How Monnaie de Paris, France's oldest institution, launched a unique online gold offer in 9 months

About Monnaie de Paris

Monnaie de Paris is one of France's oldest and most emblematic public institutions, with a history stretching back over a thousand years. Beyond minting euro coins for France and collector coins for domestic and international market, it operates as a cultural venue, a museum, and a center of expertise in precious metals.

Embarking in a strategic diversification journey in a context of changing savings behaviors, a decrease in cash circulation and a growing appetite for tangible assets, the Monnaie de Paris has set out to modernize its offering, making gold investment accessible to a new generation of savers and thus unlocking a new stream of revenues not tapped before.

The Business Challenge

Unlocking a new revenue stream for Monnaie de Paris, the institution has launched the e-Marianne-Or. an online gold investment offer with seamless buying & holding experience. The ambition was clear: attract a new generation of savers used to managing their finances from a smartphone, while competing with well-established international bullion products such as the Krugerrand or the Maple Leaf.

Three core challenges shaped the project:

• Deploying, securely and on schedule, a next-generation solution that could handle the specific requirements of a bullion offer, from asset custody to regulatory compliance.

• Enabling customers to buy and hold gold without physical storage constraints, through an online vault experience built on a solid technical foundation.

• Meeting the highest standards of an investment product, without compromising on the speed and simplicity expected by modern users.

Why Skaleet

Skaleet was selected for its ability to combine agility, robustness, and openness. As a cloud-native, API-first core banking platform, Skaleet offered the Monnaie de Paris a solid, proven and flexible backbone that could be configured to meet the specific needs of a bullion offer without adding extra complexity to the overall project.

Three factors were decisive in the selection:

• Agility: the ability to deliver a custom-built online vault module and adapt quickly when new functional requirements emerged during the project.

• Robustness: a secure, reliable infrastructure with built-in safeguards to prevent duplicate operations, critical when handling financial assets.

• Openness: an API-first architecture that made it straightforward to integrate with specialized third-party providers for identity verification, AML monitoring (Polycea, acting as main integrator), and customer experience. 

The Skaleet Solution

Skaleet's role is critical. Rather than being the customer-facing application, Skaleet operates as the invisible backbone behind the Monnaie de Paris' online bullion platform, taking ownership of its two most sensitive components: e-Marianne Or custody.

1. The e-Marianne online vault

At the heart of the offer is the Marianne Or, the first French gold bullion coin struck in France in a century, and its online counterpart, the e-Marianne. Each investor opens a personal, secured online vault where they can buy, hold, and sell e-Mariannes. Each online coin is stored by the Monnaie de Paris and registered as a uniquely identified asset, traceable by metal, size, vintage, and serial number throughout its lifecycle.

2. Compliance orchestration (KYC / AML-CFT)

Leveraging its API-first architecture, Skaleet seamlessly integrates and triggers the required checks at the appropriate stages of the customer journey, ensuring regulatory requirements are met while minimizing operational complexity for the Monnaie de Paris. 

3. A reliable platform, live on time

The platform was designed with strict authorization controls on every transaction, and a built-in mechanism to prevent any operation from being recorded twice, even in the event of a network failure. This level of reliability is non-negotiable when managing sensitive financial assets.

The vault module was delivered and operational in production since June 2026. When a specific feature requirement emerged mid-project, Skaleet deployed it rapidly, without disrupting the overall timeline, thanks to its highly configurable platform.

Results and Impact

For the Marianne Or offer, Monnaie de Paris benefits from a modern, compliant, and scalable online platform

The launch of the Marianne Or and the e-Marianne marks the first institutional offer in France to combine physical and online gold investment in a single seamless experience, complementing the Monnaie de Paris' existing product portfolio.

• First institutional gold offer in France to combine physical and online in a single platform.

• Online vault module delivered on time, without compromise on security or reliability.

• A new revenue stream for the Monnaie de Paris, reaching a broader base of retail investors.

What drove success

Delivering an investment product asset platform in 9 months, from scratch, required the right combination of technology and execution mindset. Several factors were decisive:

• A modular, API-first architecture that allowed fast integration of best-in-class third-party providers for KYC, AML-CFT, and front-end experience.

• A purpose-built vault module, developed on Skaleet's platform specifically for the e-Marianne use case, with full asset traceability built in.

• A proactive, hands-on approach from Skaleet's teams, embedded in the project and responsive when requirements evolved.

• A compliance-first design that removed friction around regulatory requirements, allowing the team to focus on product experience.

• An ecosytem of partners and integrators able to build a unique and seamless solution in record time.

Results and Impact

For the Marianne Or offer, Monnaie de Paris benefits from a modern, compliant, and scalable online platform

The launch of the Marianne Or and the e-Marianne marks the first institutional offer in France to combine physical and online gold investment in a single seamless experience, complementing the Monnaie de Paris' existing product portfolio.

• First institutional gold offer in France to combine physical and online in a single platform.

• Online vault module delivered on time, without compromise on security or reliability.

• A new revenue stream for the Monnaie de Paris, reaching a broader base of retail investors.

What drove success

Delivering an investment product asset platform in 9 months, from scratch, required the right combination of technology and execution mindset. Several factors were decisive:

• A modular, API-first architecture that allowed fast integration of best-in-class third-party providers for KYC, AML-CFT, and front-end experience.

• A purpose-built vault module, developed on Skaleet's platform specifically for the e-Marianne use case, with full asset traceability built in.

• A proactive, hands-on approach from Skaleet's teams, embedded in the project and responsive when requirements evolved.

• A compliance-first design that removed friction around regulatory requirements, allowing the team to focus on product experience.

• An ecosytem of partners and integrators able to build a unique and seamless solution in record time.