EMTECH
EMTECH is a New York-based fintech SaaS company founded in 2019 that provides an API-first platform — the Beyond Suite — connecting central banks and financial service providers for regulatory sandboxing, CBDC infrastructure, compliance automation, and risk-based supervision, primarily across West Africa and the Caribbean.
- Company typePrivate
- Founded2019
- HeadquartersNew York, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What EMTECH does
EMTECH (legal entity EMTECH SOLUTIONS INC.) is a New York-headquartered fintech SaaS company founded in 2019 by Carmelle Cadet that builds infrastructure connecting central banks and financial service providers (FSPs). The company's Beyond Suite platform comprises four domain-specific products — Beyond Sandbox for regulatory testing and licensing, Beyond Cash for CBDC infrastructure and digital wallet management, Beyond Compliance for FSP-side compliance automation, and Beyond Supervision (listed as coming soon) for risk-based supervision — delivered as an API-first SaaS with regulatory reporting APIs spanning payments, remittances, microlending, crowdfunding, and virtual assets. The platform is built on distributed ledger technology, tokenization, and API-led architecture, and is certified to SOC 2 Type II and ISO 27001.
EMTECH monetizes through subscription-based SaaS fees (monthly, quarterly, or annual billing) for the Beyond Suite, layered with usage-based API pricing for developer and FSP consumption. Go-to-market is a hybrid of direct enterprise sales into central banks and a self-serve SaaS portal (app.emtech.com) for FSPs, supplemented by a Marketplace channel that distributes partner integrations (KYC/AML via Sumsub, FinClusive, YouVerify, Qore ID; blockchain investigations via TRM Labs; analytics via LSEG; payments via RAIL). Customer concentration sits with West African and Caribbean central banks — including Bank of Ghana, Central Bank of Nigeria, Central Bank of Liberia, Bank of Sierra Leone, Central Bank of Guinea, Central Bank of The Gambia, and Central Bank of Bahamas — plus a growing FSP long tail (Flutterwave, VerifyMe, TuluPay, BladeLabs, HaitiPay).
The company has raised approximately $8.8M in disclosed equity across 2020, 2022, and 2023 funding rounds from investors including Noemis Ventures, Octerra Capital, 500 Global, Alumni Ventures, Z47, and Flybridge, and received a strategic investment from Accenture Ventures in September 2024. Operations span New York and Accra (Ghana), with active commercial and policy partnerships including the West African Monetary Institute (WAMI), NVIDIA Inception, and the Digital Dollar Project.
EMTECH firmographics
Firmographics- Name
- EMTECH
- Legal name
- EMTECH SOLUTIONS INC.
- Website
- https://emtech.com
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- EMTECH is a New York-based fintech SaaS company founded in 2019 that provides an API-first platform — the Beyond Suite — connecting central banks and financial service providers for regulatory sandboxing, CBDC infrastructure, compliance automation, and risk-based supervision, primarily across West Africa and the Caribbean.
- Ownership category
- akta.pro rank
EMTECH industry classification
Industry- Product category
- Central Banking Infrastructure Software (RegTech / CBDC)
- NAICS
- Computer Systems Design and Related Services (54151), Other Computer Related Services (541519), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (51821)
- SIC
- Services-Prepackaged Software (7372), Services-Computer Integrated Systems Design (7373), Services-Computer Programming, Data Processing, Etc. (7370)
- akta.pro primary industry
- GRC, Policy Management & Controls Testing (SOX/ICFR, audit management) (FSAGAFAM)
- akta.pro secondary industries
- Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK), Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN)
Keywords
Where EMTECH is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
EMTECH business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations
Revenue model
- SaaS Subscription: EMTECH operates on a subscription-based SaaS model with monthly, quarterly, or annual subscription fees for access to the Beyond Suite platform. The platform is used by central banks and financial service providers for regulatory sandbox, compliance, and CBDC management.
- Usage-Based Payments: Usage-based fees based on API calls for developers and FSPs accessing regulatory reporting APIs, payment APIs, remittance APIs, microlending APIs, crowdfunding APIs, and virtual assets APIs.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Subscription-based SaaS access to Beyond Suite |
| Usage-based | Pay-as-you-go | Usage-based API access |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
EMTECH product offering
Product offeringCore offering
EMTECH provides a SaaS platform called the Beyond Suite that connects Central Banks and Financial Service Providers for fintech innovation management. The suite comprises Beyond Sandbox (regulatory testing and licensing), Beyond Cash (CBDC and digital cash infrastructure), Beyond Compliance (compliance and KYC/AML management for FSPs), and Beyond Supervision (risk-based supervision for central banks). The platform is delivered via APIs and self-serve accounts, and is supported by a marketplace of third-party KYC, payments, and analytics integrations.
Product overview
EMTECH provides a SaaS platform called the Beyond Suite that connects Central Banks and Financial Service Providers for fintech innovation management. The platform is organized into four core products: Beyond Sandbox (regulatory testing and licensing), Beyond Cash (CBDC and digital cash infrastructure), Beyond Compliance (compliance management for FSPs), and Beyond Supervision (risk-based supervision for central banks). Each product is available in versions tailored for either Central Banks/Regulators or Financial Service Providers. The Beyond Suite also includes a Marketplace for third-party integrations, EMTalks educational webinars, and a Beta Program for early access to new features.
Differentiator
Problem solved
Functional benefit
Brands
- EMTECH Beyond Suite: A comprehensive suite of products for central banks and financial service providers including Beyond Sandbox, Beyond Cash, Beyond Compliance, and Beyond Supervision.
- Beyond Sandbox
- Beyond Cash
- Beyond Compliance
- Beyond Supervision
Products and services
- Beyond Suite EMTECH's comprehensive SaaS platform connecting central banks and financial service providers for sandboxing, licensing, supervision, compliance, and cash management processes. It is organized into products tailored for Central Banks/Regulators and Financial Service Providers.
- Beyond Sandbox (Central Banks) Digital platform for central banks that streamlines application review, regulatory testing, license acquisition, compliance requirements, and monitoring of fintechs. Features digitized sandbox workflows, regulatory reporting APIs, and performance/risk dashboards.
- Beyond Cash (Central Banks) Modern digital cash platform enabling central banks to operate a single dashboard for transaction monitoring, wallet management, currency management, centralized token management, and treasury management for digital cash service providers.
- Beyond Supervision (Central Banks) Risk-based supervision tool for central banks that digitizes regulation implementation, licensing, oversight, risk monitoring, and ecosystem communication, expanding on sandbox licensing and compliance risk monitoring capabilities.
- Beyond Sandbox (Financial Service Providers) Streamlined digital solution for FSPs that simplifies application review, regulatory testing, license acquisition, compliance, and monitoring, tailored to specific industry needs of fintechs, payment providers, VASPs, and emerging banks.
- Beyond Compliance (Financial Service Providers) Comprehensive compliance management suite for FSPs with Requirements Manager, Task Manager, KYC/AML Data Integration, License Manager, Compliance Reporting Templates, APIs, and Compliance Gap Assessment Dashboard.
- Beyond Cash (Financial Service Providers) Web3-based digital cash infrastructure enabling FSPs to access CBDC wallets from central banks, with institutional and end-user wallet management, token management, and treasury management capabilities.
- G.R.E.E.N. CBDC Framework Proprietary CBDC framework introduced in 2022 for developing central bank digital currency solutions, forming the architectural foundation of EMTECH's digital cash products.
- Web3 CBDC Innovation and Hackathon Kits Toolkits released in 2023 that enable fintechs to test and develop CBDC-based solutions, used in CBDC hackathons such as the e-Cedi hackathon with the Bank of Ghana.
Quantifiable outcome
- Reduced manual and paper-based regulatory processes
- +2 more outcomes
Companies that use EMTECH
Customer profileNamed customers12 records
Segments2 records
Ideal customer profiles2 records
EMTECH technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
AI capability3 records
Feature6 records
EMTECH partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- SumsubcoreStrategic partnership integrating Sumsub's global verification and AML risk monitoring with EMTECH's Beyond Compliance and Beyond Supervision platforms. VASPs can seamlessly prepare and submit regulator-ready compliance reports.
- FinClusivecorePartnership embedding FinClusive's KYC/AML services into the Beyond Compliance platform, offering fintechs a single compliance home with integrated identity verification and compliance management.
- NVIDIAcoreEMTECH joined the NVIDIA Inception Program to access AI computing power for sandbox startups and enterprise AI solutions for regulatory bodies. The partnership enables custom generative AI solutions development.
- West African Monetary Institute (WAMI)coreStrategic partnership to modernize country-level and regional regulatory sandboxes, enabling harmonization of fintech regulatory policies across West African Monetary Zone (WAMZ) member states.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
EMTECH competitors and assessment
Company assessmentDirect peers
- Bitt (Mastercard): CBDC infrastructure provider acquired by Mastercard; directly competes with EMTECH's Beyond Cash product by offering digital currency platforms to central banks in emerging markets.
- Ripple: Ripple's CBDC platform and RLUSD stablecoin infrastructure directly compete with EMTECH's CBDC offerings, with a focus on cross-border payments and central bank engagement.
- R3: Enterprise DLT (Corda) provider with central bank CBDC initiatives; comparable in targeting central banks for tokenization and digital currency infrastructure.
- ConsenSys: Ethereum infrastructure provider with CBDC and regulatory technology offerings; competes with EMTECH in providing central banks with blockchain-based digital currency and compliance tooling.
- Giesecke+Devrient: Global provider of CBDC solutions (Filia platform), banknote processing, and digital identity; comparable in serving central banks on cash management, digital currency, and security infrastructure.
- Algorand: Blockchain platform with dedicated CBDC focus (Marshall Islands, other national initiatives); competes with EMTECH on the underlying infrastructure for central bank digital currencies.
Broad incumbents
- IDEMIA: Identity, payments, and CBDC infrastructure incumbent serving central banks and financial institutions globally; competes broadly in digital currency and secure transactions.
- Finastra: Large financial software vendor with core banking, treasury, and compliance offerings for banks; overlaps with EMTECH on compliance/regulatory workflows for financial institutions.
Emerging players
- Onfido: Identity verification and KYC/AML platform now part of Entrust; comparable to the KYC/AML compliance layer of EMTECH's Beyond Compliance product and marketplace integrations.
- Trulioo: Global identity verification and AML/KYC provider; comparable to EMTECH's marketplace KYC/AML integrations (Sumsub, YouVerify, FinClusive) for fintech onboarding and compliance.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
EMTECH social profiles
Digital presenceEMTECH compliance and trust
Trust signalCompliance2 records
EMTECH financial estimates
Financial estimateRevenue estimate
Valuation estimate
EMTECH leadership team
Management profileNumber of profiles
Profiles6 records
EMTECH funding detail
Funding detailFunding overview
Funding rounds4 records
Investors19 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
EMTECH M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about EMTECH
What does EMTECH do?
EMTECH provides a SaaS platform called the Beyond Suite that connects Central Banks and Financial Service Providers for fintech innovation management. The suite comprises Beyond Sandbox (regulatory testing and licensing), Beyond Cash (CBDC and digital cash infrastructure), Beyond Compliance (compliance and KYC/AML management for FSPs), and Beyond Supervision (risk-based supervision for central banks). The platform is delivered via APIs and self-serve accounts, and is supported by a marketplace of third-party KYC, payments, and analytics integrations.
Is EMTECH a public or private company?
EMTECH is a private company. It is classified as venture growth investor backed and is currently operating.
When was EMTECH founded?
EMTECH was founded in 2019. It employs 11 to 50 people.
Where is EMTECH based?
EMTECH is headquartered in New York, United States, in the North America region.
How does EMTECH make money?
Two revenue lines are on record. SaaS Subscription is the primary driver. The others are usage-Based Payments.
Who are EMTECH's main competitors?
Direct peers on record are Bitt (Mastercard), Ripple, R3, ConsenSys, Giesecke+Devrient and Algorand. Broad incumbents are IDEMIA and Finastra. Emerging players are Onfido and Trulioo.
Does EMTECH have an API?
Yes. EMTECH offers regulatory reporting APIs for central banks and financial service providers. The APIs include Payment APIs, Remittance APIs, Microlending APIs, Crowdfunding APIs, and Virtual Assets APIs. The platform provides APIs for wallet management, transaction processing, KYC verification, and data reporting. Regulatory reporting APIs enable FSPs to report data to central banks securely in real time. API Status page available at https://status.emtech.com/ Developer documentation is at emtech.com.
What industry is EMTECH in?
EMTECH's product category is Central Banking Infrastructure Software (RegTech / CBDC). Its primary akta.pro industry code is FSAGAFAM, GRC, Policy Management & Controls Testing (SOX/ICFR, audit management), with a secondary code of FSAGALAK, Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes). Its NAICS code is 54151 and its SIC code is 7372.