Defacto
Defacto is a European (EEA-based) fintech-infrastructure provider (Lending module). Verified at source - licence, regulator and registry reference. Active
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Who it's for
Defacto is built for products adding credit - financing, instalments or BNPL.
Sovereignty profile
- Data residency (EEA): Yes - hosted in the EEA - GDPR / CLOUD Act safe
- Company origin: EU core (France)
- Ownership / control: no change of control on record
What Defacto does
Verified licence profile
Defacto (France) - B2B lending fintech offering standard credit loans; the first such fintech licensed by the ACPR (Feb 2024). 17k+ businesses across FR/DE/ES/NL/BE.
Verified 2026-06-25. How we verify → · Official website: getdefacto.com · Spotted something out of date? Report a correction.
Timeline
- 2024-02 [licence] First fintech of its kind licensed by the ACPR
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FAQ
Is Defacto European / EEA-based?
Yes. Defacto hosts data in the EEA (GDPR / CLOUD Act safe); origin EU core, France.
What does Defacto do?
Defacto covers: Lending module. Verified at source by Fintechnologica.
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