Geniusto International Ltd.

What Geniusto International Ltd. does

Geniusto International Ltd. is a private Australia-headquartered (Subiaco, Perth) software company that builds and sells the [GO] Suite, a modular digital economy management platform for regulated financial institutions including traditional banks, electronic money institutions (EMIs), neobanks, payment service providers (PSPs), and credit unions. Founded in 2002 with a significant 2022 rebranding, the company operates globally with deployments across Europe, the UK, the Baltics, Cyprus, Bulgaria, the Philippines, Nigeria, South Africa, the UAE, and increasingly LATAM and Malaysia. Geniusto has approximately 51-100 employees and is led by Group CEO Matthew Edmunds and CTO Andrei Pavlov, with a Pre-Series B funding round announced in April 2023.

The [GO] Suite is built on an open-architecture, low-code, API-first foundation organized around four modular products: [GO] Omni-channel (mobile and internet banking, AI-powered engagement/marketing, multi-channel configuration), [GO] Onboarding (EKYC/EKYB with biometric liveness checks and AI-driven verification), [GO] Core Banking (cloud-based general ledger, CRM, customer screening/monitoring, configurable risk scoring, and a real-time data warehouse), and [GO] Payment (cross-border, multi-currency payment orchestration with 80+ native integrations spanning SWIFT, SEPA, SEPA Instant, TARGET2, ACH/RTP, and national rails such as InstaPay). The platform supports multi-tenant and multi-entity deployments, allowing upstream licensees to sublease banking-as-a-service (BaaS) capabilities to downstream customers, and it carries PSD2 compliance plus ISO 27001 and ISO 9001 certifications, with a SWIFT Technology Partner Programme membership added in January 2025.

Geniusto monetizes through enterprise software licensing and multi-year subscription contracts combined with professional services for implementation and integration, delivered directly and via regional consulting/implementation partners such as HT Consulting (Malaysia), SPI (LATAM), Fintegrator (Cyprus), FinCause (Lithuania), and Orange & Bronze. Pricing is custom with no publicly disclosed rates. Named customers span European banks and EMIs (Rietumu Banka, Ebury Mass Payments UK/Santander, UAB Walletto, TeslaPay, TomPayment, Andaria Capital, Banxe, Hapic, FinCause, Amaiz, MR2), Philippines thrifts and rural banks (Agribank, Cantilan Bank, CSBank), other neo-banks and fintechs, plus telecommunications (Vivacom). GTM is sales-led with enterprise field sales and a heavy industry-event presence (Money20/20, iFX EXPO, DigiBank Summit) layered with an emerging partner/BaaS channel.

Name

Geniusto International Ltd.

Legal name

Geniusto International Limited

Website

https://geniusto.com

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

51–100 employees

Short description

Geniusto International Ltd. is an Australia-headquartered software vendor selling the [GO] Suite — an open-architecture, low-code digital banking and payments platform — to banks, EMIs, neobanks, and PSPs globally via enterprise licensing and BaaS partner channels.

Ownership category

akta.pro rank

Product category

Digital Banking Platform

NAICS

Computer Systems Design and Related Services (54151), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518210)

SIC

Services-Prepackaged Software (7372), Services-Computer Programming Services (7371)

akta.pro primary industry

Core Banking & Ledger Systems (Cloud Core, Deposits, Accounts) (FSAGAAAC)

akta.pro secondary industries

Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE), Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN)

Keywords

• Digital banking platform
• Core banking software
• Banking-as-a-service
• Payment orchestration
• KYC onboarding software

Headquarters

HQ city

Perth

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Software Licensing / Platform Subscription: Geniusto licenses its [GO] Suite platform to financial institutions (banks, EMIs, PSPs). The platform is modular, allowing institutions to purchase specific products (Omni-channel, Onboarding, Core Banking, Payments). Pricing is custom/enterprise-level with no publicly disclosed rates. The company announced a Pre-Series B funding round in April 2023, suggesting it may pursue additional equity capital alongside licensing revenue.
2. Professional Services: Implementation, customisation, and integration services delivered through the company's own team and a network of implementation/consulting partners. Professional services support multi-tenant platform deployments and integrations with core legacy systems.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels6 records

Core offering

Geniusto sells the [GO] Suite, an open-architecture, low-code digital economy management platform that enables banks, electronic money institutions (EMIs) and payment service providers to launch and operate digital banking, onboarding, core banking and payment orchestration services. The platform is built around an API Hub with 80+ native integrations (including SWIFT, SEPA and national payment rails) and supports multi-tenant and multi-entity deployments on cloud or on-premise infrastructure.

Product overview

Geniusto offers the [GO] Suite, a modular digital economy management platform built on open architecture for banks, EMIs, and payment providers. The suite comprises four core products ([GO] Omni-channel for digital-first web and mobile banking experience, [GO] Onboarding for KYC/KYB customer acquisition, [GO] Core Banking for cloud-based ledger and account management, and [GO] Payment for end-to-end payment orchestration) unified by [GO] Connect API Hub providing 80+ native integrations. Additional modules include Engage Marketing (AI-powered customer engagement), Internet Banking, Mobile Banking (Android/iOS), General Ledger & CRM, Customer Screening/Monitoring, Customer Scoring, Transaction Monitoring & AML, Data Warehousing, EKYC/KYB, Multi-Tenant BaaS capabilities, Multi-Entity management, and Real-Time Payments connectivity (SEPA Instant, TARGET2, InstaPay). The platform enables institutions to launch digital banking services in weeks with low-code configuration.

Differentiator

Problem solved

Functional benefit

Brands

• [GO] Suite: The all-in-one open architecture digital economy management suite designed to extend and adapt to any legacy system. Comprises four products: [GO] Omni-channel, [GO] Onboarding, [GO] Core Banking, and [GO] Payments.
• [GO] Omni-channel
• [GO] Onboarding
• [GO] Core Banking
• [GO] Payment
• [GO] AI Lab

Products and services

• [GO] Suite An open-architecture digital banking platform suite for banks, EMIs and payment providers, unifying omni-channel experience, onboarding, core banking and payments through an API Hub with 80+ native integrations.
• [GO] Omni-channel Fully customisable web and mobile banking experience across customer segments and channels, with biometrics, multi-factor authentication, AI-powered sales engine and low-code configuration.
• [GO] Onboarding Hyper-scale customer onboarding solution offering configurable KYC/KYB, AI-powered liveness checks, face comparison, physical card scanning, biometric signups and company ownership mapping.
• [GO] Core Banking Next-generation cloud ledgering system for unlimited accounts across multiple entities and jurisdictions, with integrated CRM, automated compliance, configurable risk scoring and real-time data warehousing.
• [GO] Payment Low-code payment orchestration solution supporting multiple channels, currencies and instruments, with inter-bank transfers, scheduled/recurrent payments, bill payments, cross-border payments and AI-powered AML monitoring.
• [GO] AI Lab Geniusto's artificial intelligence research and development initiative launched in 2024 to deliver AI-driven capabilities across the [GO] Suite for financial services clients.

Quantifiable outcome

• 1M Latvians in Riga powered by Geniusto-built digital transport ticketing via TransactPro app
• +4 more outcomes

Named customers18 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

AI capability9 records

Feature16 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• HT Consulting (Asia)coreImplementation/ SI/ Consulting Partner · 23 July 2025Geniusto partnered with HT Consulting (Asia) to drive digital banking expansion in Malaysia. HT Consulting serves as the local implementation and consulting partner supporting Geniusto's market entry and customer deployments in the Malaysian market.
• SPI (Strategic Partners International)coreStrategic or Co-development Partner · 17 February 2025Geniusto and SPI forged an exclusive partnership to drive digital banking innovation in LATAM (Latin America). SPI serves as Geniusto's strategic partner for expansion into the Latin American market, enabling Geniusto to serve regional financial institutions.
• SWIFTcoreTechnology or Integration · 15 January 2025SWIFT appointed Geniusto as a technology partner through the SWIFT Partner Programme (announced January 2025). This validates Geniusto's integration capabilities within the global financial messaging infrastructure and enables deeper SWIFT connectivity for its [GO] Suite customers.
• FinCausecoreTechnology or Integration · 8 February 2024Lithuanian fintech company FinCause, authorised by the Lithuanian banking regulator in 2023, selected Geniusto's [GO] Digital Banking Suite as its long-term technology partner for European launch. Focus on enabling cross-border payments with Asia. Geniusto already had established footprint in SE Asia, making this partnership strategic for cross-regional growth.
• Austrade (Australian Trade and Investment Commission)minorGTM or Marketing Partner · 25 September 2023Geniusto was invited by Austrade to join the Australian mission to the Asian Development Bank Business Opportunities Fair (ADB 2023) in Manila, Philippines. Austrade supports Australian companies' international expansion and market access.
• UAB WallettocoreStrategic or Co-development Partner · 12 July 2022Geniusto partnered with Lithuanian Electronic Money Institution UAB Walletto to provide the [GO] Digital Banking Management Suite — Mobile and Internet banking, Payment System, Back Office and On-boarding & KYC solution. Walletto uses Geniusto's multi-tenant support enabling B2B2C operations to serve downstream customers under a single instance system.
• Andaria CapitalcoreTechnology or IntegrationUK-based Andaria Capital used Geniusto's multi-tenant [GO] Suite to offer banking platform services to downstream customers without large capital investment. Setting up a multi-tenant system offered speed, flexibility, and affordability. This innovative BaaS approach created additional revenue streams for Andaria.
• OradiancoreTechnology or IntegrationGeniusto worked with Oradian on the Agribank (Philippines) mobile banking deployment. Oradian provides cloud-native core banking for the institution while Geniusto delivers the mobile/omni-channel layer. Oradian powers financial institutions in 12 countries serving over 10 million people. This partnership demonstrates Geniusto's ability to integrate with best-of-breed core banking systems.
• Tribe PaymentscoreTechnology or IntegrationGeniusto enabled TomPayment to become an issuing institution through seamless integration with Tribe Payments. Geniusto's platform facilitated real-time card management for TomPayment with a Mastercard debit card, combining Geniusto's [GO] Suite with Tribe's card issuer processing.
• FintegratorminorImplementation/ SI/ Consulting PartnerFintegrator is described as an esteemed partner of Geniusto in the Cyprus market. A Fintegrator representative provided positive feedback on Geniusto's market positioning: 'a healthy middleground between the end-to-end inflexible providers and the super flexible but disjointed solution providers, with focus on PSP, EMI and neo-banks.'

Scale indicators8 records

Recent moves7 records

Expansion highlights7 records

Direct peers

• Mambu: Mambu is a cloud-native core banking SaaS platform serving neobanks, EMIs, and traditional banks — directly comparable to Geniusto's [GO] Core Banking and [GO] Suite. Both target the bank-in-a-box use case with composable architecture for EMIs and digital banks globally.
• Thought Machine: Thought Machine provides cloud-native core banking technology (Vault) to incumbent and challenger banks — directly competing with Geniusto in core banking modernization. Both target Tier 1 and Tier 2 banks seeking modern, API-first core infrastructure.
• Backbase: Backbase is an Engagement Banking Platform that sits on top of legacy or modern cores to deliver unified digital banking experiences — directly comparable to Geniusto's [GO] Omni-channel and layered modernization approach.

Broad incumbents

• Temenos: Temenos is a global incumbent in core banking software with a broad portfolio (Temenos Transact, Infinity) serving thousands of banks across all tiers. It competes with Geniusto for EMI and traditional bank modernization deals but at much greater scale and product breadth.
• Marqeta: Marqeta is a card-issuing and embedded payments platform enabling fintechs and banks to launch card programs — comparable to Geniusto's payment orchestration and Tribe Payments/Mastercard integration capabilities.
• Oracle Financial Services: Oracle Financial Services provides core banking, analytics, and digital experience platforms to large incumbent banks globally. It competes with Geniusto in core banking modernization, particularly at Tier 1 banks with Oracle Database/Sun systems heritage.
• FIS (Fidelity National Information Services): FIS is a global incumbent banking technology provider with broad capabilities across core banking, payments, and capital markets. It is the specific incumbent Geniusto displaced in the Ebury Mass Payments RFP and continues to compete across Geniusto's addressable market.

Emerging players

• Solaris SE: Solaris is a Berlin-based Embedded Finance platform providing banking-as-a-service infrastructure (BaaS) to fintechs and corporates across Europe. Directly comparable to Geniusto's multi-tenant BaaS offering and EMI license subleasing model.
• 10x Banking: 10x Banking is a UK-based cloud-native core banking platform serving challenger and incumbent banks (Westpac, JP Morgan) — a focused direct competitor to Geniusto's [GO] Core Banking in the cloud-native segment.
• nCino: nCino provides cloud-based banking software focused on commercial, retail, and mortgage workflows. While primarily commercial banking focused, it overlaps with Geniusto in digital onboarding, KYC, and digital banking modernization for regulated FIs.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/geniustoglobal
• Facebookfacebook.com/GeniustoGlobal

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Geniusto International Ltd.