LUXHUB
- Company typePrivate
- Founded2018
- HeadquartersStrassen, Luxembourg
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
LUXHUB firmographics
Firmographics- Name
- LUXHUB
- Legal name
- LUXHUB S.A.
- Website
- https://luxhub.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
LUXHUB industry classification
Industry- Product category
- Open Banking and Financial Compliance Software
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Other Activities Related to Credit Intermediation (522390)
- SIC
- Functions Related To Depository Banking, Nec (6099)
- akta.pro primary industry
- Open Banking APIs & Connectivity (FSAMAFAA)
Keywords
Where LUXHUB is headquartered
LocationHeadquarters
- HQ city
- Strassen
- HQ country
- Luxembourg
- HQ region
- Europe
Offices1 record
Markets served
LUXHUB business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Infrastructure, Operations, Marketing or Sales, Others
Revenue model
- Compliance Platform Services: Mutualized compliance solutions including PSD2 XS2A, CEDR, CESOP, Payee Verification Platform, Fraud Intelligence Gateway, and Wero Integration. Multiple financial institutions share the cost of compliance infrastructure and regulatory monitoring.
- Open Banking Connectivity Solutions: ONE Connect (account aggregation), ONE PAY (payment initiation), ONE DATA+ (enriched bank data) sold to financial institutions and TPPs. White-labelled solutions available.
- Marketplace Collaboration Platform: Open Finance collaborative platform enabling fintech companies to make services available in a secure way, providing tools to collaborate and pitch services to clients.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Quote-based enterprise pricing |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels7 records
LUXHUB product offering
Product offeringCore offering
LUXHUB provides a mutualized Open Banking and Finance platform that delivers PSD2 XS2A compliance, AML/IBAN and CESOP regulatory reporting, Verification of Payee, and fraud intelligence connectivity for banks and PSPs. Its ONE CONNECT, ONE PAY, and ONE DATA+ products enable account aggregation, payment initiation, and enriched financial data services, while the LUXHUB Marketplace allows fintechs to distribute solutions to financial institution clients.
Product overview
LUXHUB offers a modular Open Banking and Finance platform with distinct product categories: Compliance products (PSD2 XS2A, CEDR, CESOP, Payee Verification Platform, Fraud Intelligence Gateway), Connection products (ONE CONNECT, ONE PAY, ONE DATA+), and Collaboration products (Marketplace). The platform also includes specialized add-ons like Wero Integration Layer and PSD2 API Check. Founded in 2018 by four Luxembourg banks, LUXHUB operates as a mutualized compliance hub enabling financial institutions to share infrastructure costs while meeting EU regulatory requirements including PSD2, Instant Payments Regulation (VOP), and national frameworks like France's Labaronne Law.
Differentiator
Problem solved
Functional benefit
Brands
- CEDR: Luxembourg AML/IBAN register compliance solution for CSSF Circular 20/747
- CESOP
- Fraud Intelligence Gateway
- Payee Verification Platform
- PSD2 XS2A
- ONE CONNECT
- ONE DATA+
- ONE PAY
- Marketplace
Products and services
- PSD2 XS2A Mutualized compliance platform providing ASPSPs with a complete technical and operational solution for PSD2 Regulatory Technical Standards compliance, including API management, TPP identification and authorization, monitoring, and 24/7 infrastructure management.
- Payee Verification Platform EPC VOP Scheme-compliant Routing Verification Mechanism (RVM) that enables PSPs to verify that payment recipient names match IBANs before executing credit transfers, as mandated by the EU Instant Payments Regulation.
- Fraud Intelligence Gateway Compliance and connectivity solution enabling French PSPs to connect to Banque de France's FNC-RF fraud database under the Labaronne Law, with data validation, synchronization, watchlist consolidation, events monitoring and alerting, and VOP flow integration.
- CEDR Compliance solution for Luxembourg AML/IBAN register reporting per CSSF Circular 20/747, enabling credit institutions to transfer secure data files via API to CSSF for identification of natural or legal persons holding payment accounts.
- CESOP EU cross-border payment tax reporting solution for Payment Service Providers to comply with the DAC7 directive's Central Electronic System of Payment Information (CESOP) requirements.
- ONE CONNECT Unified bank account data access solution enabling aggregation of enriched financial data through a single API, providing Account Information Services (AIS) and Payment Initiation Services (PIS) for account aggregation and next-generation payments, sold to financial institutions and TPPs.
- ONE PAY Embedded next-generation bank payment solution enabling frictionless account-to-account payments with secure, low-cost, instant payment flows and white-labelled implementation options for financial institutions.
- ONE DATA+ Integrated bank data solution providing unified financial data views for building value-added services using enriched, real-time financial data.
- LUXHUB Marketplace Open Finance collaborative platform enabling fintech community members to discover, build, and integrate solutions, with tools for collaboration and monetization of products sold to financial institution clients.
- Wero Integration Layer Mutualized intermediate platform enabling banks to connect to the European Payments Initiative (EPI) Wero payment system, supporting various payment flows, post-payment activities, and a common technical solution for issuers.
Companies that use LUXHUB
Customer profileNamed customers8 records
Segments4 records
Ideal customer profiles3 records
LUXHUB technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
AI capability4 records
Feature4 records
LUXHUB partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- EPI Company (European Payments Initiative)coreLUXHUB developing Wero Integration Layer (WIL) to support banks' implementation of Wero digital wallet. LUXHUB acts as Technical Service Provider (TSP) enabling EPI's payment system across Luxembourg banks (Spuerkeess, BIL, POST Luxembourg, Banque Raiffeisen, BGL BNP Paribas).
- TemenoscoreStrategic collaboration to help banks meet PSD2 standards with quick time-to-market. Temenos brings full technology capabilities and architecture that enables financial institutions to easily comply with the directive while taking advantage of new business models arising from PSD2.
- API Thinking CollectiveminorAssociation with 100+ members exchanging on challenges and pain points faced by financial sectors. LUXHUB participates in plenary sessions and events. Focus areas include digitally sustainable API, governance, business cases, API marketing, and acculturation.
- European Payments Council (EPC)coreLUXHUB is EPC VOP Scheme-compliant and acts as Routing Verification Mechanism (RVM). Monitoring FRIDA scheme developments for pan-European fraud information sharing. Active participant in VOP scheme workshops and implementation.
- Berlin GroupcoreLUXHUB is a member of Berlin Group and adopts NextGen PSD2 API standards. This ensures harmonized implementation across European banks, differentiating from French banks using STET standards.
- ABBL (Association des Banques et Banquiers, Luxembourg)minorLUXHUB collaborates with ABBL on VOP communication campaigns in Luxembourg. ABBL highlights that both payers and beneficiaries have a role to play in ensuring smooth VOP implementation.
Scale indicators7 records
Recent moves7 records
Expansion highlights6 records
LUXHUB competitors and assessment
Company assessmentBroad incumbents
- Worldline: European payment processor and merchant acquirer offering PSD2 XS2A, SEPA, instant payments, and fraud/risk services to banks and PSPs. Overlaps with LUXHUB's PSD2 XS2A, VOP, and fraud compliance offerings at scale.
- Finastra: Global financial software vendor whose FusionFabric.cloud platform offers open banking APIs, PSD2 connectivity, and marketplace services to banks. Comparable to LUXHUB's Marketplace collaboration model and PSD2 XS2A offering, but as part of a much larger core banking suite.
- Plaid: Global open banking API platform offering account aggregation, payment initiation, and identity verification across the US, UK, and Europe. LUXHUB competes in the same core category of PSD2/AISP/PISP connectivity and account information services, though Plaid is far larger and broader in scope.
- Temenos: Global core banking software provider offering PSD2/open banking APIs as part of its banking platform suite. Already a named LUXHUB technology partner (2018) but also a broader incumbent in the same regulatory-compliance ecosystem for banks.
- Tink (Visa): European open banking platform owned by Visa, providing PSD2 APIs, account aggregation, payment initiation, and risk insights across 20+ European markets. Comparable to LUXHUB's ONE CONNECT/ONE PAY products and broader XS2A offering, with greater geographic reach post-Visa acquisition.
Direct peers
- Yapily: UK- and EU-headquartered open banking infrastructure provider offering AISP/PISP connectivity, VRP, and account aggregation APIs. Directly competes with LUXHUB in pan-European PSD2 connectivity for both banks and TPPs.
- Token: Open banking payment network and API platform focused on account-to-account payments, VRP, and PSD2 connectivity across the UK and Europe. Direct competitor to LUXHUB in payment initiation services and open banking connectivity.
- TrueLayer: Europe-based open banking API platform providing PSD2-compliant account information and payment initiation services to banks, fintechs, and merchants. Direct head-to-head competitor to LUXHUB in the European AISP/PISP connectivity space.
Emerging players
- Verestro: European fintech-as-a-service provider offering PSD2 APIs, payment processing, and open banking connectivity to banks and fintechs. Overlaps with LUXHUB's ONE CONNECT/ONE PAY products as a competing API infrastructure layer for European financial institutions.
Regional players
- Stanchion Payments: South Africa-headquartered payments solutions provider expanding into European open banking and PSD2 services. Adjacent to LUXHUB's compliance and connectivity offerings, with comparable B2B fintech infrastructure positioning.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks7 records
Key highlights7 records
Customer concentration
LUXHUB social profiles
Digital presenceLUXHUB compliance and trust
Trust signalCompliance4 records
LUXHUB financial estimates
Financial estimateRevenue estimate
Valuation estimate
LUXHUB leadership team
Management profileNumber of profiles
Profiles5 records
LUXHUB funding detail
Funding detailFunding overview
Funding rounds1 record
Investors4 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
LUXHUB 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 LUXHUB
What does LUXHUB do?
LUXHUB provides a mutualized Open Banking and Finance platform that delivers PSD2 XS2A compliance, AML/IBAN and CESOP regulatory reporting, Verification of Payee, and fraud intelligence connectivity for banks and PSPs. Its ONE CONNECT, ONE PAY, and ONE DATA+ products enable account aggregation, payment initiation, and enriched financial data services, while the LUXHUB Marketplace allows fintechs to distribute solutions to financial institution clients.
Is LUXHUB a public or private company?
LUXHUB is a private company. It is classified as corporate owned and is currently operating.
When was LUXHUB founded?
LUXHUB was founded in 2018. It employs 11 to 50 people.
Where is LUXHUB based?
LUXHUB is headquartered in Strassen, Luxembourg, in the Europe region.
How does LUXHUB make money?
Three revenue lines are on record. Compliance Platform Services are the primary driver. The others are open Banking Connectivity Solutions and marketplace Collaboration Platform.
Who are LUXHUB's main competitors?
Broad incumbents on record are Worldline, Finastra, Plaid, Temenos and Tink (Visa). Direct peers are Yapily, Token and TrueLayer. Verestro is listed as an emerging player. Stanchion Payments is listed as a regional player.
Does LUXHUB have an API?
Yes. LUXHUB provides a mutualized PSD2 XS2A API platform enabling ASPSPs to comply with PSD2 regulatory requirements. The platform handles millions of API calls monthly and is adopted by more than 40 ASPSPs across Europe. It provides API management for ASPSP XS2A interfaces, TPP authorization with eIDAS certificate validation, TPP onboarding and mandatory helpdesk support, real-time API performance monitoring, and regulatory alerts. The Developer Portal offers no-contract access to PSD2 APIs in test/sandbox environments. The platform supports Berlin Group NextGenPSD2 and STET standards. Developer documentation is at marketplace.luxhub.com/products.
What industry is LUXHUB in?
LUXHUB's product category is Open Banking and Financial Compliance Software. Its primary akta.pro industry code is FSAMAFAA, Open Banking APIs & Connectivity. Its NAICS code is 52232 and its SIC code is 6099.