{"id":17164,"date":"2026-02-20T16:28:23","date_gmt":"2026-02-20T15:28:23","guid":{"rendered":"https:\/\/www.experts-du-patrimoine.fr\/definitions\/miobsp-agent-of-an-intermediary-in-banking-operations-and-payment-services\/"},"modified":"2026-08-08T10:16:56","modified_gmt":"2026-08-08T09:16:56","slug":"miobsp-agent-of-an-intermediary-in-banking-operations-and-payment-services","status":"publish","type":"lexique","link":"https:\/\/www.experts-du-patrimoine.fr\/en\/glossary\/miobsp-agent-of-an-intermediary-in-banking-operations-and-payment-services\/","title":{"rendered":"MIOBSP (Agent of an Intermediary in Banking Operations and Payment Services)"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">In the field of wealth management, this status is regularly used by wealth advisors or business introducers wishing to support their clients on financing issues without directly holding the status of independent broker.<\/p>\n\n<p class=\"wp-block-paragraph\">The MIOBSP is one of the regulated categories registered with <a href=\"https:\/\/www.experts-du-patrimoine.fr\/en\/lexicon\/orias\/\" type=\"lexique\" id=\"3131\">ORIAS<\/a>.<\/p>\n\n<h2 class=\"wp-block-heading\">What is the role of a MIOBSP in wealth management?<\/h2>\n\n<p class=\"wp-block-paragraph\">In wealth management, the MIOBSP primarily intervenes on financing-related matters.<\/p>\n\n<p class=\"wp-block-paragraph\">They can support clients for:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>a mortgage;<\/li>\n\n\n\n<li>a rental investment;<\/li>\n\n\n\n<li>SCPI financing;<\/li>\n\n\n\n<li>a wealth loan;<\/li>\n\n\n\n<li>debt consolidation;<\/li>\n\n\n\n<li>professional financing;<\/li>\n\n\n\n<li>cash flow solutions.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">The MIOBSP generally analyzes the client&#8217;s project and directs them toward solutions offered by the principal intermediary for whom they act.<\/p>\n\n<p class=\"wp-block-paragraph\">In certain wealth strategies, financing constitutes an important lever for optimizing the building or development of wealth through the leverage effect of credit.<\/p>\n\n<section class=\"edp-key-figures\">\n\n\t<h2 class=\"edp-key-figures__title\">\n The MIOBSP in a few figures\n\t<\/h2>\n\n\t<p class=\"edp-key-figures__content\">\n The Agent of an Intermediary in Banking Operations and Payment Services (MIOBSP) carries out their activity on behalf of a credit broker or another intermediary in banking operations. As of <strong>December 31, 2024<\/strong>, ORIAS recorded <strong>13,948 MIOBSPs<\/strong> registered in France. Among them, <strong>64%<\/strong> operate as individuals and <strong>36%<\/strong> as legal entities. The <strong>average registration duration<\/strong> is <strong>4 years and 3 months<\/strong>. MIOBSPs primarily work in <strong>mortgage lending (34%)<\/strong>, ahead of mixed activities in consumer credit, payment services, and debt consolidation (<strong>12%<\/strong>). Registration with ORIAS is mandatory to practice this regulated profession.      \n\t<\/p>\n\n\t<div class=\"edp-key-figures__sources\">\n\n\t\t <span class=\"edp-key-figures__sources-label\">\n Sources:\n\t\t<\/span>\n\n\t\t<a class=\"edp-key-figures__source\" href=\"https:\/\/www.orias.fr\/static\/communications\/rapports\/Rapport_annuel_2024.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">\n ORIAS 2024 Annual Report\n\t\t<\/a>\n\n\t\t<a class=\"edp-key-figures__source\" href=\"https:\/\/pro.orias.fr\/\" target=\"_blank\" rel=\"noopener noreferrer\">\n ORIAS\n\t\t<\/a>\n\n\t<\/div>\n\n<\/section>\n\n<h2 class=\"wp-block-heading\">What is the difference between MIOBSP and COBSP?<\/h2>\n\n<p class=\"wp-block-paragraph\">The main difference concerns the level of independence.<\/p>\n\n<p class=\"wp-block-paragraph\">The <a href=\"https:\/\/www.experts-du-patrimoine.fr\/en\/lexicon\/cobsp-broker-in-banking-transactions-and-payment-services\/\" type=\"lexique\" id=\"11690\">COBSP<\/a> (Broker in Banking Operations and Payment Services) generally acts independently and works with several banking institutions.<\/p>\n\n<p class=\"wp-block-paragraph\">The MIOBSP, on the other hand, acts on behalf of a principal intermediary to whom they are attached.<\/p>\n\n<p class=\"wp-block-paragraph\">In the wealth sector, some professionals start under the MIOBSP status before obtaining their own broker registration.<\/p>\n\n<p class=\"wp-block-paragraph\">The MIOBSP therefore has a more supervised framework of intervention than that of an independent broker.<\/p>\n\n<h2 class=\"wp-block-heading\">Why is the MIOBSP status common among CGPs?<\/h2>\n\n<p class=\"wp-block-paragraph\">In the field of wealth management, financing issues are omnipresent.<\/p>\n\n<p class=\"wp-block-paragraph\">Wealth advisors often use the MIOBSP status in order to support their clients on matters such as:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>real estate investment;<\/li>\n\n\n\n<li>wealth credit;<\/li>\n\n\n\n<li>leverage effect;<\/li>\n\n\n\n<li>SCPI financing;<\/li>\n\n\n\n<li>cash flow optimization;<\/li>\n\n\n\n<li>wealth restructuring.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">This status allows financing to be integrated into a comprehensive wealth strategy without necessarily creating an independent banking brokerage structure.<\/p>\n\n<p class=\"wp-block-paragraph\">Many <a href=\"https:\/\/www.experts-du-patrimoine.fr\/en\/categorie\/wealth-management-adviser-cgp\/\">CGPs<\/a> thus combine several regulatory statuses:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.experts-du-patrimoine.fr\/en\/lexicon\/cif\/\" type=\"lexique\" id=\"3132\">CIF<\/a>;<\/li>\n\n\n\n<li><a href=\"https:\/\/www.experts-du-patrimoine.fr\/definitions\/8801\/\" type=\"lexique\" id=\"8801\">IAS<\/a>;<\/li>\n\n\n\n<li><a href=\"https:\/\/www.experts-du-patrimoine.fr\/en\/lexicon\/miobsp-agent-of-an-intermediary-in-banking-operations-and-payment-services\/\" type=\"lexique\" id=\"8805\">MIOBSP<\/a>;<\/li>\n\n\n\n<li><a href=\"https:\/\/www.experts-du-patrimoine.fr\/en\/categorie\/real-estate\/\">real estate intermediary<\/a>.<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\">Must the MIOBSP be registered with ORIAS?<\/h2>\n\n<p class=\"wp-block-paragraph\">Yes. Like all intermediaries in banking operations, the MIOBSP must be registered with ORIAS. <\/p>\n\n<p class=\"wp-block-paragraph\">This registration makes it possible to verify:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>the regulatory status;<\/li>\n\n\n\n<li>the validity of the activity;<\/li>\n\n\n\n<li>the identity of the principal;<\/li>\n\n\n\n<li>certain professional guarantees;<\/li>\n\n\n\n<li>administrative compliance.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">Before any major financing transaction, it is recommended to verify the professional&#8217;s ORIAS registration.<\/p>\n\n<h2 class=\"wp-block-heading\">What regulation governs MIOBSPs?<\/h2>\n\n<p class=\"wp-block-paragraph\">MIOBSPs are governed by the Monetary and Financial Code.<\/p>\n\n<p class=\"wp-block-paragraph\">They must in particular:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>comply with disclosure obligations;<\/li>\n\n\n\n<li>clearly present their role;<\/li>\n\n\n\n<li>act within the framework of the mandate entrusted;<\/li>\n\n\n\n<li>comply with borrower protection rules;<\/li>\n\n\n\n<li>provide transparent information about their compensation.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">In the context of <a href=\"https:\/\/www.experts-du-patrimoine.fr\/gestion-de-patrimoine\/\">a wealth strategy<\/a>, these obligations are important because financing transactions can have significant consequences on clients&#8217; wealth and borrowing capacity.<\/p>\n\n<h2 class=\"wp-block-heading\">Why use a MIOBSP?<\/h2>\n\n<p class=\"wp-block-paragraph\">Using a MIOBSP can provide support in finding financing solutions suited to a wealth project.<\/p>\n\n<p class=\"wp-block-paragraph\">In particular, the professional can help to:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>structure real estate financing;<\/li>\n\n\n\n<li>study the feasibility of a project;<\/li>\n\n\n\n<li>integrate credit into a wealth strategy;<\/li>\n\n\n\n<li>optimize the leverage effect;<\/li>\n\n\n\n<li>simplify certain administrative procedures.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">Since the use of financing is often strategic in wealth management, <a href=\"https:\/\/www.experts-du-patrimoine.fr\/societes\/\">the support of a professional<\/a> can provide real added value.<\/p>\n\n<h1 class=\"wp-block-heading\">FAQ<\/h1>\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1779555799062\"><strong class=\"schema-faq-question\">What is a MIOBSP?<\/strong> <p class=\"schema-faq-answer\">The MIOBSP is an Agent of an Intermediary in Banking Operations and Payment Services. They act on behalf of an authorized banking intermediary. <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779555891412\"><strong class=\"schema-faq-question\">What is the difference between MIOBSP and COBSP?<\/strong> <p class=\"schema-faq-answer\">The COBSP is generally independent. The MIOBSP acts under the responsibility of a principal intermediary. <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779555906613\"><strong class=\"schema-faq-question\">Can the MIOBSP support a mortgage loan?<\/strong> <p class=\"schema-faq-answer\">Yes. They can intervene on real estate, wealth, or professional financing depending on the framework of their mandate. <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779555919311\"><strong class=\"schema-faq-question\">Why is this status common among CGPs?<\/strong> <p class=\"schema-faq-answer\">Because financing is an integral part of many wealth management strategies, particularly in real estate.<\/p> <\/div> <\/div>\n","protected":false},"excerpt":{"rendered":"<p>The MIOBSP, or Agent of an Intermediary in Banking Operations and Payment Services, is a professional who carries out banking intermediation activities on behalf of another authorized intermediary.<\/p>\n","protected":false},"featured_media":17165,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categorie_lexique":[1400,1399],"class_list":["post-17164","lexique","type-lexique","status-publish","format-standard","has-post-thumbnail","hentry","categorie_lexique-regulation","categorie_lexique-statuses-regimes-and-stakeholders"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>MIOBSP: definition and role of the banking intermediary agent<\/title>\n<meta name=\"description\" content=\"Discover what a MIOBSP is, its role in financing and wealth management, as well as its regulatory obligations.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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