Perspecteev SAS, operating as Bridge, is a leading European Open Banking platform. As the first entity in Europe to receive PSD2 approval from the French ACPR, Bridge provides secure AISP and PISP services to over 200 B2B clients, including major banks and ERPs. R42 issues a Low Risk signal.

R42 Risk Signal

• Traffic Light: 🟢 Low Risk

• Confidence Grade: Confirmed (ACPR Registry #16918)

• Rationale: Bridge is a pioneer in regulated Open Banking. It maintains high transparency, is audited by the ACPR, and is backed by Tier-1 financial institutions like Groupe BPCE.

Key Data

What the Company Does

Bridge is an Infrastructure Provider. It allows businesses to connect directly to their customers’ bank accounts for two purposes:

1. Payments: Initiating SEPA Instant transfers without a credit card.

2. Data: Retrieving and categorizing transaction data for accounting or credit scoring. It operates as a transparent middle-layer for legitimate financial operations.

Regulatory & Legal Framework

• Regulator: ACPR (Banque de France).

• PSD2/PSD3 Compliance: Fully compliant; pioneered the API standards for secure banking access in France.

• Consumer Protection: Operates under strict GDPR and European banking secrecy laws. Unlike “shadow rails,” Bridge requires explicit, time-bound consent from the end-user for every transaction.

Ownership, Founders, Executives

• Founders: Led by Joan Burkovic.

• Institutional Backing: Raised €20M in Series A (2022/2023) from Truffle Capital and Groupe BPCE (France’s 2nd largest banking group).

• Transparency: High. Executive team is public and frequently engages with regulators and the Fintech community.

Corporate Structure & Related Entities

• Bankin’: The B2C arm of the business (budgeting app) was partially spun off to focus exclusively on B2B API services.

• Partners: Deep integrations with Groupe BPCE entities (PayPlug, Xpollens).

Products, Integrations & Technical Footprint

Bridge provides a standardized REST API. Their technical footprint is characterized by high security (OAuth2, MTLS) and direct bank API connections, avoiding the “screen scraping” techniques used by lower-quality or unverified providers.

Merchant / Customer Footprint

Blue-chip customer base including Payfit, Cdiscount, Sage, Cegid, and Experian. The customer base is strictly B2B and subject to rigorous KYB (Know Your Business) onboarding.

Complaints, Allegations, Enforcement, Litigation

• Public Record: No regulatory warnings, fines, or enforcement actions found.

• Litigation: Standard commercial activities; no patterns of consumer fraud or facilitation of illegal gambling identified.

Risk Factors & Red Flags

• Regulatory Risk: Negligible (Highly compliant).

• AML/CFT Risk: Low (Strict onboarding protocols).

• Operational Risk: Managed via institutional-grade uptime and security audits.

Merchant Due-Diligence Checklist

• [x] Verify ACPR License #16918 on REGAFI.

• [x] Confirm GDPR compliance and Data Processing Agreement (DPA).

• [x] Review Service Level Agreements (SLA) for API uptime.

• [x] Validate bank connectivity coverage (Bridge covers 200+ European institutions).

vidence Box (References)

• Official REGAFI License Entry

• BPCE Newsroom: Series A Investment Announcement

• Bridge API Terms of Service (May 2025)

Update Log (Evergreen)

• 2026-02-01: Initial R42 Profile published. Risk rating set to Low (Green).

• 2023-07-07: Historical Note: €20M Series A closed with BPCE & Truffle.

Call for Information (Whistle42)

As a benchmark provider, we monitor Bridge for any deviations from their high compliance standards. If you have technical data or onboarding experiences to share, visit Whistle42.com.