For Fintech
The regulated rails your fintech runs on
Launch accounts, IBANs and card programs on Elibrium's infrastructure, so your team can ship the product instead of chasing licences, sponsor banks and scheme membership.
Safeguarded funds, built for regulated products
Building blocks
Everything a money product needs, ready to connect
Accounts and IBANs
Open multi-currency accounts and issue dedicated or virtual IBANs to your users.
Card issuing
Roll out virtual and physical cards under a sponsored BIN, without scheme membership.
Payment rails
Send and receive over SEPA Instant, SWIFT and TARGET2 from one integration.
Compliance and safeguarding
Client funds held in segregated accounts, with KYC and AML built into onboarding.
curl https://api.elibrium.io/v1/accounts \
-H "Authorization: Bearer ••••" \
-d "currency=USD" \
-d "type=business"
# response 201 Created
{
"id": "acct_9Fq2...",
"iban": "assigned",
"status": "active"
}Developer-first
One integration for the whole money stack
Provision accounts, attach IBANs and issue cards from a single, documented API. Move to production once your compliance review is complete, with no separate sponsor-bank negotiation to run in parallel.
- Consistent resources across accounts, cards and payments
- Webhooks for settlement, card and payment events
- Sandbox to test flows before you go live
What teams build
From neobanks to niche payment apps
Spend and expense products
Issue employee cards with per-user limits and real-time controls on top of your own dashboard.
Marketplaces and platforms
Give sellers named IBANs so incoming funds reconcile automatically to the right account.
Cross-border payments apps
Route euro payments instantly and reach the rest of the world over SWIFT and TARGET2.
Questions
Fintech infrastructure, answered
Do we need our own licence to issue cards?
No. You can issue cards under a sponsored BIN, using a principal scheme member's licence, while Elibrium handles the scheme relationship and settlement. See our BIN sponsorship page for detail.
How are our users' funds protected?
Client money is held in segregated safeguarding accounts, kept separate from operating funds, in line with e-money and payments safeguarding requirements.
What rails can we reach?
SEPA and SEPA Instant for euro payments, plus SWIFT and TARGET2 for worldwide and high-value transfers, from a single account.
How long does onboarding take?
Account setup is typically around 24 hours. Launching a regulated product on top depends on your compliance review and program scope, which we scope with you up front.
Build your product on rails that are already live
Accounts, IBANs, cards and payments: one partner, one integration, fully safeguarded.