Aurea Hub
Aurea Hub is a Milan-based fintech infrastructure provider that offers EU-native, modular blockchain finance software — wallets, cards, cross-border payments, tokenized RWA, and yield vaults — to banks, fintechs, merchants, and consumers via a single API.
- Company typePrivate
- Founded2023
- HeadquartersMilan, Italy
- Headcount1–10
- GTM typeB2B and B2C
- OfferingSoftware
What Aurea Hub does
Aurea Hub S.r.l. is an Italian fintech infrastructure provider incorporated in Milan that builds 100% EU-native blockchain finance software for banks, neobanks, fintechs, merchants, payment service providers, and asset managers. The platform is composed of six modules — White-Label Infrastructure, Wallet-as-a-Service, Cross-Border Payments, Tokenized RWA, Card Programs, and Passive Yield Vaults — accessed via a single API and built on Base blockchain with non-custodial Web3Auth MPC/TSS architecture, four payment rails (SEPA Instant, card networks, stablecoin, Monerium), and built-in compliance middleware (KYC/KYB/AML/travel rule). Underlying customer-facing products include the Aurea App (iOS/Android) and Aurea Pay, a multi-rail checkout with 2-second settlement across 60+ currencies.
Aurea monetizes through three streams: consumer-facing transaction fees (1.5% flat on crypto buy/sell, 1.49% on wallet top-ups), enterprise white-label platform licensing (annual subscription, undisclosed terms), and interchange/card and conversion-spread economics on issued cards. It goes to market through a hybrid model — direct enterprise field sales with sandbox-keyed demos for banks and fintechs, plus self-serve app distribution and a referral program (15 stablecoins per qualified user) for individuals. Aurea is a pure technology provider; all regulated activities (IBAN/SEPA banking, EMI, card issuing, VASP) are routed through licensed partners including Wirex, Monerium, Gnosis Pay, Noah, Circle (USDC), and Transak. The company supports six primary customer segments, with banks/neobanks, fintech, merchants, and individual consumers marked as primary.
Aurea has disclosed $260,916 in funding (January 2025), exhibits a 1–10 employee footprint, no disclosed ARR, and references small-scale pilots and case studies (Quantix Italia, BPER Bank, Node Clinic). Press mentions span Forbes, Affari Italiani, BeBeez, La Mia Finanza, and TGcom24, and the company has appeared at FinovateEurope 2026 (London) and EU-Startups Summit 2026 (Malta). Reporting governance is led by Joint CEO & Co-Founder Filiberto Tasca, with no further leadership or ownership detail disclosed.
Aurea Hub firmographics
Firmographics- Name
- Aurea Hub
- Legal name
- Aurea Hub S.r.l.
- Website
- https://aureahub.com
- Company type
- Private
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Aurea Hub is a Milan-based fintech infrastructure provider that offers EU-native, modular blockchain finance software — wallets, cards, cross-border payments, tokenized RWA, and yield vaults — to banks, fintechs, merchants, and consumers via a single API.
- Ownership category
- akta.pro rank
Aurea Hub industry classification
Industry- Product category
- Blockchain Finance Infrastructure
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Depository Credit Intermediation (5221)
- SIC
- Finance Services (6199), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)
- akta.pro primary industry
- Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)
- akta.pro secondary industries
- Wallet Infrastructure (SDKs, Wallet-as-a-Service) (FSADACAD), Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE), Crypto Payment Gateways & Checkout APIs (FSADAIAA), Tokenized Collateral & On-Chain Credit Infrastructure (Collateral Mgmt, Liquidations) (FSAGAMAK), Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN)
Keywords
Where Aurea Hub is headquartered
LocationHeadquarters
- HQ city
- Milan
- HQ country
- Italy
- HQ region
- Europe
Offices1 record
Markets served
Aurea Hub business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales, Others
Revenue model
- Transaction Fees and Spreads: Aurea charges transaction fees on crypto purchases and sells. Exchange features a flat 1.5% fee with no surprises. Wallet top-up charges 1.49% fixed fee with no hidden costs or spread on conversions.
- Enterprise Platform Licensing: White-label infrastructure licensing to banks, fintech, and merchants. Enterprise API access with 12-month initial term and automatic annual renewal.
- Interchange and Card Fees: Revenue from transaction interchange fees, card issuance fees, and conversion spreads when users spend via Aurea-branded payment cards.
- Referral Program: Referral bonus of 15 stablecoins for each qualified end-user who completes onboarding and orders a Gnosis Pay Card, with 50 stablecoin transaction threshold within 30 days.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Crypto Exchange - Flat fee model |
| Transaction based/ take rate | Pay-as-you-go | Wallet Top-Up |
| Other | Pay-as-you-go | Referral Program |
| Subscription | Annual | Enterprise White-Label Infrastructure |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels8 records
Aurea Hub product offering
Product offeringCore offering
Aurea Hub is an EU-native blockchain finance infrastructure provider offering a modular, API-accessible platform composed of six modules: White-Label Infrastructure, Wallet-as-a-Service, Cross-Border Payments, Tokenized RWA, Card Programs, and Passive Yield Vaults. The platform enables banks, fintechs, merchants, payment service providers, and asset managers to integrate wallets, cards, multicurrency accounts, SEPA Instant and stablecoin payment rails, and yield-bearing products under their own brand. Aurea also operates a consumer-facing Aurea App and a merchant payment acceptance product called Aurea Pay.
Differentiator
Problem solved
Functional benefit
Brands
- Aurea Pay: Aurea Pay is a single checkout product that accepts any payment rail — fiat, stablecoin, or instant bank — routed through audited compliance. Features 2-second settlement and 60+ currencies.
- Passive Yield Vaults
- Card Programs
- Tokenized RWA
Products and services
- White-Label Infrastructure White-label deployment of Aurea's full financial stack (wallets, cards, accounts) for banks, fintech companies, and merchants to launch branded digital finance products without building infrastructure from scratch.
- Wallet-as-a-Service API-accessible wallet infrastructure supporting custodial, non-custodial, and MPC architectures with built-in policy engine and recovery options, serving as the gateway to Web3 integration for enterprise clients.
- Cross-Border Payments International payment infrastructure supporting SEPA, stablecoin, and 27+ currency corridors enabling borderless liquidity for global transactions with multicurrency ledger capabilities.
- Tokenized RWA Real-world asset tokenization infrastructure enabling fractional ownership of US Treasuries, blue-chip equities, funds, and receivables with bankruptcy-remote structure and integrated on-chain KYC/AML.
- Card Programs White-label physical and virtual card issuance platform with Just-in-Time conversion at point of sale, sub-account management, and acceptance at 100M+ merchants globally via the VISA network.
- Passive Yield Vaults Institutional-grade automated yield infrastructure for idle assets offering Standard Vaults (stablecoin-only), Pro Vaults (diversified DeFi), and Institutional Bespoke Vaults, with annual returns up to 18% on a non-custodial architecture.
- Aurea Pay Merchant payment acceptance product enabling businesses to accept payments via SEPA, debit cards, Apple Pay, Google Pay, and stablecoin with automatic conversion to USDC on the Base blockchain, delivered as drop-in widget, hosted page, or SDK with 2-second settlement.
- Aurea App Consumer-facing multi-chain wallet application for iOS and Android combining traditional banking features with crypto and Web3 capabilities, including fiat and crypto balance management, cross-border payments, WalletConnect-enabled dApp access, yield on idle balances, and virtual or physical debit card spending.
Quantifiable outcome
- Replaced six vendors with single Aurea platform, reducing audit complexity
- +4 more outcomes
Companies that use Aurea Hub
Customer profileNamed customers3 records
Segments6 records
Ideal customer profiles5 records
Aurea Hub technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration11 records
AI capability3 records
Feature8 records
Aurea Hub partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered core, flagship and strategic.
- Gnosis Pay Co LtdcorePayment card services provider. Issues physical and virtual Gnosis Pay cards on Visa network. Manages non-custodial wallet on Gnosis Chain blockchain. Provides cashback programme. Handles KYC verification via SumSub.
- Monerium EMI ehfcoreEuropean electronic money institution authorized under Icelandic law. Provides dedicated IBAN and SEPA transfers in EURe stablecoins on blockchain. EEA passporting across European Economic Area. MiCA-compliant VASP registration.
- Noah LT, UABcoreLithuanian VASP (Virtual Asset Service Provider). Noah Rail financial partner processing international payments. Handles KYC/KYB, hosted checkout for SEPA/debit cards/Apple Pay/Google Pay. EUR to USDC conversion and SEPA payouts.
- Sum and Substance Ltd (SumSub)coreIdentity verification provider for KYC/KYB processes. Handles document uploads, selfie verification, and liveness checks for regulatory compliance. Used by Gnosis Pay and Monerium.
- TransakcoreCrypto on-ramp and off-ramp provider. Enables fiat-to-crypto purchases via bank transfer, debit/credit card, Apple Pay, Google Pay. Supports 160+ tokens across 150+ countries. Handles KYC verification for crypto transactions.
- VisaflagshipPayment network partner for card issuance and global merchant acceptance. Aurea-branded cards operate on Visa network with 100M+ merchant acceptance worldwide.
- AlgorandstrategicBlockchain infrastructure partner. Listed as trusted partner in Aurea ecosystem for on-chain finance operations.
- WirexcoreDigital banking partner providing personal EUR IBAN for Aurea users. Handles SEPA transfers, bank transfers, and upcoming Aurea Card issuance. Full KYC/AML compliance.
- Web3AuthcoreMPC/TSS wallet infrastructure provider. Enables seedless wallet backup and secure private key derivation. Powers 2FA and account recovery via Firebase authentication.
- WalletConnectcoreWeb3 connectivity protocol enabling Aurea wallet connection to decentralized applications. Supports Uniswap, Folks Finance, and hundreds of other dApps.
- Circle Internet Financial, LLCcoreUSDC stablecoin issuer. Aurea supports USDC via Noah Rail with on/off ramps and treasury controls. MiCA-compliant stablecoin.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
Aurea Hub competitors and assessment
Company assessmentBroad incumbents
- Stripe: Stripe is a global payments incumbent that has expanded into embedded finance, issuing, and stablecoin rails (notably via its acquisition of Bridge). It competes with Aurea in merchant payment acceptance, embedded payments APIs, and increasingly stablecoin infrastructure for European businesses.
- Adyen: Adyen is a global payments platform offering unified acquiring, processing, and banking-as-a-service infrastructure for large merchants and platforms. It competes with Aurea in cross-border payments, multicurrency accounts, and platform payment infrastructure.
Direct peers
- Circle: Circle is the issuer of USDC and a provider of stablecoin payment and treasury APIs for enterprises. It overlaps directly with Aurea's USDC integration, Tokenized RWA infrastructure, and programmable money APIs, and is both an Aurea partner and a competitive threat as it builds its own developer platform.
- Bridge (now part of Stripe): Bridge (acquired by Stripe) provided stablecoin-as-a-service APIs for issuing, sending, and accepting USDC. It is a direct competitor in the embedded stablecoin payments space that Aurea targets with Aurea Pay and its Noah rail.
- Fireblocks: Fireblocks provides digital asset custody, wallet-as-a-service, and tokenization infrastructure to banks and fintechs. It overlaps with Aurea's Wallet-as-a-Service, Tokenized RWA, and enterprise white-label modules, particularly for institutional clients.
- Solaris SE: Solaris is a European Banking-as-a-Service platform offering IBANs, card issuing, KYC, and payments to fintechs and merchants. It is a direct competitor to Aurea's White-Label Infrastructure and Card Programs modules in the EU market.
- Treezor: Treezor (a Société Générale subsidiary) is a French BaaS provider offering payment accounts, card issuance, and KYC infrastructure under EU regulation. It competes with Aurea's embedded finance and card program offerings for European fintech clients.
Emerging players
- Privy: Privy provides wallet infrastructure and embedded wallets-as-a-service for crypto and fintech applications using MPC and key management. It overlaps with Aurea's Wallet-as-a-Service module, particularly for developers building consumer crypto experiences.
- Gnosis Pay: Gnosis Pay is a crypto-native card issuer on the Visa network with a non-custodial wallet. It is both an Aurea integration partner (card programs) and a partial competitor in the EU consumer crypto card space.
- Monerium: Monerium is an Icelandic e-money institution issuing EURe, a MiCA-conformant stablecoin on blockchain with SEPA IBANs. It is both an Aurea partner (providing the Monerium rail) and a competitor in regulated EU stablecoin payment infrastructure.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat6 records
Key risks6 records
Key highlights6 records
Customer concentration
Aurea Hub social profiles
Digital presenceAurea Hub compliance and trust
Trust signalCompliance4 records
Aurea Hub financial estimates
Financial estimateRevenue estimate
Valuation estimate
Aurea Hub leadership team
Management profileNumber of profiles
Profiles1 record
Aurea Hub funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Aurea Hub 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 Aurea Hub
What does Aurea Hub do?
Aurea Hub is an EU-native blockchain finance infrastructure provider offering a modular, API-accessible platform composed of six modules: White-Label Infrastructure, Wallet-as-a-Service, Cross-Border Payments, Tokenized RWA, Card Programs, and Passive Yield Vaults. The platform enables banks, fintechs, merchants, payment service providers, and asset managers to integrate wallets, cards, multicurrency accounts, SEPA Instant and stablecoin payment rails, and yield-bearing products under their own brand. Aurea also operates a consumer-facing Aurea App and a merchant payment acceptance product called Aurea Pay.
Is Aurea Hub a public or private company?
Aurea Hub is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Aurea Hub founded?
Aurea Hub was founded in 2023. It employs 1 to 10 people.
Where is Aurea Hub based?
Aurea Hub is headquartered in Milan, Italy, in the Europe region.
How does Aurea Hub make money?
Four revenue lines are on record. Transaction Fees and Spreads are the primary driver. The others are enterprise Platform Licensing, interchange and Card Fees and referral Program.
Who are Aurea Hub's main competitors?
Broad incumbents on record are Stripe and Adyen. Direct peers are Circle, Bridge (now part of Stripe), Fireblocks, Solaris SE and Treezor. Emerging players are Privy, Gnosis Pay and Monerium.
Does Aurea Hub have an API?
Yes. Aurea offers API access for enterprise integration, enabling white-label digital banking and finance infrastructure. The platform provides APIs for wallet-as-a-service, stablecoin integration, multicurrency accounts, programmable compliance (KYC/AML, travel rule, risk scoring), and programmable ledger functionality. APIs are available to enterprise customers who integrate the platform into their digital channels. Sandbox keys are provided for testing before production deployment. Developer documentation is at docs.aureahub.com.
What industry is Aurea Hub in?
Aurea Hub's product category is Blockchain Finance Infrastructure. Its primary akta.pro industry code is FSAGALAB, Embedded Payments (Pay-ins, Pay-outs, Wallets), with a secondary code of FSADACAD, Wallet Infrastructure (SDKs, Wallet-as-a-Service). Its NAICS code is 52232 and its SIC code is 6199.