What OuiTrust does

OuiTrust (commercial brand of Harmoniie SAS) is a France-based Electronic Money Institution that delivers multi-currency financial infrastructure for cross-border commerce. Founded in 2019 and headquartered in Paris at 1 Rue de la Bourse, the company serves SMBs, freelancers, individual consumers, and fintech partners as a lower-cost alternative to traditional banks for international payments. Operations span 150+ countries with localized clearing connectivity in 20+ jurisdictions (France, UK, Hong Kong, US, China, Singapore, Canada, Australia) and regulatory cover from the French ACPR (license N°17478), UK FCA, and Hong Kong Money Service Operator licensing.

The core technology stack combines multi-currency IBAN account infrastructure with real-time FX execution at interbank rates, integrated across SWIFT, SEPA, SEPA Instant, UK Faster Payments, BACS, and ACH rails. OuiTrust issues Mastercard-branded physical and virtual debit cards, provides a batch payments API for automated bulk transfers, and offers white-label card-issuing infrastructure for fintech partners. A distinctive capability is merchant acquiring for WeChat Pay, Alipay, and UnionPay — a niche rarely served by Western fintechs — enabling European merchants to collect from Chinese consumers and supporting real-time remittance to Chinese bank accounts, Alipay wallets, WeChat, and UnionPay cards.

OuiTrust monetizes through recurring SaaS subscriptions, transactional fees, FX spreads, card services, and acquiring take-rates. Consumer and SMB plans start at €5/month (Basic) and €19/month (Professional, 30+ currencies, 5 seats), with per-transfer fees at 0.2% plus rail-specific minimums; startup onboarding is a one-time €4,000–€6,000 fee, and Chinese acquiring generates 1.4% (WeChat/Alipay offline) to 1.9% (Alipay online) per transaction. Distribution is product-led and self-serve via iOS, Android, and web, with a direct sales team for enterprise clients and an API-first channel for fintech partners. The company is privately held with no external funding rounds disclosed and customer funds safeguarded under FGDR coverage up to €100,000.

Name

OuiTrust

Legal name

Harmoniie SAS

Website

https://ouitrust.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

OuiTrust is a France-based Electronic Money Institution offering multi-currency accounts, international payments, FX, Mastercard debit cards, and WeChat/Alipay acquiring for SMBs, freelancers, and fintech partners across 150+ countries.

Ownership category

akta.pro rank

Product category

Multi-currency Financial Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Finance Services (6199)

akta.pro primary industry

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

akta.pro secondary industries

Remittance & Cross-Border Payment Rails (SWIFT, Local Clearing, RTP Connectivity) (FSAGAKAH), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), Payables & Disbursements (ACH/SEPA, wires, checks, virtual cards) (FSABAIAB)

Keywords

• Multi-currency accounts
• Cross-border payments
• Foreign exchange services
• International money transfers
• Merchant acquiring services

Headquarters

HQ city

Boulogne-billancourt

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Monthly Subscription Fees: Basic plan at €5/month for 1 IBAN (EUR/GBP) with limited currencies; Professional plan at €19/month for 30+ currencies with 5 user seats and bulk payment support.
2. Transaction and Transfer Fees: Additional SEPA/Faster Payment transfers at 0.2% (min €0.50); SWIFT outgoing at 0.2% + €20; SEPA Instant at 0.2% (min €1); Local payment fees vary by country (€2.40-€3.50).
3. FX Revenue: Revenue generated through foreign exchange spreads when customers convert between currencies at the interbank rate.
4. Card Services: Physical card production and shipping fees; ATM withdrawal fees as disclosed in Fees and Limits section. No fees for online transactions, POS card swiping, or contactless payments.
5. WeChat/Alipay Acquiring: WeChat acquiring at 1.4% for online/offline; Alipay acquiring at 1.9% (online) / 1.4% (offline) per transaction.
6. White-Label Card API: API-based card issuing services for fintech partners and white-label programs, with customizable physical and virtual card options.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

OuiTrust provides multi-currency IBAN accounts for both businesses and individuals, enabling users to send, receive, and manage funds in 30+ currencies across 150+ countries. The platform combines physical and virtual Mastercard debit card issuance, international payment processing across SWIFT/SEPA/Faster Payments/ACH rails, foreign exchange at interbank rates, batch payment automation, and merchant acquiring services for WeChat Pay and Alipay. It operates as the commercial brand of Harmoniie SAS, an Electronic Money Institution authorized by the French ACPR.

Product overview

OuiTrust is a multi-currency financial services platform offering a unified suite of products under its core Multi-currency Account platform. The product portfolio includes business and personal multi-currency accounts supporting 30+ currencies, physical and virtual Mastercard debit cards for both segments, international transfer services via SWIFT/SEPA/Faster Payments/ACH networks, foreign exchange (FX) services with interbank rates, and batch payment tools for businesses. Additional offerings include a Whitelabel Card Program (API-based card issuing for fintechs) and merchant acquiring services for WeChat Pay, Alipay, and UnionPay. The platform is built around Harmoniie SAS, an ACPR-regulated Electronic Money Institution, and operates across 150+ countries with 30+ currencies.

Differentiator

Problem solved

Functional benefit

Products and services

• Multi-currency Business Account A multi-currency business account that enables companies to send, receive, and manage funds in 30+ different currencies. Features include own-named accounts, multi-currency IBANs, and faster settlements with same-day and next-working-day transfers for SMBs engaged in cross-border operations.
• Personal Multi-currency Account A personal multi-currency IBAN account for individuals, supporting 30+ currencies across 160+ countries. Enables international transfers, currency exchange, and virtual/physical debit card issuance for freelancers, self-employed professionals, and expats.
• Business Debit Cards Physical and virtual Mastercard debit cards for business teams, with customizable spending limits, freeze/unfreeze controls, expense management, and real-time transaction tracking.
• Personal Debit Mastercard Personal Mastercard debit card available in physical and virtual formats, accepted worldwide, with 3D Secure protection, NFC contactless payments, and competitive rates for international spending and ATM withdrawals.
• Business International Transfers Domestic and international payment services for businesses supporting local and global transfers via SWIFT, SEPA, SEPA Instant, Faster Payments, BACS, and ACH networks with real-time tracking and competitive rates.
• Personal International Transfers Personal international money transfer service supporting 30+ currencies to 160+ countries with competitive rates and no service fees for currency conversion, serving 40+ million customers worldwide.
• Business Foreign Exchange Currency exchange service enabling exchange of 30+ currencies at interbank rates via web and mobile platforms. Features include batch transfers, real-time pricing, and integration with accounting software.
• Personal Currency Exchange Personal foreign exchange service with market-leading FX rates and access to 30+ currency pairs, including exotic and emerging market currencies, with live pricing and execution.
• Batch Payments Payouts platform enabling businesses to make fast, low-cost bulk payments to customers, freelancers, employees, investors, and suppliers worldwide in multiple currencies with API automation support.
• White-label Card Program White-label card issuing API for fintech companies, allowing partners to launch branded debit cards (physical and virtual) on the Mastercard network with their own design and branding.

Quantifiable outcome

• Save up to 2x on overseas payments compared to other well-known providers
• +5 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

Feature6 records

Partnerships

Six partnerships are on record, tiered core.

• MastercardcoreTechnology or IntegrationOuiTrust issues Mastercard debit cards (physical and virtual) branded with Mastercard logo. Cards are accepted worldwide at Mastercard merchants and ATMs. Exchange rates from Mastercard are applied for foreign currency transactions.
• WeChat PaycoreTechnology or IntegrationOuiTrust provides WeChat Pay merchant acquiring services allowing businesses to accept payments from Chinese customers via WeChat. WeChat acquiring rate is 1.4% for online and offline transactions. Also supports WeChat express transfers to Chinese bank accounts.
• AlipaycoreTechnology or IntegrationOuiTrust provides Alipay merchant acquiring services allowing businesses to accept payments from Chinese customers. Alipay acquiring rate is 1.9% (online) and 1.4% (offline). Also supports real-time remittance to Alipay accounts in China.
• SEPA NetworkcoreTechnology or IntegrationOuiTrust connects to SEPA (Single Euro Payments Area) and SEPA Instant payment networks enabling fast Euro transfers within the Eurozone.
• SWIFT NetworkcoreTechnology or IntegrationOuiTrust uses SWIFT network for international wire transfers, offering competitive fees at 0.2% + €20 for outgoing transfers.
• Faster Payments Service (UK)coreTechnology or IntegrationOuiTrust connects to UK Faster Payments Service for fast GBP transfers within the UK.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Mercury: US-focused multi-currency business banking and payments platform with API access. Comparable on multi-currency business accounts, batch payments, and fintech partner APIs.
• Wise: Direct multi-currency account and cross-border transfer competitor. Offers multi-currency IBANs, debit cards, and SWIFT/SEPA/Faster Payments connectivity across 40+ currencies — directly overlapping OuiTrust's core product set for both consumers and SMBs.
• Revolut: Direct competitor offering multi-currency accounts, international transfers, FX at interbank rates, and Mastercard debit cards. Targets the same consumer, freelancer, and SMB segments across Europe.
• Airwallex: Direct peer for multi-currency business accounts, batch payments, FX, and API-first fintech infrastructure. Competes head-on with OuiTrust in the SMB and fintech-partner segments across Europe and Asia-Pacific.
• Bunq: European neobank with multi-currency accounts, Mastercard cards, SEPA/SWIFT connectivity, and API access. Closely comparable to OuiTrust's product stack and pricing approach for European SMBs and freelancers.
• Payoneer: Multi-currency business accounts, international payments, and receiving accounts for freelancers and SMBs. Comparable in cross-border workflow and target customer, particularly for marketplace and contractor payouts.
• Monese: UK/EU-based multi-currency account provider serving expats, freelancers, and SMBs. Direct overlap on multi-currency IBANs, debit cards, and EU/UK regulatory footprint.
• PingPong: Cross-border payment specialist with strong Europe-China and EU-US corridors. Directly comparable to OuiTrust's China-facing acquiring and remittance capabilities.
• Paysera: EMI-licensed European fintech offering multi-currency accounts, SEPA/SWIFT transfers, and merchant acquiring. Closely comparable regulated structure and product suite to OuiTrust's EMI-led model.

Broad incumbents

• N26: Larger pan-European digital bank with multi-currency accounts, transfers, and cards. Competes in the same European consumer/SMB segment but as a broader retail bank rather than a payments specialist.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/OuiTrust_EUR
• Facebookfacebook.com/bonbonbanque
• LinkedInlinkedin.com/company/ouitrust
• Instagraminstagram.com/ouitrust

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

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 OuiTrust