Would you like to switch to English?

FCA · MiCA · SEPA · PSD2

Programmable banking infrastructure for Europe.

Dedicated IBAN accounts, instant SEPA transfers, regulatory validation and a DeFi-ready layer. All under one dashboard, ready for individuals and businesses.

Open my free account Already a customer · Sign in

SEPA settlement

< 10s

SCT Inst

Coverage

EEA countries + UK

Uptime

99.99%

multi-region

FCA · UK MiCA · EU PSD2 SEPA SCT Inst ISO 20022 GDPR EBA Guidelines AML / KYC

01 · Products

One API. One dashboard. The entire banking stack.

We built OpenPayments so your payments, IBAN and liquidity work as a single organism — auditable, programmable and connected to the SEPA network in real time.

IBAN Accounts

Instant opening with dedicated European IBAN, BIC and balance in EUR.

SEPA Instant

Transfers settled in under 10 seconds, 24/7/365.

SEPA Standard & Scheduled

Schedule payments and collections with future dates and recurrence.

Transfer to account number / CBU

Send to local account number or CBU with pre-validation.

IBAN Validator

ISO 13616 algorithm with bank and country detection.

Certificates & receipts

Download PDFs with SHA-256 cryptographic signature.

02 · DeFi-ready

Regulated accounts with conceptual blockchain architecture.

Every receipt and certificate is sealed with a verifiable SHA-256 hash. We comply with MiCA and explore on-chain rails for settlement and cryptographic proof.

Cryptographic seal per movement

Signed proof of ownership

Optional immutable audit trail

View DeFi architecture

Bloque #284.119

hash0x9f3a…b8c2

txTX-7A2F1B9C

amount€ 1.250,00

fromES91 2100 …1332

toDE89 3704 …4321

statussettled · 7.2s

Firma verificada · SHA-256

03 · Compliance

Clear rules. No surprises.

We operate under the strictest regulatory framework. Every flow is documented and auditable.

FCA

Financial Conduct Authority · Reino Unido. Ref. 9XX834 (demo).

MiCA

Reglamento (UE) 2023/1114 sobre criptoactivos.

PSD2 + SCA

Autenticación reforzada y open banking europeo.

GDPR

Protección de datos personales bajo normativa europea.

04 · For business

Moving money around Europe? Cut up to 80% off your SEPA costs.

Dedicated IBAN accounts, REST API with webhooks, automatic reconciliation and flat fees for marketplaces, SaaS and fintechs.

Calculate my savings Request API access

Ejemplo · 500 transferencias/mes · 2.500€

€ 8.040ahorro / año

vs. comisión del 0,65% (banca tradicional EU).

Open your IBAN account in under 2 minutes.

Simplified KYC, downloadable certificate and full dashboard from minute one.

Open my account