A wallet, even a digital one, only contains data that is preloaded and largely static. Yet real‑life decisions — renting a flat, applying for a loan, enrolling a child at school — rely on dynamic, ever‑changing data: income, expenses, tax status, insurance coverage, or energy consumption.

The wallet was never designed to handle this complexity — and that’s normal. The real challenge is how it can be complemented, and who will organize trusted data circulation beyond the wallet.

These issues are explored in a recent opinion piece by Xavier Drilhon, President of MiTrust, published this week in the Journal du Net.

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This recognition confirms MiTrust’s role as a trusted third party for secure and compliant personal data sharing across Europe.

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In addition to simple registration, this label is awarded by Arcep after consultation with the CNIL and rigorous monitoring of compliance with the requirements of the Data Governance Act, particularly in terms of ✅ security, ✅ neutrality, ✅ transparency and ✅ respect for privacy.

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In today's digital landscape, verifying personal data is essential for various online transactions. Traditional credit bureau checks come with limitations and privacy concerns. This article highlights an alternative or additional approach: consent-based personal data sharing. This method empowers individuals to control their data 💪, enhancing privacy 🔒while improving verification efficiency and accuracy ✔️.

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Following the enactment of the French SREN law, MiTrust is now registered as a Data Intermediation Service Provider with French authority Arcep and in the associated European register.

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"MiTrust, which attracted the corporate fund of CNP Assurances, entering the capital in 2021, offers a solution for personal data sharing through open banking or connecting to a telecom operator or government service. Its promise: to position itself as a trustworthy third party and thereby facilitate the collection of data, particularly in the credit approval process....."

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Xavier DRILHON, President, and Martin COLOMB, Cofounder & CMO, share their vision and ambition for MiTrust in Challenges.

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This registration as AISP with the Banque de France / Autorité de contrôle prudentiel et de résolution allows European end users to securely filter and share their banking information; a testimony to MiTrust’s commitment towards privacy and security.

MiTrust is registered under the identification code 17368 (CIB), and therefore meets the requirements of this designation in terms of security, compliance, governance and insurance.