Jurisdiction: United Kingdom

Regulator: Financial Conduct Authority (FCA)

License Type: Small Electronic Money Institution (Small EMI)

FCA Reference: Active authorization

Overview:

The company provides multi-currency digital accounts, payment execution services, and merchant payment processing infrastructure. The platform combines regulated payment services with proprietary technology for compliance automation, fraud monitoring, and payment orchestration, enabling efficient onboarding and servicing of both corporate and retail clients.

The company operates a payment facilitator model with Mastercard, supporting merchant acquiring and ecommerce payment processing.

Key Regulatory Permissions:

Authorized by the FCA to provide:

• Issuing of electronic money

• Execution of payment transactions (with and without credit line)

• Money remittance

• Issuing payment instruments and acquiring payment transactions

• Cash placement and withdrawals from payment accounts

Products & Services:

• Digital Banking Infrastructure

• Multi-currency digital accounts for individuals and businesses

• Dedicated IBAN accounts

• SEPA / SEPA Instant / SWIFT payment capabilities

• Cross-border transfers and FX tools

• Mobile and web account management

Payment Processing & Merchant Services

• Card payment acceptance (Visa / Mastercard)

• Payment gateway infrastructure with API integrations

• Hosted payment pages and ecommerce plugins

• Payment links and QR payment tools

• Recurring payments and subscription billing

Payment Execution Services

• Credit transfers and direct debits

• Card-based transactions

• International money remittance

The company operates on a modern fintech infrastructure including:

• Core banking platform (Macrobank)

• API-driven payment architecture

• Integrated fraud monitoring and KYT tools

• AI-assisted compliance and AML workflow automation

The company also owns proprietary AI-driven compliance and orchestration technologies, including:

• Human-in-the-loop AI compliance architecture

• Multi-model orchestration layer for operational automation

• Graph-based fraud detection and regulatory reporting framework.

Clients & Operations:

• ~200 active clients

• Corporate and retail client mix

• Average monthly transaction activity per client approx. €50k

• Clients located primarily in EU and UK markets

Client distribution: EU: ~64%; UK: ~18%; Other regions: ~18%

Banking & Payment Infrastructure:

Operational relationships with several payment and banking partners, including:

• OpenPayd

• IFX Payments

• Mano Bankas

• Dukascopy Bank

The company also maintains operational integrations with multiple PSPs and payment service providers supporting global payment flows.

Financial Overview Annual revenue:

2023: ~£237k

2024: ~£533k

2025 (management accounts): ~£578k Average monthly operating expenses: ~£35k.

Team & Substance

Core team: 3 internal employees. Additional technical and operational support outsourced (approx. 8 specialists)

Existing founders and team are open to remain post-transaction subject to terms.