France’s 10-year borrowing rate reached 4.93% on October 20, compared with 4.55% for Italy and 3.42% for Germany, while the public deficit is expected to reach 5.4% of GDP in 2025. Debt-servicing costs could rise from €79.2 billion to €91.2 billion between 2025 and 2027, absorbing more than one-fifth of the €54 billion in savings planned by the government. Savers are encouraged to exceed guarantee thresholds, diversify their investments and, for substantial portfolios, transfer part of their life insurance assets to Luxembourg, which collected €17.4 billion in premiums in the first half of 2026. The article also presents stablecoins and DeFi protocols as ways to hold and invest outside the French banking system, while highlighting the risks of errors, counterparty exposure and liquidity.
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