When the monetary compass goes haywire…
Under the rising swell of US real rates, a current of residual inflation in Europe, and geopolitical rifts on both sides of strategic straits, captains of fortune are scanning their horizons. On July 7, 2025, a Houthi attack reminded shipowners that the Bab el-Mandeb corridor remains trapped; three months earlier, the Chinese “Strait Thunder-2025A” exercise sealed off the East China Sea. In these uncertain waters, French debt now hovers at 106.1% of GDP (Q1 2025), and inflation, slight but persistent, stands at +0.9% year-on-year in June 2025—a ripple that can quickly turn into a groundswell.
In a world where debt is growing faster than growth, investors are seeking a safe haven; a jetty that won’t rust in the monetary storm. FINANCIÈRE DU NOGENTAIS takes to the stage and unveils its Livret OZ: a digital vault of paper gold available to discover at https://gestion.finance.
Finance Negotiate: the shipowner of assets
SAS with capital of €277,582,696.27 (increase on April 15, 2025) – NAF Code 64.20 Z – headquartered at 6, rue Victor-Hugo, 60500 Gouvieux. Under the leadership of Jean-Michel Soufflet, the company cultivates three cardinal principles: discretion, independence, and long-term vision.
“Our mission is not to follow trends: we anchor assets to the long term.” – J-M. Soufflet
OZ Savings Account: Frictionless Paper Gold
100% LBMA unallocated backing: your assets are cleared daily, but never locked in.
T+0 liquidity; no hidden spreads; choice of taxation: 11% TPMP or capital gains tax regime (exemption after 22 years).
Intergenerational shield: transferable, portable, resilient.
Zero logistics: no ingot, no vault – pure exposure, as fluid as an API flow.
Claire Lambert, Director of Wealth Engineering:
“The OZ Savings Account democratizes paper gold; it is no longer a relic but a dynamic stabilizer.”
Louise Street, Senior Analyst – World Gold Council:
“The 1,086 t purchased by central banks in 2024 confirms that sovereign demand will remain robust in 2025.”
???? “Data & Figures” INSERT
Indicator Value*
Open savings accounts (2023-25) 1,200+*
Actual average ticket size €25,000*
Average gold/asset weight 11.8%*
Ifop-Altaprofits 2024 study: two-thirds of French HNWIs see gold as a pillar of their wealth.
*Internal FDN data audited by Mazars, June 2025.
40 years of experience – focusing on innovation
1985-95: legal and inheritance expertise.
2000-10: multi-asset diversification; weathered the 2008 crisis without incident.
2011-20: secure digitalization; expatriate clientele.
2021-25: incubation and then launch of the OZ savings account; Open-banking API launched in Q3 2025.
Every decade brings a new sail; every storm brings a step forward.
Two use cases under the microscope
Franco-Lebanese family – €28 million in assets; €6 million paid into Livret OZ: 38% USD FX hedging and smoother cross-border transfer.
Norman agribusiness owner – €450k (2023) → €583k (mid-2025): “I protected my cash flow without sacrificing liquidity.”
Anonymized testimonials; consents archived – GDPR.
Security & Transparency: A Hermetic Double Bottom
Collateral checked daily by LBMA chambers; 100% Lloyd’s policy.
Semi-annual audit by Mazars Audit Patrimonial.
Real-time interface: valuation, orders, ESG reporting.
Tax component – gold and optimization
TPMP 11% or capital gains regime (linear allowance → exemption after 22 years).
Possible engineering: split donations, beneficiary clauses, Dutreil Pact.
They’ve cast off
Hugo Bompard, Finance-Heros reader:
“Subscribe to 100g of paper gold? Three clicks, transparent premium of 2.72%.”
François, Saver 3.0 community:
“+84% on the Amundi ETC, including +27.6% in 2025; the liquidity of paper gold makes the difference.” »
2026 Target – Innovation on the Radar
Open-banking API already available (Q3 2025)
Intergenerational simulator & AI alerts (Q1 2026)
Extra-financial reporting + geopolitical stress test before the end of 2026
CONCLUSION
OZ savings account: pillar of stability, digital gateway, rudder of transmission.
Anticipate, protect, transmit: this is the wealth compass of FINANCIÈRE DU NOGENTAIS.
Our experts await you for a personalized assessment.
PRACTICAL INFORMATION
6 rue Victor-Hugo, 60500 Gouvieux
Tel. +33 (0)3 65 96 09 76
contact@gestion.finance
https://gestion.finance
References: INSEE, World Gold Council, Reuters, Ifop-Altaprofits.
The “paper gold” nature implies zero physical delivery: 100% financial exposure via unallocated LBMA accounts (see BullionVault & PhysicalGold guides).
