Two founders. One gap. A new way to move money.
It started in the back office of a high-risk FX desk, watching payments fail, merchants lose accounts, and good businesses shut down for no fault of their own.
From the front lines of high-risk banking
We met running payments for two different high-risk brokerages. Same problem, different cities. Banks would onboard you with a smile, then freeze the account six months later when compliance flagged a pattern they didn't teach in the welcome deck.
The real pain wasn't the freeze. It was the domino effect. One lost account meant scrambling to reroute settlements, re-integrate gateways, and calm merchants who were now missing payroll. The infrastructure was built for safe industries. Everyone else was an afterthought.
We started sharing notes. Then sharing contacts. Then sharing a frustration that became an obsession: the gap between what high-risk businesses needed and what the system would actually give them.
The gap we saw
- · Licensed rails treated as a product, not a partnership
- · Merchants left alone when risk profiles shifted
- · No bridge between bank compliance and business reality
- · Payment entrepreneurs stuck as resellers, not owners
What we built to close it
- · MSB & CASP licensed rails with skin in the game
- · Shared risk model, we win when you win
- · Compliance and commercial teams in the same room
- · White-label ownership so you own the merchant
From side-project to shared infrastructure
The first version was just a shared spreadsheet of bank contacts and PSP rate cards. Ugly, but useful. A few friends in the industry asked for access. Then their friends asked. Within a year we were managing direct integrations, compliance workflows, and settlement routing for a dozen payment entrepreneurs who didn't want to build it themselves.
We realized the real opportunity wasn't being another gateway. It was becoming the layer underneath, the licenses, the banking relationships, the compliance automation, and the technical team, so our partners could focus on sales and brand.
Today that spreadsheet is a full-stack payment platform. But the mindset hasn't changed. We still answer the phone at 11pm when a merchant's account is under review. We still negotiate with banks like our partners' businesses depend on it, because they do.
40+
Integrated providers
12+
Years of bank & PSP relationships
PCI-DSS L1
Infrastructure certification
24/7
Engineering coverage
One stack. Every payment surface.
Accounts & IBANs
Issue private and business accounts in your brand, in minutes.
- Virtual & physical accounts
- Multi-currency IBANs
- SEPA, SEPA Instant, Target2
- SWIFT, Faster Payments, CHAPS
- ACH, Fedwire, BACS
- Refunds, recalls, CoP/VoP
Card issuing
Visa and Mastercard programs with full lifecycle control.
- Virtual & physical cards
- Mono and multi-currency
- Apple Pay & Google Pay
- Custom card designs
- Top-up, withdraw, reissue
- PIN, 3DS, limits management
Merchant acquiring & gateway
Your branded checkout, plugged into the world's PSPs.
- White-label gateway
- Global PSP routing
- Local APMs
- Smart cascading
- Tokenization
- Dispute & chargeback flows
KYC / KYB / AML
Onboard merchants and end-users at scale, your way.
- Automated KYC & KYB
- ID document checks
- Sanctions & PEP screening
- Fiat & crypto monitoring
- Risk scoring
- Case management
FX & crypto
One ledger for fiat and digital assets.
- FX rates & orders
- Crypto custody & vaults
- Crypto transfers
- Travel Rule compliance
- Kraken, Fireblocks, BitGo
- ECB, XE, BankingCircle rates
Open Banking / PSD2
Account information & payment initiation across EU and UK.
- PSD2-compliant APIs
- AIS & PIS flows
- Strong Customer Auth
- Direct bank connectivity
- Consent management
- Reconciliation
