Insurance fraud is a persistent challenge in France, with losses estimated at nearly €902 million in 2024. Much of this increase is linked to the misuse of AI-generated content to fabricate claims.
Addressing this problem head-on, the Toulouse-based startup Certificall has developed a breakthrough digital proofing technology that certifies the authenticity of photos and videos the moment they are captured.
Today, the company secured €1 million in seed funding led by TomCat, Groupama, and InsurAngels to accelerate its growth across Europe.
Tackling digital fraud with trusted certification
Founded in 2022 by Guillaume Laurent and Nicolas Chabauty, Certificall draws on deep experience in insurtech to offer a solution that blocks fraud at its source. Their mission is clear: transform every piece of visual evidence into legally valid, tamper-proof proof that insurers and other sectors can trust.
In an exclusive conversation with TFN, Laurent shared, “The motivation came from a clear market need. The rise of AI-generated synthetic content is eroding trust in digital evidence. As professionals from the legal and insurance sectors, the founders saw the urgent need to secure and certify visual proofs from the very moment they are captured. Certificall was born from that insight — to fight digital fraud and ensure the legal validity of visual evidence.”
This technology, designed around geolocation, tamper-proof certification, qualified timestamping, and compliance with stringent European eIDAS rules, sets Certificall apart by ensuring fast, reliable certification accepted throughout the EU.
Laurent elaborated, “Our technology rests on four pillars: geolocation, tamper-proof certification, qualified timestamping, and an eIDAS digital seal. Certificall offers both a free mobile app and an enterprise API, ensuring 99.5% uptime. The system is fully hosted in France and integrates sovereign AI (Mistral) and Orange Business infrastructure for additional security and resilience.”
When we asked about competition, Laurent stated, “Certificall stands out as a sovereign, enterprise-grade platform that combines eIDAS compliance, French hosting, and AI-assisted fraud detection within a single certification layer.”
Beyond fighting fraud, the platform helps insurers streamline underwriting and claims while enhancing legal security.
What’s next?
With over 3 million images certified so far, each in about 90 seconds, the startup is gaining traction among more than 150 clients and 20,000 users in industries such as insurance, construction, real estate, and logistics.
“The boom in insurance fraud, exacerbated by the growing use of artificial intelligence, reinforces the need for robust, automated certification solutions. Certificall provides a leading-edge technological response by enabling insurers to certify, secure, and streamline their underwriting, prevention, and claims processes.
This fundraising will enable them to accelerate their development and make Certificall the European benchmark for digital proof applied to insurance,” said Jeremy Pouyer, CEO of Tomcat.
Looking ahead, Certificall plans to leverage its new funding to expand its engineering team, deepen its technology stack, and broaden its commercial reach across key European markets.
Laurent concluded, “In the short term, Certificall will continue to hire engineers and enhance its AI-driven fraud analytics. Mid-term, the company aims to expand into logistics and e-commerce while reaching profitability within 18 months.
Long term, the goal is a European rollout in partnership with insurers and major industrial players, establishing Certificall as the European standard for digital proof and visual certification.”
