Kauri Finance
Kauri Finance is an EU-licensed Estonian fintech that combines multi-currency banking and digital asset services on a unified platform, serving EEA individuals and businesses with IBANs, cards, crypto wallets, payments, treasury, payroll, and an API-driven developer stack.
- Company typePrivate
- Founded2018
- HeadquartersTallinn, Estonia
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Kauri Finance does
Kauri Finance (legal entity Kaurifinance OÜ, Estonian registration 14559136, headquartered in Tallinn) is an EU-licensed fintech platform that operates as a single integrated system combining traditional banking and digital asset services. Since beginning operations in 2018 under a virtual asset service provider license (FVT000328, issued 17.11.2020) and currently pursuing EMI and MiCA authorization, the company serves both individuals and businesses registered in the European Economic Area. Its CORE product provides multi-currency accounts with IBANs supporting SEPA, SEPA Instant, and SWIFT, digital asset wallets across major blockchains, and physical and virtual cards that can be funded from EUR, USD, or cryptocurrency. The modular PRO business tier adds SoftPOS (mobile POS accepting cards and crypto offline), Invoicing, branded Checkout, Payroll (global crypto and fiat payouts with automated scheduling), Exchange, Payments with crypto acquiring and automatic fiat settlement, and Treasury management. Underlying infrastructure is API-first — a single API covers accounts, cards, payments, wallets, and exchange, with SDKs, sandbox, and webhook support available on Growth and Scale plans — and is delivered under PCI DSS, ISO 27001, DORA compliance with GDPR-aligned data protection and robust AML/KYC controls.
The company's revenue model combines a freemium entry point (CORE is free to start) with paid Growth and Scale API subscriptions, transaction fees on payment processing and FX/crypto-to-fiat conversion, card issuance and transaction revenue, and payroll service fees. Distribution is dual: a self-serve product-led flow on the CORE tier with onboarding in minutes, and an enterprise field-sales motion targeting larger EEA businesses through a consultative onboarding form that captures company size, industry, and transaction volume. Customers span four primary segments — Web3 and crypto-native businesses that cannot open conventional bank accounts, e-commerce/retail merchants wanting crypto acceptance with EUR settlement, companies paying international workforces in both fiat and stablecoins, and startups/SMBs needing API-driven financial infrastructure — plus individuals as a secondary persona. The company is founder-led by Oleksii Pavlov; in March 2026, Oleksandr Usyk joined as co-founder and strategic stakeholder, pending regulatory approvals, with stated intent to support EU-wide EMI and CASP licensing expansion.
The platform is not publicly listed, has no disclosed outside funding, no disclosed revenue or ARR, and operates with a 11–50 person headcount. Its core strategic differentiator relative to standard EEA neobanks is that fiat banking and crypto are native to the same licensed system rather than retrofitted, with target users specifically being those excluded from or underserved by traditional banks (crypto-native firms, global payroll operators, merchants wanting crypto acceptance without crypto expertise). The CEO designation in available sources is Alex Pavlov (Oleksii Pavlov), and the operating address is Jõe tn 2a, Kesklinna linnaosa, Tallinn, Harju maakond, 10112.
Kauri Finance firmographics
Firmographics- Name
- Kauri Finance
- Legal name
- Kaurifinance OÜ
- Website
- https://kauri.finance
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Kauri Finance is an EU-licensed Estonian fintech that combines multi-currency banking and digital asset services on a unified platform, serving EEA individuals and businesses with IBANs, cards, crypto wallets, payments, treasury, payroll, and an API-driven developer stack.
- Ownership category
- akta.pro rank
Kauri Finance industry classification
Industry- Product category
- Digital Banking & Crypto Payments Platform
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Depository Credit Intermediation (5221)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)
- akta.pro secondary industries
- POS, QR & In-Person Acceptance Infrastructure (Crypto) (FSADAIAI), Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE)
Keywords
Where Kauri Finance is headquartered
LocationHeadquarters
- HQ city
- Tallinn
- HQ country
- Estonia
- HQ region
- Europe
Offices1 record
Markets served
Kauri Finance business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Infrastructure, Marketing or Sales, Supply Chain
Revenue model
- Subscription Plans: Tiered subscription model with CORE (basic), Growth, and Scale plans. API access with documentation, SDKs, sandbox, and webhook support included in Growth and Scale tiers.
- Transaction Processing: Fees collected on payment processing, currency exchange, and crypto-to-fiat conversions for both merchants and business accounts.
- Card Services: Revenue from physical and virtual card issuance and transaction processing.
- Payroll Services: Fees for managing employee and contractor payments globally in crypto and traditional currency.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | CORE - Free tier for individuals and businesses with multi-currency accounts, IBANs, digital asset wallets, and cards |
| Subscription | Monthly | Growth and Scale plans - API access with full documentation, SDKs, sandbox, and webhook support |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels6 records
Kauri Finance product offering
Product offeringCore offering
Kauri.finance operates an EU-licensed financial platform that combines traditional banking and digital assets in one system. Its CORE offering provides multi-currency personal and business accounts with IBANs, SEPA/SEPA Instant/SWIFT transfers, digital asset wallets across major blockchains, and cards funded from EUR, USD, or crypto. The PRO business modules add SoftPOS, Invoicing, branded Checkout, global Payroll, Exchange, Payments with crypto acquiring and EUR settlement, and multi-currency Treasury, exposed through a single API with SDKs, sandbox, and webhook support for developers.
Product overview
Kauri.finance is a unified financial platform combining traditional banking and digital assets in one system. The CORE offering provides multi-currency accounts with IBANs (supporting SEPA, SEPA Instant, and SWIFT), digital asset wallets across major blockchains, and cards funded by EUR, USD, or crypto. The PRO tier adds modular business features including SoftPOS (mobile POS terminal), Invoicing, Checkout (branded payment pages), Payroll (global payouts in crypto and fiat), Exchange, Payments (crypto acquiring with fiat settlement), and Treasury management. The platform is designed so businesses can activate only what they need and expand as they grow.
Differentiator
Problem solved
Functional benefit
Products and services
- Kauri CORE Accounts Multi-currency personal and business accounts with IBANs supporting SEPA, SEPA Instant, and SWIFT transfers; accounts can be opened in minutes via self-serve signup for individuals and businesses in the EEA.
- Digital Asset Wallets Digital asset wallets supporting major blockchains, allowing users to store and manage cryptocurrency alongside traditional funds inside the Kauri.finance platform.
- Kauri Cards Physical and virtual debit cards that can be funded from EUR, USD, or cryptocurrency balances held in a Kauri.finance account.
- SoftPOS Turns a mobile phone into a POS terminal that accepts cards and crypto offline without additional hardware, targeting merchants and field sales.
- Invoicing Create, send, and track invoices with embedded payment methods, requiring no separate integration, for businesses issuing bills in fiat and/or digital assets.
- Branded Checkout Customizable branded payment page for online businesses to accept cards, bank transfers, and digital assets, with automatic conversion to EUR for the merchant.
- Payroll Manage employees and contractors and pay teams globally in crypto and traditional currency with automated payout scheduling, from a multi-currency treasury.
- Exchange Built-in currency exchange functionality for converting between fiat currencies and digital assets at the platform level.
- Payments (Crypto Acquiring with EUR Settlement) Payment processing and settlement services including crypto acquiring that accepts crypto, stablecoin, or fiat from customers and settles merchants in EUR with tax-ready conversion documentation.
- Multi-currency Treasury Multi-currency treasury management providing full visibility across all currencies and digital assets held on the platform.
- Kauri Unified API Single REST API covering accounts, cards, payments, wallets, and exchange, with full documentation, SDKs, sandbox environment, and webhook support, sold through Growth and Scale subscription plans to startups, SMBs, enterprises, and crypto-native companies.
Quantifiable outcome
- 86% of financial institutions say they're ready for stablecoins; 700M+ people hold digital assets; $33T stablecoin volume projected for 2025
Companies that use Kauri Finance
Customer profileNamed customers5 records
Segments5 records
Ideal customer profiles5 records
Kauri Finance technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Feature6 records
Kauri Finance partnerships and signals
Strategic signalScale indicators4 records
Recent moves6 records
Expansion highlights6 records
Kauri Finance competitors and assessment
Company assessmentDirect peers
- Wirex: Crypto-friendly payments platform offering multi-currency accounts, crypto-linked debit/credit cards and IBANs across the EEA. Overlaps with Kauri on the unified fiat+crypto card and account proposition for EEA consumers and SMBs.
- BCB Group: UK/EU-regulated crypto-focused banking and payments provider offering multi-currency accounts, payments, treasury and settlement services to crypto-native businesses. Closely comparable to Kauri as a regulated 'real bank for Web3' serving exchanges and crypto companies.
- Banking Circle: EU-licensed banking-as-a-service and payments infrastructure provider offering multi-currency accounts, SEPA/SWIFT and acquiring to fintechs and crypto businesses. Comparable to Kauri on the regulated EU multi-currency + payments stack.
- Solaris SE: Berlin-based Banking-as-a-Service platform providing IBANs, cards, payments, KYC and crypto on/off-ramp infrastructure to European fintechs. Highly comparable on the embedded-finance/API-first EU banking rails layer Kauri exposes to partners.
- Modulr: UK/EU payments-as-a-service provider offering multi-currency accounts, SEPA/SWIFT rails and API-led money movement to fintechs and platforms. Comparable to Kauri's API-first multi-currency account and payments stack for business customers.
Broad incumbents
- Bitpanda: Vienna-based MiCA-regulated European crypto platform offering trading, staking, custody and increasingly cards/payments. Comparable as a broader EU-regulated incumbent converging fiat and crypto under one roof.
- Revolut: Large European neobank offering multi-currency accounts, IBANs, cards and embedded crypto trading and stablecoin features. Comparable on multi-currency + cards + crypto proposition, but at vastly greater scale and as a broader incumbent.
- Paysafe: Global specialized payments platform with acquiring, card issuing and alternative-payment-method support including crypto on-ramps. Comparable on merchant acquiring and card services for online and cross-border commerce.
Emerging players
- Alchemy Pay: Crypto-fiat payment gateway offering crypto on/off-ramps and merchant checkout with fiat settlement. Comparable to Kauri's crypto acquiring with fiat settlement and branded checkout use cases.
- BVNK: London-based payments infrastructure provider offering stablecoin and fiat payment rails for businesses, including enterprise treasury and payouts. Comparable to Kauri's multi-currency treasury and global payout corridors for crypto-native firms.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Kauri Finance social profiles
Digital presenceKauri Finance compliance and trust
Trust signalCompliance4 records
Kauri Finance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Kauri Finance leadership team
Management profileNumber of profiles
Profiles2 records
Kauri Finance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Kauri Finance 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 Kauri Finance
What does Kauri Finance do?
Kauri.finance operates an EU-licensed financial platform that combines traditional banking and digital assets in one system. Its CORE offering provides multi-currency personal and business accounts with IBANs, SEPA/SEPA Instant/SWIFT transfers, digital asset wallets across major blockchains, and cards funded from EUR, USD, or crypto. The PRO business modules add SoftPOS, Invoicing, branded Checkout, global Payroll, Exchange, Payments with crypto acquiring and EUR settlement, and multi-currency Treasury, exposed through a single API with SDKs, sandbox, and webhook support for developers.
Is Kauri Finance a public or private company?
Kauri Finance is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Kauri Finance founded?
Kauri Finance was founded in 2018. It employs 11 to 50 people.
Where is Kauri Finance based?
Kauri Finance is headquartered in Tallinn, Estonia, in the Europe region.
How does Kauri Finance make money?
Four revenue lines are on record. Subscription Plans are the primary driver. The others are transaction Processing, card Services and payroll Services.
Who are Kauri Finance's main competitors?
Direct peers on record are Wirex, BCB Group, Banking Circle, Solaris SE and Modulr. Broad incumbents are Bitpanda, Revolut and Paysafe. Emerging players are Alchemy Pay and BVNK.
Does Kauri Finance have an API?
Yes. One API covers accounts, cards, payments, wallets, and exchange. Full documentation, SDKs, sandbox, and webhook support included with Growth and Scale plans. Developer documentation is at Not specified.
What industry is Kauri Finance in?
Kauri Finance's product category is Digital Banking & Crypto Payments Platform. Its primary akta.pro industry code is FSAMAIAG, Multi-Currency Accounts, Wallets & IBAN Services, with a secondary code of FSADAIAI, POS, QR & In-Person Acceptance Infrastructure (Crypto). Its NAICS code is 522320 and its SIC code is 6199.