Core Payment Facilitation Services

1. IBAN Accounts:

- EUR IBANs issued to users for SEPA transfers and direct deposits.

- Supports inbound/outbound bank transfers.

2. Prepaid Virtual & Physical Debit Cards:

- White-labeled MasterCard or Visa.

- Can be used online and in-store globally.

- Reloadable and linked to customer wallets.

3. Card Acquiring (Merchant Services):

- Payment gateway and terminal integrations for in-person or online payments.

- Offers Interchange++ pricing for transparent fees.

- Compatible with Visa, MasterCard, Apple Pay, Google Pay.

4. Loyalty Wallet Infrastructure

- Dual-mode wallet: Open-loop (IBAN, card use) & Restricted-loop (merchant-only, closed ecosystem for loyalty and rewards).

- Real-time points conversion and reward redemptions.

5. Crypto-to-Fiat Conversion:

- API-linked crypto off-ramping to EUR wallet.

- Compliant with MiCAR (pending license).

6. QR Code, NFC and A2A Payments:

- Fast P2P and merchant payments via dynamic QR codes.

- Wallet-to-IBANS transfere.

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