What is Fibo?

Fibo is a French cryptocurrency investment platform launched in 2023. Operated by ADVIJU Investissement SAS, Fibo is registered with the French Financial Markets Authority (AMF) as a Digital Asset Service Provider (PSAN) under number E2023-89.

Fibo enables individuals to easily invest in diversified crypto portfolios that are automatically managed according to their risk profile. The goal is to democratize access to crypto investment in France without requiring technical knowledge.

Key Information about Fibo

How Does Fibo Work?

Fibo offers a simplified approach to crypto investment based on 3 predefined portfolios:

1. Conservative Portfolio

Designed for investors with low risk appetite. This portfolio favors the most established crypto assets (Bitcoin, Ethereum) with a conservative allocation. Ideal for first-time crypto exposure.

2. Balanced Portfolio

For investors seeking a balance between returns and risk. Mix of large caps and promising altcoins. Intermediate profile recommended for most investors.

3. Dynamic Portfolio

For risk-tolerant investors seeking higher return potential. Larger allocation to altcoins and emerging projects. Higher volatility.

How to Sign Up for Fibo

Opening a Fibo account takes 6 steps, usually under 10 minutes:

1. Download the mobile app (iOS/Android)
2. Create account with email and password
3. Identity verification (KYC): ID document + selfie
4. Add payment method: bank card or SEPA transfer
5. Choose portfolio based on your risk profile
6. Start investing: deposit and automatic allocation

Security on Fibo

Fibo implements several security measures to protect client assets:

• Institutional custody: partnership with CMP-MPC solutions
• Cold storage: majority of funds stored offline
• Multi-factor authentication (2FA) required
• Regulatory compliance: AMF PSAN registration
• Regular security audits

Fibo Pricing

Fibo applies transparent pricing:

• Management fees: vary by portfolio
• Deposit fees: free via SEPA transfer
• Withdrawal fees: per current conditions
• No hidden fees

Is Fibo Reliable?

Several factors attest to Fibo’s reliability:

• ✅ AMF PSAN registration: strict French regulation
• ✅ French company: Paris headquarters, French law applies
• ✅ Transparency: identified founders, accessible legal information
• ✅ Institutional security: asset custody by recognized providers
• ✅ MiCA compliance: preparing for European regulation

Pros and Cons of Fibo

Pros

• Simple and intuitive interface
• Automated portfolio management
• French regulation (AMF PSAN)
• 3 risk profiles available
• Performant mobile app
• French-speaking customer support

Cons

• Limited to 3 predefined portfolios
• No manual trading available
• Relatively new service (since 2023)

Frequently Asked Questions

Is Fibo regulated?

Yes, Fibo (ADVIJU Investissement SAS) is registered as a PSAN with the AMF under number E2023-89. This registration ensures compliance with anti-money laundering and investor protection requirements.

What is the minimum deposit on Fibo?

Fibo allows investing from accessible amounts. Check the app for the current minimum.

How to withdraw funds from Fibo?

Withdrawals are made directly from the app to your bank account via SEPA transfer. Processing typically takes 1-3 business days.

Is Fibo available outside France?

Fibo primarily targets the French market. Availability in other European countries may evolve with MiCA regulation.

Conclusion

Fibo positions itself as a simple, secure, and regulated crypto investment solution for French individuals. With its AMF PSAN registration, 3 portfolios adapted to different risk profiles, and intuitive interface, Fibo meets the needs of investors wanting crypto exposure without technical complexity.

Last updated: February 2026