is-making-crypto-s-security-problem-even-worse-ledg…

🔗 Edgen.tech (FR): https://www.edgen.tech/fr/news/post/ai-fuels-14-billion-in-crypto-losses-warns-ledger-cto

Fake Ledger Live app on the Apple App Store — $9.5 million stolen (7–13 April) — A fake Ledger Live application distributed on Apple's App Store caused $9.5 million in losses for more than 50 victims on Bitcoin, Ethereum, Solana, Tron and XRP. Funds traced to KuCoin addresses linked to the AudiA6 service (ZachXBT). Apple removed the app after it was reported. This incident illustrates the impossibility of relying on the App Store alone and confirms the value of the hardware signer: private keys should never have been entered in a third-party application.

🔗 CoinDesk — Fake Ledger App: https://www.coindesk.com/business/2026/04/14/a-fake-ledger-app-on-the-apple-app-store-just-drai…

NYSE IPO in sight — +$4bn valuation — Goldman Sachs, Jefferies and Barclays are mandated to prepare the IPO on the NYSE. Pascal Gauthier describes 2025 as a "record" year, with revenue in "the hundreds of millions of dollars". Ledger claims 8M+ devices sold in 200 countries, 20% of global crypto-assets secured and 27% of global stablecoin volume (~$100bn in Bitcoin according to the press). Favourable context: Trump's return favourable to crypto, BitGo already listed in January 2026 at $2.59bn. First European crypto unicorn aiming for Wall Street.

🔗 Maddyness — Ledger IPO: https://www.maddyness.com/2026/01/23/ledger-pourrait-debarquer-a-wall-street-des-2026-a-une-val…

🔗 Yahoo Finance / Cryptonews — IPO analysis: https://fr.finance.yahoo.com/actualites/ipo-ledger-2026-ambition-boursi%C3%A8re-140000930.html

BTC promotion — up to $100 offered (until 7 April) — Marketing operation: up to $100 in Bitcoin offered for any hardware wallet purchase via Ledger Shop (Stax $100, Flex $70, Nano Gen5 $40). Closes on 7 April 2026 at midnight PST.

🔗 Ledger Shop — Promo: https://shop.ledger.com/fr/pages/march-2026-added-value-promo

Nalo

_Source : https://www.linkedin.com/posts/jeanne-le-melinaire-12a968108_lia-peut-elle-vraiment-g%C3%A9rer-votre-argent-activity-7449343164878032896-BoIF?utm_source=share&utm_medium=member_desktop&rcm=ACoAAAAIHtkBtjLOoOGIogPh2Fto07GxubTliZo_

OpinionWay 2026 survey — the savings/investment divide persists (8 April) — 2nd wave of the annual Nalo x OpinionWay barometer (1,071 French people, 18+, March 2026). Key results: 81% interested in saving vs only 47% in financial investment (-2 pts). Only 36% consider themselves to have a good financial culture. 78% hold regulated savings accounts, versus only 17% in listed securities and 7% in crypto. Women and modest young households: the most vulnerable. New dominant information channel: press (55%), YouTube (46%), Facebook (42%).

🔗 Funds Magazine / AOF — Nalo survey (8 April): https://fundsmagazine.optionfinance.fr/linfo-asset-en-continu/detail/2026-04-08-sondage-nalo-un…

🔗 Boursorama — Nalo survey: https://www.boursorama.com/bourse/actualites/sondage-nalo-un-interet-toujours-mitige-des-franca…

AI is taking hold in young people's financial culture (17 April) — Complement to the barometer: 27% of French people — and 52% of under-35s — have already used AI to understand financial concepts. For Nalo, "the technological tool must in no way replace the human critical mind." A topic widely covered by the press: Breizh-info, Boursorama, OpinionWay published detailed analyses.

🔗 OpinionWay — Full report: https://www.opinion-way.com/fr/publications/les-francais-et-la-democratisation-de-la-culture-fi…

🔗 Boursorama — AI and finance (17 April): https://www.boursorama.com/bourse/actualites/sondage-nalo-plus-de-la-moitie-des-jeunes-utilisen…

Reminder of previous highlights (March 2026):

• Le Revenu Gold Trophy — Best tailored contract 2026 (Nalo Patrimoine)
• "Protected Savings" offering launched on 12 March 2026: 100% Netissima euro fund (Generali), bonus rate of up to 5% net of fees
• Sponsorship of surfer Jorgann Couzinet — Championship Tour 2026, target 2028 Olympics

🔗 Nalo LinkedIn: https://fr.linkedin.com/company/nalo

Mipise

_Source : https://www.mipise.com/fr/platform_blog_posts/Authentification-forte-securite-paiements_

CAP IT 2026 recap (17 March) and Q2 positioning — Present at the Palais des Congrès in Paris for CAP IT 2026 — a major gathering of Banking, Insurance and Finance professionals around digital transformation (AI, data, compliance, blockchain, payments). Guillaume Perinaud and Fatou-Laure Samb discussed financial flows, investment platforms and customer experience. Mipise positions itself as the leader in white-label crowdfunding platforms in France: €400 million in cumulative crowdfunding financial flows, ACPR authorisation via Mipise Payment Services (6,000 accounts opened, €60 million in flows in the first months).

🔗 Mipise — News blog: https://www.mipise.com/fr/platform_blog_posts

🔗 Mandalore March 2026 newsletter: https://www.mandalorepartners.com/newsletter/newsletter-du-mois-de-mars-2026-insurtech-et-finte…

Pledger

Supportive market context — savings-backed lending — Lombard loans in France are running between 2.5% and 4.5% in 2026. The ECB is expected to cut rates further (-0.5% to -1% by end-2026), making the arbitrage between locked-in savings and borrowing increasingly favourable to Pledger's model. The interview published on Finmag.fr positions Pledger as "the expert in savings-backed lending". Next step: extending eligible collateral towards PEA and securities accounts, significantly widening the addressable base.

🔗 Finmag.fr — Pledger interview: https://www.finmag.fr

🔗 LinkedIn Pledger: https://www.linkedin.com/company/pledger-fr/posts/?feedView=all

Iznes

Delubac Asset Management tokenises its money-market fund on IZNES (February 2026) — Delubac AM (a subsidiary of Banque Delubac & Cie, a pioneer in digital assets in France, MiCA-authorised) selected IZNES to tokenise its money-market fund on blockchain. The solution enables unit-holder register keeping and on-chain subscription/redemption management, with traceability, automation and shorter delays. Quote: "Tokenisation represents a structuring evolution for the asset management industry."

🔗 Banque Delubac — Press release: https://www.delubac.com/actualites/presse/delubac-asset-management-choisit-iznes-pour-la-tokeni…

Key figures & distinctions — IZNES exceeds €75 billion in cumulative transactions, including €6bn for Generali France (whose Director of unit-linked assets hails "a gain in time and security, in addition to significant savings"). The platform counts ~30 user asset management companies, including Rothschild & Co AM, LBO France, Sienna Investment Managers, La Française, Lazard Frères Gestion and Amundi.

🔗 IZNES — Future of Finance Awards 2025: https://iznes.io/2025/09/12/future-of-finance-awards-best-tokenised-fund-market-infrastructure-…

🔗 IZNES.io — Clients page: https://iznes.io