The monProxima application is based on an architecture connected to the Proxima business software, used by judicial representatives for the protection of adults. This direct link between the professional’s back office and the interface of the protected adult conditions the entire functioning of the tool, including its limitations.
Bank synchronization in monProxima: what the technical flow implies
Consulting bank accounts in monProxima is not a simple mirror. Data flows from banking institutions to the representative’s Proxima software, and then is redistributed to the protected adult’s space. This double relay introduces a delay between the actual operation and its display.
We observe that this delay varies depending on the partner bank and the synchronization frequency set by the representative. The displayed balance does not always reflect the real-time bank position. For a protected adult managing current expenses with a tight budget, this latency can lead to misunderstandings.
The representative who wishes to access my Proxima account on the professional side controls the granularity of the information transmitted. They can choose which accounts to make visible and what types of operations to display. This configuration is not trivial: overly restrictive settings deprive the adult of a useful overview, while overly open settings can expose complex transactions (investments, life insurance) without explanatory context.
Annual management accounts and the role of monProxima in legal oversight
Feedback from family guardians and professional representatives converges: monProxima is becoming a tool expected, even required by some oversight services to ensure the reliability of annual management accounts. The digital traceability it offers simplifies the verification of financial flows by the chief clerk or the registry director.
The history of operations viewed by the protected adult constitutes an audit trail. The fact that the protected person has been able to view their bank transactions demonstrates, at least formally, a form of transparency in management. This point weighs heavily during the account review by the judicial authority.
We recommend keeping visibility settings activated over a long period, even if the adult does not regularly consult the application. In case of subsequent disputes, the availability of information in monProxima can serve as evidence.
Evolution of the rights of protected adults towards autonomy of action
Since 2019, the rights of protected adults have been structurally evolving to allow them to carry out certain everyday actions themselves, rather than systematically delegating to the legal representative. The academic analysis by Jean-Marie Plazy confirms this direction.
MonProxima fits into this legal logic of gradual restitution of capacity. The tool does not replace the representative’s authorization for acts of disposition, but it gives the protected adult visibility into their financial situation that was previously reserved for the guardian or curator alone.
This evolution has practical consequences on the representative-protected adult relationship:
- The adult who consults their accounts asks more precise questions about expenses, which forces the representative to document their management decisions more thoroughly
- Transparency reduces situations of distrust, which are common when the adult has no visibility into the use of their resources
- The guardianship judge can rely on the actual use of monProxima to adjust the level of protection (for example, transitioning from guardianship to enhanced curatorship)
Security of personal data on the monProxima platform
The protection of data in monProxima deserves particular attention. The banking and asset information of a protected adult are sensitive data under the GDPR. The Proxima software, as a platform hosting these files, must ensure an appropriate level of security.
Access to the protected adult’s account is through identifiers provided by the representative. This raises a rarely addressed issue: the protected adult does not choose their initial password themselves. The account creation procedure depends entirely on the professional, creating a technical asymmetry.
In practice, we find that some representatives delay activating monProxima access for their protégés, either due to workload or unfamiliarity with the tool. The protected adult then has no leverage to force activation, except to request the guardianship judge.
Concrete limits of monProxima for protected users
MonProxima allows users to view the balance and recent transactions. The application does not allow for transfers, disputing a transaction, or direct communication with the bank. It is a reading tool, not a banking action tool.
Developments are announced by the publisher Tutelle Au Quotidien, but without a specific timeline. Current functionalities remain limited to consultation.
For an adult under simple curatorship, who theoretically retains the capacity to manage their current expenses, this limitation is frustrating. The application shows what is happening in the account without giving control. The gap between the stated goal of autonomy and the actual functionalities of the tool deserves to be pointed out to families and professionals.
- Consultation of balance and recent transactions: available
- Execution of transfers or payments: not available
- Integrated communication with the representative: not available at this stage
- Access to legal documents in the protection file: not available in monProxima (reserved for the Proxima software on the representative’s side)
The tool fulfills its promise of financial transparency. It does not yet fulfill the promise of operational autonomy. The distinction between seeing and acting remains the main barrier for protected adults who wish to regain control over their daily management.