The autonomous fintech was created thanks to the partnership between BNP Paribas and the 321founded Corporate Startup Studio to develop an innovative, secure solution.

Co-founded by the entrepreneurial team at 321founded and BNP Paribas, Panto offers a marketplaces with a dedicated payment management solution. The fintech is aiming for rapid penetration of the European payments market, and intends to position itself as a made-in-Europe alternative. Guillaume Massis (ex Intuit, co-founder of Airtag) takes over the management of the startup.

” With Panto, we want to contribute to the creation of a leading player in marketplaces and, more generally, in the platformization of commerce. For its launch, Panto can count on the strength of BNP Paribas, present across the entire payment value chain and Europe’sNo. 1 corporate bank. I’m convinced that the team, led by Guillaume Massis, will succeed in positioning Panto as one of the leading payment players for marketplaces, thanks to its market-leading offering ,”

says Neil Pein, Head of Payments Transformation and New Digital Businesses, BNP Paribas Group.‍

“Right from the start, we’ve set ourselves the highest industry standards in terms of integration, functionality and technology, at a competitive price,”

explains Guillaume Massis, CEO of Panto.

‍Initially, Panto is targeting European BtoC e-commerce players, in particular the leading marketplaces that are BNP Paribas customers. At a later stage, the fintech could extend to the European BtoB and CtoC markets, with international sellers.

“Our aim is to become one of Europe’s leading marketplace payment solutions. Although there is a lot of competition in this market, it remains vast and continues to grow,”

continues Guillaume Massis.

Panto is scheduled for launch in the first half of 2024. Until payment institution approval is obtained, the fintech will operate as an agent of BNP Paribas.