Scalable banking
infrastructure.

A Virtual IBAN acts as a sub-account reference that links directly to a master, physical bank account. It behaves exactly like a real IBAN for receiving payments, meaning you can assign a unique vIBAN to every single customer or invoice. Because the reference is unique, reconciliation is 100% automated — no more manually matching fragmented payment references.

Banking-as-a-Service (BaaS) platforms typically operate under E-Money Institution (EMI) licenses rather than full clearing bank licenses. They give you the same frontend utility — local account details, SEPA/SWIFT access, API access — but are built specifically for speed, programmatic access, and high-volume transacting, bypassing legacy bank interfaces.

Yes. Certain BaaS and EMI providers we work with have risk appetites specifically tailored for complex corporate structures, forex, crypto exchanges, and gaming platforms, provided they meet strict compliance and AML requirements. We know exactly which providers cater to which risk buckets.

This is where BaaS saves merchants thousands. Traditional high-street banks can charge anywhere from 1.5% to 3.5% on cross-border FX conversions. The providers we negotiate with operate near the interbank mid-market rate, often passing on spreads as low as 0.1% to 0.5% depending on volume.

Standard corporate banking operations can take 3-6 months. Because we pair you up with agile EMI and BaaS fintechs globally, complete with robust API KYC flows, we typically see businesses trading and issuing IBANs within 2-4 weeks of application.