Younited Financial S.A. is a Luxembourg-based public limited liability company whose primary purpose is to hold shares in Younited S.A., a leading European fintech operating as a licensed credit institution supervised by the European Central Bank and the French ACPR. Younited S.A. provides innovative consumer credit solutions across France, Italy, Spain, and Portugal, specializing in instant credit decisions powered by artificial intelligence, open banking APIs, and advanced credit scoring algorithms. Its product offerings include unsecured personal loans up to 50,000 euros over 84 months, point-of-sale installment financing from 300 euros for online and in-store purchases, free financial coaching for budget management, and embedded insurance products for customer protection. The company serves individual consumers through direct channels, partnerships with merchants in telecommunications and electronics, and financial institutions, delivering seamless digital experiences with no hidden fees and full consumer safeguards. Younited Financial S.A., headquartered in Luxembourg, plays a key role in the fintech sector by enabling scalable, technology-driven lending that promotes transparent financial wellbeing for European households.