Andaria Financial

Name

Andaria Financial

Legal name

Andaria Financial Services Limited

Website

https://andaria.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

51–100 employees

Short description

Andaria Financial is a dual-licensed Electronic Money Institution (FCA UK, MFSA Malta) offering B2B enterprises multi-currency business accounts, embedded finance infrastructure, card issuing (Visa, Mastercard, Discover), and a YouHodler-powered crypto wallet across iGaming, insurance, crypto, fintech and neobanking verticals.

Ownership category

akta.pro rank

Product category

Embedded Finance & Payment Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Credit Card Issuing (52221)

SIC

Finance Services (6199), International Affairs (9721)

akta.pro primary industry

Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)

akta.pro secondary industries

Cross-Border FX, Multi-Currency & Treasury for Payments (FSAGABAK), Cross-border/Remittance Neobanks (FSABAFAH), On/Off-Ramp Providers (Fiat↔Crypto) & Cash-In/Cash-Out Networks (FSADAIAE), Crypto Payment Gateways & Checkout APIs (FSADAIAA), Cross-Border & FX Payments Platforms (BPAMAFAK)

Keywords

• Electronic Money Institution
• Business Payment Accounts
• Embedded Finance Solutions
• Card Issuing Services
• Multi-Currency Payment Platform

Headquarters

HQ city

Valletta

HQ country

Malta

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Payment Account Services: Monthly or per-transaction fees for multi-currency business payment accounts, including IBAN issuance, domestic and international transfers, and multi-rail payment processing.
2. Card Programme Fees: Revenue from BIN sponsorship arrangements, card issuing fees (debit and prepaid), and transaction fees on card payments. Partners can monetize through fees, premium tiers, or transaction volumes.
3. Embedded Finance Licensing: White-label embedded finance infrastructure licensed to partners, enabling them to offer branded payment accounts, cards, and financial services under Andaria's regulatory umbrella.
4. Crypto Services: Fees generated from crypto wallet services, asset conversion, and transaction processing through the YouHodler-powered platform.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

Andaria Financial is a dual-licensed Electronic Money Institution (EMI) regulated by the FCA in the UK and MFSA in Malta, providing business-to-business payment infrastructure. It offers multi-currency business payment accounts (25+ currencies) with dedicated vIBANs, white-label embedded finance infrastructure, BIN sponsorship and card issuing under Visa, Mastercard, and Discover schemes, and an integrated crypto wallet (powered by YouHodler) for fiat-crypto interoperability. The platform serves enterprises across iGaming, insurance, crypto, fintech, and neobanking verticals.

Product overview

Andaria Financial operates as a dual-licensed Electronic Money Institution (EMI) in the UK and Malta, offering an integrated financial infrastructure platform comprising four core product lines: Business Payment Accounts (multi-currency payment accounts with embedded crypto capabilities), Embedded Finance (white-label infrastructure-as-a-service for ecosystem monetisation), Card Programmes (BIN sponsorship for debit/prepaid card issuing via Visa, Mastercard, and Discover), and Andaria Crypto (YouHodler-powered cryptocurrency wallet integrated directly into Business Payment Accounts). The platform is API-first and designed for B2B use cases across verticals including insurance, iGaming, crypto, and financial services.

Differentiator

Problem solved

Functional benefit

Brands

• Andaria Crypto: A crypto wallet solution powered by YouHodler that connects with Andaria's Corporate Account, enabling businesses to send, receive, purchase, hold, and convert digital assets directly from the Andaria platform.

Products and services

• Business Payment Accounts Multi-currency business payment accounts enabling businesses to send, receive, and manage payments across borders. Supports up to 25 currencies with dedicated vIBANs, real-time local payments, international transfers via SWIFT, SEPA, and Faster Payments, and bulk payment capabilities. Includes embedded crypto integration via Andaria Crypto.
• Embedded Finance Infrastructure-as-a-service platform enabling businesses to embed financial services into their ecosystems. Provides API-ready payment accounts, branded debit cards (physical and virtual), multi-currency support, and built-in compliance checks. Allows partners to monetise their customer base through fees, premium tiers, or transaction volumes.
• Card Programme (BIN Sponsorship) Card issuing programme providing BIN sponsorship for debit and prepaid cards. Enables direct connectivity with Visa, Discover, and Mastercard for global acceptance. Offers white-label solutions with physical and virtual card types for both corporate and consumer programmes. Handles licensing complexity, scheme membership, transaction monitoring, disputes, and settlements.
• Andaria Crypto Cryptocurrency wallet integrated into Business Payment Accounts, powered by YouHodler. Enables businesses to send, receive, hold, and convert digital assets including stablecoins directly within the Andaria ecosystem. Features include global crypto transfers, fiat-crypto conversion, and staking capabilities for earning interest on holdings.

Quantifiable outcome

• Onboarding completed in under 7 days
• +3 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability2 records

Feature8 records

Partnerships

Five partnerships are on record, tiered core and supporting.

• YouHodlercoreTechnology or Integration · 26 January 2026White-label crypto platform partnership where YouHodler provides the crypto wallet infrastructure powering Andaria Crypto. The platform enables businesses to send, receive, hold, and convert digital assets directly within Andaria's regulated payment ecosystem. YouHodler Italy S.r.l. is registered as a VASP with OAM. This partnership enables Andaria to offer integrated crypto services without operating its own crypto-asset platform.
• VisacoreTechnology or Integration · 1 January 2025Principal Membership with Visa, enabling Andaria to issue Visa-branded cards directly and access Visa's global infrastructure, compliance frameworks, and technology stack including card tokenization and digital enablement. Combined with existing Mastercard and Discover memberships, this makes Andaria one of the few EMIs globally with direct membership across three major card schemes.
• MastercardcoreTechnology or IntegrationPrincipal membership enabling direct card issuing under Mastercard scheme with access to global acceptance network and value-added services.
• DiscovercoreTechnology or IntegrationPrincipal membership providing access to Discover's global card scheme network alongside Visa and Mastercard.
• SumSubsupportingTechnology or IntegrationKYC verification provider powering fast, secure identity verification for client onboarding across Andaria's embedded finance platform.

Scale indicators6 records

Recent moves11 records

Expansion highlights6 records

Direct peers

• Modulr: UK FCA-authorised EMI offering payments, accounts, and embedded-finance infrastructure to businesses — a like-for-like regulated competitor to Andaria's UK entity serving similar B2B platform clients.
• Mangopay: European payment-orchestration and wallet provider focused on marketplaces and platforms, offering multi-currency accounts and acquiring under its own EMI licence — directly comparable to Andaria's multi-currency accounts and embedded-finance infrastructure for platform clients.
• Solaris SE: Berlin-based Banking-as-a-Service platform offering embedded finance infrastructure (accounts, cards, payments, lending) under its own banking licence to European partners — a direct competitor to Andaria's embedded-finance / BIN sponsorship offerings for B2B platforms.
• Rapyd: Global Fintech-as-a-Service network providing accounts, card issuing, acquiring, and cross-border payments via a single API — a scaled, direct competitor to Andaria's combined payments + cards + multi-currency proposition for B2B platforms.
• Paydo: Malta-based fintech providing multi-currency business accounts, acquiring, and mass-payouts to merchants and platforms across EEA/UK — directly comparable to Andaria's Malta-anchored multi-currency and embedded payments offering.
• Marqeta: Modern card-issuing platform providing BIN sponsorship, processing, and tokenisation to fintechs and embedded-finance partners — closely comparable to Andaria's Card Programme / BIN Sponsorship product line for debit and prepaid cards.
• Banking Circle: Luxembourg-based, FCA/DFSA-regulated payments bank offering multi-currency accounts, cross-border payments, and BaaS to fintechs and corporates — a direct competitor to Andaria's multi-currency IBAN, SWIFT/SEPA, and embedded-finance stack.

Broad incumbents

• ClearBank: UK-regulated clearing bank offering real-time payments, accounts, and BaaS infrastructure to fintechs — overlaps with Andaria's regulated payments and account offering but operates at significantly larger scale.
• Stripe Issuing: Card-issuing and embedded-banking product within Stripe's broader payments stack; not a regulated EMI itself but competes with Andaria's BIN sponsorship and embedded finance for the same fintech/platform customer base globally.

Emerging players

• Banked: Emerging payments-as-a-service platform offering account-to-account payments and card programmes via partner banks — comparable niche focus to Andaria on regulated payment infrastructure for platforms.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/andaria-financial

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 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 Andaria Financial