Livret P is a mobile‑first savings platform that pools user deposits into diversified French residential real‑estate and institutional real‑asset funds, offering a fixed interest rate of up to 6 % per year. The app automates recurring deposits, provides a return simulator and comparator against traditional accounts, and allows fee‑free withdrawals with 24‑48 hour notice, making higher‑yield real‑estate exposure accessible to retail savers and small businesses.
Funding
$2.2M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Traditional savings accounts such as the Livret A offer low, state‑regulated interest rates that barely keep pace with inflation, leaving savers with limited real returns. Access to higher‑yielding real‑estate investments typically requires large capital, expertise, and illiquid commitments, which most retail investors cannot meet.
Solution
Livret P provides a mobile‑first savings product that pools user deposits into French residential real‑estate and large institutional real‑asset funds, delivering a fixed interest rate of up to 6 % per year. The platform automates recurring deposits, offers an integrated return simulator, and includes a comparator tool that benchmarks the product against conventional accounts. Users can withdraw funds with 24‑48 hour notice, and the service supports multiple personal or professional profiles within a single app. By charging no entry or management fees and earning only the spread between asset returns and the interest paid to savers, Livret P aligns the cost structure with user earnings.
Target Audience
Retail savers and small businesses in France who seek higher, stable returns than traditional bank accounts, and who prefer a fully digital, low‑maintenance investment experience.
Features
- Investment of deposits in diversified French residential real‑estate and institutional real‑asset funds, eliminating the need for individual property selection
- Fixed, up‑to‑6 % annual interest calculated daily from the first day
- Automated recurring deposit scheduling (setup in under 2 minutes) and optional one‑off deposits
- Built‑in return simulator and side‑by‑side comparator against Livret A, other retail accounts, and SCPI products
- “Compte à terme” option to lock funds at a higher rate for a defined period, with early‑withdrawal penalty that halves the rate
- Multi‑profile management (individual, professional, minor accounts) within the same mobile application
- Free withdrawals up to €20 000 processed in 24‑48 hours; higher amounts subject to a €50 000 monthly limit