Yoursafe
Yoursafe B.V. is a Dutch-licensed Electronic Money Institution offering privacy-first payment accounts, multi-currency business accounts, and merchant processing services for individuals, influencers, and platform businesses globally, supported by biometric KYC and AI-driven transaction monitoring.
- Company typePrivate
- Founded-
- HeadquartersAmsterdam, Netherlands
- Headcount51–100
- GTM typeB2B and B2C
- OfferingSoftware
What Yoursafe does
Yoursafe B.V. is a Dutch-licensed Electronic Money Institution (EMI) headquartered in Amsterdam that operates a privacy-first payment, identity, and merchant processing platform. The company serves three principal customer segments: privacy-conscious individuals and social media creators (via the YOU sub-brand, which supports Instagram and X alias payments and disposable IBANs), international platform businesses and merchants (via Business Accounts and the Yoursafe Direct iDEAL acquiring solution), and downstream receiving banks and platforms that consume Yoursafe ID signals for compliance. The product portfolio combines consumer and business IBAN accounts in EUR/USD/GBP, a Visa debit card with Apple Pay, Yoursafe ID OAuth 2.0/OIDC identity services, Split/IBAN automatic revenue distribution, and merchant APIs (Flowguard SDK, FlexPay, Control Center, Mass Payments) distributed under the Verotel, CardBilling, and GayCharge brands.
The underlying platform layers biometric KYC (face-matching imaging and NFC document verification supporting over 1,700 identification types) with a self-learning AI transaction monitoring engine, continuous daily screening against 27+ sanction and PEP lists, and a four-eyes principle manual review. Yoursafe is PCI DSS Level 1 compliant, registered with the Dutch Central Bank under EMI Register F00025, a SWIFT member (BIC: YOURNL2A), and adheres to the EPC SEPA Credit Transfer Scheme. Operational footprint extends beyond the Amsterdam headquarters to offices in Prague, Vilnius, Budapest, Bangkok, and Champaign (US).
Yoursafe operates a freemium, hybrid go-to-market model. Consumer acquisition is self-serve via website signup (you.yoursafe.com), iOS/Android apps, and digital marketing, with free basic IBANs layered with paid add-ons such as the €29.50/year debit card, Vanity and Premium IBANs (€9.95–€295/year), and Disposable IBANs (€0.99 per transaction). Business and merchant acquisition is direct/enterprise, monetized via transaction fees (SEPA €0.75, Wire €25, ACH €5, incoming non-EUR €25, 0.5% on large EUR incoming payments), merchant acquiring margins through Verotel/CardBilling/GayCharge, iDEAL acquiring via Yoursafe Direct, and developer/API integration fees. The investor base disclosed is limited to D-Age (first investor), with no subsequent funding rounds or revenue figures publicly disclosed.
Yoursafe firmographics
Firmographics- Name
- Yoursafe
- Legal name
- Yoursafe B.V.
- Website
- https://yoursafe.com
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Yoursafe B.V. is a Dutch-licensed Electronic Money Institution offering privacy-first payment accounts, multi-currency business accounts, and merchant processing services for individuals, influencers, and platform businesses globally, supported by biometric KYC and AI-driven transaction monitoring.
- Ownership category
- akta.pro rank
Yoursafe industry classification
Industry- Product category
- Electronic Money Institution Services
- NAICS
- Finance and Insurance (52)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF)
- akta.pro secondary industries
- Identity & Authentication for Open Banking (SCA support, token exchange) (FSAGACAF), A2A Fraud, Risk & Authentication (FSAMAFAI)
Keywords
Where Yoursafe is headquartered
LocationHeadquarters
- HQ city
- Amsterdam
- HQ country
- Netherlands
- HQ region
- Europe
Offices6 records
Markets served
Yoursafe business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Infrastructure, Marketing or Sales, Supply Chain
Revenue model
- Transaction Fees: Fees charged for various payment transactions including SEPA transfers (€0.75), wire transfers (€25), ACH transfers (€5), and US checks. Yoursafe-to-Yoursafe transfers are free.
- Debit Card Fees: Annual fee of €29.50 for the Yoursafe Debit Card, plus ATM withdrawal fees (€2 flat), replacement card fees, and courier delivery charges
- IBAN Services: Revenue from Vanity IBANs (from €9.95/year to €295/year), Premium IBANs (€9.95/year), and Disposable IBANs (€0.99 per transaction)
- Account Inactivity Fees: Inactivity fees for accounts inactive for more than 3 months: €1/month for personal accounts, €10/month for business accounts
- Incoming Payment Processing: Fees on incoming EUR payments >= €10,000 from third parties (0.5%), incoming non-EUR bank payments (€25 for < €10,000), and currency conversion
- Merchant Processing Services: Payment processing for merchants via Verotel, CardBilling, and GayCharge brands, accepting, collecting and distributing electronic funds
- Yoursafe Direct iDEAL Acquiring: iDEAL payment acquiring for businesses with instant settlement into Yoursafe Business Account, competitive pricing for low and medium risk merchants
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free basic YOU Account with €0/month |
| Freemium | Pay-as-you-go | Business Account with €0/month |
| Subscription | Annual | Yoursafe Debit Card - €29.50 annual fee |
| Subscription | Annual | IBAN Services Pricing |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels6 records
Yoursafe product offering
Product offeringCore offering
Yoursafe is a licensed Electronic Money Institution (EMI) supervised by the Dutch Central Bank that issues multi-currency IBAN payment accounts (personal YOU accounts and business accounts), a Visa debit card, and merchant payment-processing APIs (Flowguard SDK, FlexPay, Control Center API, Mass Payments). It also offers Yoursafe ID, an OAuth 2.0/OpenID Connect identity-verification service, and Yoursafe Direct, an iDEAL acquiring solution for Dutch merchants. Its distinctive proposition is privacy-protected payments that let users transact under verified social media aliases without exposing personal data.
Product overview
Yoursafe is an Electronic Money Institution (EMI) licensed by the Dutch Central Bank offering a comprehensive suite of payment and identity services. The core product portfolio includes Yoursafe YOU (personal payment accounts with social media alias support and privacy features) and Yoursafe Business Account (multi-currency business accounts with mass payout capabilities). These core accounts are enhanced by a Visa debit card, multiple IBAN options (Vanity, Premium, Disposable), and Split/IBAN for automatic revenue distribution. For identity verification, Yoursafe ID provides OAuth 2.0 / OpenID Connect integration with three scopes (Default, Platform, Profile) for KYC compliance. For merchants, Yoursafe offers payment processing through Flowguard SDK (embedded checkout), FlexPay (hosted pages), Yoursafe Direct (iDEAL acquiring), Control Center API, VerotelRUM, and Mass Payments tools. The ecosystem is unified through the Yoursafe App for KYC onboarding and account management.
Differentiator
Problem solved
Functional benefit
Brands
- YOU: Personal payment account service offering private payments with IBAN, social media alias payments, and identity protection.
- Yoursafe Direct
- Yoursafe ID
- Split/IBAN
- Verotel
- CardBilling
- GayCharge
Products and services
- Yoursafe YOU Free personal payment account with a unique IBAN that lets individuals send and receive payments globally (SEPA, Wire, ACH, US checks) while keeping personal identity private via social media aliases and Yoursafe ID.
- Yoursafe Business Account Business payment account with a unique IBAN, multi-currency support (EUR, USD, GBP), mass payout and CSV upload capabilities, designed for platform businesses and merchants with international operations.
- Yoursafe Debit Card Visa debit card linked to a Yoursafe account enabling worldwide cash withdrawals, online and in-store purchases, contactless payments, and Apple Pay integration.
- Yoursafe ID OAuth 2.0 / OpenID Connect identity-verification service providing alias-token-based KYC compliance signals to receiving platforms and banks via Default, Platform, and Profile scopes.
- Yoursafe Direct iDEAL acquiring solution that enables merchants to accept the Netherlands' dominant online payment method with instant settlement directly into a Yoursafe Business Account, real-time reconciliation, and Control Center Reporting API integration.
- Split/IBAN Service that automatically splits incoming payments between the main account holder and a chosen beneficiary (agent, agency, or marketing partner) on a percentage basis, designed for influencers and creators who share revenue with partners.
- Vanity IBAN Customizable IBAN account numbers featuring memorable number sequences, repeated digits, or special meanings, priced from €9.95 to €295 per year.
- Premium IBAN Premium IBAN that lets users convert a personal number range into IBAN format, embedding meaningful numbers such as a birth year or lucky numbers, at €9.95 per year.
- Disposable IBAN One-time-use IBAN priced at €0.99 per transaction, suspended after a single outgoing payment, used for maximum privacy on individual transactions.
- Flowguard SDK Embedded checkout SDK that gives merchants full design and UX control over payment flows on their websites, with secure processing handled in the background by Verotel.
- FlexPay Hosted payment page solution supporting one-off and recurring payment flows with dynamic pricing, order descriptions, and customizable checkout pages processed by Verotel.
- Control Center API Back-office API that enables merchants to access reporting, analytics, billing cancellation, sales downgrades, refunds, and full operational control from their own systems.
Companies that use Yoursafe
Customer profileSegments4 records
Ideal customer profiles4 records
Yoursafe technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability4 records
Feature6 records
Yoursafe partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered supporting and core.
- ReliansupportingThird-party fraud, AML, CTF, and sanction detection and prevention services integrated within Yoursafe's software infrastructure for enhanced compliance monitoring.
- GBGsupportingThird-party fraud, AML, CTF, and sanction detection and prevention services integrated within Yoursafe's software infrastructure.
- VisacoreYoursafe Debit Card is a Visa debit card accepted worldwide at millions of locations. Card is issued by Visa. Yoursafe is a member of card networks under applicable payment facilitation contracts.
- VerotelcoreConsumer-facing brand for merchant processing services including Flowguard checkout and hosted payment pages. Part of Yoursafe's payment processing platform.
- CardBillingcoreConsumer-facing brand for card payment processing within Yoursafe's FlexPay ecosystem.
- GayChargecoreConsumer-facing brand for payment processing within Yoursafe's merchant processing platform.
- Currence (iDEAL)coreiDEAL is the Netherlands' most trusted online payment method facilitated by Currence. Yoursafe Direct provides instant iDEAL acquiring and settlement. iDEAL facilitated over 1.2 billion transactions in 2022.
- Dutch Central Bank (DNB)coreRegulatory supervisor and licensing authority for Yoursafe B.V. as Electronic Money Institution. Registered under number F00025.
- SWIFTcoreYoursafe is a member of SWIFT and issues IBAN accounts under BIC: YOURNL2A.
- KifidsupportingDutch financial consumer protection organization. Yoursafe is a member and consumers can file complaints at Kifid for unresolved issues.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
Yoursafe competitors and assessment
Company assessmentDirect peers
- Bunq: Dutch-licensed neobank operating as an EMI under DNB supervision, offering multi-currency IBAN accounts, debit cards, and business accounts across Europe. Most direct peer in terms of regulatory status, product mix, and Dutch heritage.
- Mollie: Amsterdam-based payment processor and iDEAL acquirer providing merchant payment infrastructure across Europe. Closest peer in the Yoursafe Direct / merchant acquiring segment.
- Wise: Cross-border multi-currency account provider offering personal and business IBAN accounts with low-cost international transfers. Directly comparable on multi-currency consumer/business accounts and SEPA/ACH payment coverage.
- Privacy.com: US-based fintech offering virtual cards and masked payment details for online privacy. The closest peer to Yoursafe's disposable IBAN / alias / privacy-focused payment thesis, though narrower in scope (cards only, US-centric).
- SumUp: European payment service provider offering merchant acquiring, card readers, and business accounts across Europe. Comparable on merchant processing, debit card issuance, and SMB banking infrastructure.
- MultiSafepay: Amsterdam-based payment service provider offering iDEAL acquiring and multi-method payment processing for European merchants. Direct peer in the Dutch iDEAL acquiring segment where Yoursafe Direct competes.
Broad incumbents
- Adyen: Amsterdam-headquartered global payments platform offering acquiring, processing, and iDEAL connectivity for large enterprises. Competes in the same Dutch acquiring space as Yoursafe Direct but at enterprise/incumbent scale.
- Revolut: European-licensed digital bank with multi-currency accounts, debit cards, and merchant/payment products. Overlaps with Yoursafe on consumer accounts, debit cards, and cross-border payments but at vastly greater scale.
- Stripe: Global payment processing platform offering APIs for online card acceptance, Connect (marketplace payouts), and Identity (KYC). Competes with Yoursafe's Flowguard SDK, FlexPay, and Yoursafe ID offerings at platform scale.
Emerging players
- Veriff: Identity verification platform offering biometric KYC, document verification, and AML screening APIs. Comparable to Yoursafe's biometric/NFC verification stack and Yoursafe ID identity services.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Yoursafe social profiles
Digital presenceYoursafe financial estimates
Financial estimateRevenue estimate
Valuation estimate
Yoursafe leadership team
Management profileNumber of profiles
Profiles6 records
Yoursafe funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Yoursafe 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 Yoursafe
What does Yoursafe do?
Yoursafe is a licensed Electronic Money Institution (EMI) supervised by the Dutch Central Bank that issues multi-currency IBAN payment accounts (personal YOU accounts and business accounts), a Visa debit card, and merchant payment-processing APIs (Flowguard SDK, FlexPay, Control Center API, Mass Payments). It also offers Yoursafe ID, an OAuth 2.0/OpenID Connect identity-verification service, and Yoursafe Direct, an iDEAL acquiring solution for Dutch merchants. Its distinctive proposition is privacy-protected payments that let users transact under verified social media aliases without exposing personal data.
Is Yoursafe a public or private company?
Yoursafe is a private company. It is classified as venture growth investor backed and is currently operating.
When was Yoursafe founded?
Yoursafe was founded in -1. It employs 51 to 100 people.
Where is Yoursafe based?
Yoursafe is headquartered in Amsterdam, Netherlands, in the Europe region.
How does Yoursafe make money?
Seven revenue lines are on record. Transaction Fees are the primary driver. The others are debit Card Fees, IBAN Services, account Inactivity Fees, incoming Payment Processing, merchant Processing Services and yoursafe Direct iDEAL Acquiring.
Who are Yoursafe's main competitors?
Direct peers on record are Bunq, Mollie, Wise, Privacy.com, SumUp and MultiSafepay. Broad incumbents are Adyen, Revolut and Stripe. Veriff is listed as an emerging player.
Does Yoursafe have an API?
Yes. Yoursafe offers multiple API products for payment processing and identity services. APIs include: Flowguard SDK for embedded checkout components, FlexPay for hosted payment pages, Mass Payments API for bulk payouts, Control Center API for merchant reporting and operations, and Yoursafe ID (OAuth 2.0 / OpenID Connect) for identity verification. The identity APIs support authorization code grants, device authorization flows, token exchange, userinfo, token introspection/revocation, and JWKS for JWT verification. Developer documentation is at integrations.yoursafe.com.
What industry is Yoursafe in?
Yoursafe's product category is Electronic Money Institution Services. Its primary akta.pro industry code is FSAMAFAF, A2A Checkout & Merchant Acceptance Solutions, with a secondary code of FSAGACAF, Identity & Authentication for Open Banking (SCA support, token exchange). Its NAICS code is 52 and its SIC code is 6199.