Before the doctrine and the acronyms — the idea in four simple questions.
Civil-Fi lets several people own a real asset together — a house, an estate, a solar plant — in a fully lawful way, without turning that asset into a financial product.
Today, co-owning an asset forces you into either a heavy regulated financial structure or fragile arrangements. Civil-Fi relies on a tool already present in the French Civil Code since 2007 — but that nobody had made simple, safe, and repeatable at scale.
The asset is legally separated and protected. Each project is audited and labelled by an independent committee. And everything is publicly verifiable in a registry — the way you'd verify a diploma or a licence plate.
A concrete example currently being deployed: around fifty people are about to jointly own a villa in the Ain region of France. Each holds a registered civil right over the project — a right of belonging, use, and monitoring — not a share, not a yield stake, not a financial investment. See the case →
Think of Civil-Fi like an AOC label or an ISO standard: a public, verifiable standard that says what is compliant — applied here to the shared ownership of a real asset.
Lawyer's version — the normative architecture →A standard is not measured in performance. It is measured in doctrinal clarity, use-case coverage, and terminological precision.
An institutional standard is not just a document. Civil-Fi is organised in five stacked normative layers — each with its text, its organ, its signed act, its publication. No layer is optional.
Civil-Fi creates no new rights. It activates an existing French civil institution from 2007: the fiducie codified in articles 2011 et seq. of the Civil Code, established by law n°2007-211 of 19 February 2007.
The operation transfers assets to a fiduciary who holds them separate from his own estate for the benefit of named beneficiaries. It is opposable erga omnes, without needing to be qualified as a financial product.
PAFC® — Civil-Fi's fiduciary architecture protocol, the first published protocol of the standard. It describes the FAC-Mère / FAC-Fille structure, the inter-compartment sealing mechanism defined by the Doctrine, the technical specification of civil oracles, and the named civil rights — foremost among them the Adherent Beneficiary Right (DBA), the other categories being defined by the Doctrine.
The v4.0 doctrine — 280 pages, addenda F1-F6 / D1-D6 / E1-E6 — is the operational reference text. Versioned, dated, Soleau-deposited (4 deposits), opposable.
The Civil-Fi PAFC® Institute publishes the standard, versions it, amends it. It rests on three distinct organs: the Academy (CCA, training and accreditation), the Surveillance Committee (CCS, collegial jurisdiction), the Central Fiduciary Registry (RFC, timestamped publication).
INPI trademarks filed on 03.18.2026 (n°5238667, classes 35, 36, 42, 45). OJP signed by AARPI Fiducie Legal.
The Civil Conformity Opinion is affixed by the Surveillance Committee after collegial audit on 12 criteria (PAFC Conformity Score). Deliberation by minimum 5 certified practitioners, reasoned decision, registration in the Registry.
Renewable every 24 months upon audit, revocable in case of established breach. It is the civil equivalent of an AFNOR visa — an institutional label, not a financial approval.
The Central Fiduciary Registry publicly indexes every certified practitioner, every licensed firm, every labelled project, every affixed seal. Verifiable in open access, timestamped, signed.
The RFC is to the standard what the kernel is to an operating system: the layer everyone uses and nobody rewrites. Each PAFC operation leaves an imprint verifiable by anyone.
From a tangible asset to a community of members sharing its performance — here is how a PAFC project comes to life under the standard.
Un immeuble, une exploitation agricole, un EHPAD, un domaine viticole. The standard part toujours d'un bien tangible.
The asset is transferred into a dedicated, impermeable fiduciary estate — opposable, traced, supervised.
The project receives its normative identifier, its timestamp, and the Committee's opinion. Publicly verifiable at any time.
Members receive non-proprietary civil rights — not financial shares. No speculative market.
Civil-Fi PAFC® is not a public service. It is a deployable norm for institutional firms — banks, law firms, notary offices, asset managers — that obtain a usage license after training and audit. Four verticals where the standard unlocks operations currently prevented by the absence of civil infrastructure.
Each year, a major European bank watches its domestic Muslim savings flow to London, Luxembourg or Dubai, lacking a French civil wrapper to offer a domestic Sharia retail product. With Civil-Fi PAFC®, the bank deploys the standard and structures its Sharia products in native French fiducie — without interest, without speculative financial instrument, certifiable with a recognised body.
A notary office handles several hundred UHNW transmission files per year. On complex cases — heirs exposed to creditors, blended families, international estates — SCI / dismemberment / holding structures saturate. With Civil-Fi PAFC®, the office becomes licensed and structures a multi-asset native fiducie combining impermeability, tripolar governance, and conditional attribution of civil rights.
A specialised law firm supports about a hundred collective self-consumption projects annually. Dedicated SAS and cooperative SCIC structures are slow (6 to 9 months) and cause losses of Ademe subsidy windows. With Civil-Fi PAFC®, the firm deploys a native fiducie in 6 to 8 weeks — heterogeneous contributors (residents, community, local authorities, financiers) receiving differentiated civil rights.
An institutional fund wants to provide partial liquidity to its LPs on intermediate assets. MiCA and MiFID make classical tokenisation inoperable below a certain threshold. With Civil-Fi PAFC®, the fund structures its assets as native fiducies and issues non-transferable evidentiary tokens — imprints registered, outside crypto-asset and security qualification.
« La fiducie est l'opération par laquelle un ou plusieurs constituants transfèrent des biens, des droits ou des sûretés, ou un ensemble de biens, de droits ou de sûretés, présents ou futurs, à un ou plusieurs fiduciaires qui, les tenant séparés de leur patrimoine propre, agissent dans un but déterminé au profit d'un ou plusieurs bénéficiaires. »
The CCA — Civil-Fi Academy Council — accredits the lawyers, notaries, accountants, and family officers who accompany a PAFC project. Two professional qualifications, two levels of expertise.
Authorisation to advise, structure, and operate a FAC-Fille in an open vertical. Full access to PAFC v4.0 doctrine and standard templates.
Practitioner certified for Sharia-compatible operations. Qualified to structure a fiducie in civil Islamic finance, validate riba/gharar conformity, and sit as rapporteur on the Islamic vertical.
Online program · 40h · PAFC doctrine, fiduciary mechanisms, compliance.
Written exam supervised by the CCA. Practical cases on the 4 open verticals.
Registration in the RFC registry. Medallion awarded. Ethical commitment signed.
20h/an de formation continue. Renewal triennal devant le CCA.
The CCS — Civil-Fi Surveillance Committee — examines, audits, and affixes the Civil Conformity Opinion on projects entering the standard. It is the equivalent of an AFNOR visa for civil fiducie.
The ACC is not a financial approval. It is a collegial opinion, signed by CCS members, certifying that a PAFC project complies with the doctrine Civil-Fi: fiduciary impermeability, oracle quality, communication conformity, legal security of members.
The licensee (FAC-Mère) submits the complete project file to the CCS.
Examination by 2 certified rapporteurs on 12 PAFC Conformity Score criteria.
The CCS votes in session. Reasoned decision, published in the registry.
The ACC seal is affixed to the project. Public verification via RFC.
The RFC — Central Fiduciary Registry — is the public timestamped index of the Civil-Fi ecosystem. Every certified practitioner, every labelled project, every affixed seal is registered there, freely accessible. It is the equivalent of SWIFT for French civil fiducie.
Pilot operated by RealSmart, first exclusive licensee on the real estate vertical.
View the full case study →Every normative piece that the doctrine defines exists here, versioned and signed. Four access levels — from public document to confidential document under non-disclosure agreement.
Charter, score, introductory doctrine, Registry directory.
OJP, lexique normatif, Certified FAQs, bulletins de l'Institut.
Complete FAC-Mère and FAC-Fille templates, full v4.0 doctrine.
Licensing documents and confidential operations.
The founding text of prohibited and permitted terms in any public communication. Opposable to the Surveillance Committee.
Standard fiducie civile contracts (FAC-Mère and FAC-Fille) and preventive legal opinion demonstrating non-qualification as a financial product.
Complete model of pilot fiducie contract over 30 years, articles 2011 et seq. of the Civil Code. Includes armouring, oracles, scoring.
Civil fiducie contract for FAC-Fille (per vertical). Appendices: oracle requirements, conformity score, communication charter.
Anonymised model of the opinion signed by AARPI Fiducie Legal. Demonstrates non-qualification under AMF, FIA, and public offering rules for a PAFC project.
The full v4.0 PAFC doctrine and its three technical pillars: civil oracles, contractual armouring, conformity score.
The reference text: 280 pages, addenda F1-F6 (foundation), D1-D6 (deployment), E1-E6 (operation). Versioned, dated, Soleau-deposited, opposable. Reserved for active certified members.
Technical specification of the verification layer. Access under confidentiality agreement during the industrial-property protection phase.
Kit of cumulative mechanisms defined by the Doctrine, ensuring impermeability between FAC-Filles. Defensive doctrine against patrimonial confusion.
Public grid of 12 self-evaluation criteria for a FAC-Fille. Reference used by the Surveillance Committee to affix the ACC seal.
Reference tools: the 14-term public layer of the Official Lexicon, the public RFC directory, and FAQs certified by the Committee.
The public layer of 14 terms of the standard — civil fiducie, FAC-Mère, FAC-Fille, DBA, ACC, RFC… — and the index of technical terms referred to the Doctrine.
Public and timestamped list of licensed FAC-Mères, CCFP/CCFS certified practitioners, and active ACC projects. Verifiable in real time.
Responses signed by the Committee to the most frequent legal, tax, operational, and governance questions. Opposable reference.
Les communiqués officiels de l'Institut, archivés et indexés. Publiés le premier de chaque mois.
Official communications, Surveillance Committee decisions, license announcements, doctrinal publications, and new Registry entries. No commercial commentary, no detours.
Banks, law firms, notary offices, institutional funds — Civil-Fi is the normative infrastructure that makes the French civil fiducie deployable at scale. One license, one standard, one public registry.
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