Ephelia Capital Sagl

What Ephelia Capital Sagl does

Ephelia Capital Sagl is a Swiss-based Fintech-as-a-Service company headquartered in Lugano (with the ultimate holding company, Vigh29 Holding Ltd, registered in London) that operates a multi-jurisdictional regulated infrastructure for digital finance. The company builds and licenses a white-label Bank-in-a-Box platform covering e-money issuance, payments, card acquiring and issuing, asset management, compliance, and bespoke core banking systems, supported by licensed entities across Switzerland (FINMA Portfolio Manager), the UK (FCA EMD Agent via Currencycloud), the US (FinCEN MSB / Wyoming Money Transmitter), Canada (MSB), and New Zealand (FSPR). Its portfolio spans six core products: E-Money & Payments as-a-Service, Issuing & Acquiring, Asset Management as-a-Service (AMaaS), Compliance as-a-Service (CaaS), White Label Platform, and Technology as-a-Service (TaaS), together with the proprietary es-Currencies stablecoin family and on-chain IBAN product RampX.

The underlying technology centers on the Finance Interoperability Layer (FIL), an architectural layer that standardizes how banks, EMIs, blockchains, and value networks exchange money, identity, and compliance policies, paired with es-Currencies (multi-currency, regulated, programmatically streamable stablecoins redeemable 1:1, built natively on EVM blockchains). AI is applied to payment rail routing, fraud/anomaly detection, transaction monitoring, and automated reconciliation, but no proprietary models or research pipeline are disclosed. The company operates with a small in-house engineering bench (referenced at 26 senior engineers) and a senior advisory board drawn from ClearBank, Visa Italy, BIL/Societe Generale, UBS, AMINA Bank (former SEBA), CONSOB, Citibank, and UBI Banca.

The business model is B2B and diversified across four revenue streams: white-label platform licensing/royalties, recurring subscriptions for CaaS, AMaaS, TaaS, and E-Money & Payments, transaction fees from card acquiring/issuing and es-Currencies settlement, and EEA e-money distribution via Currencycloud. Pricing is not publicly disclosed; customers engage enterprise field sales or channel partners (financial institutions and consulting firms). Customers are predominantly early-stage fintechs and startups (Toonie, Streamable Finance, RampX, Quid Global, Elviria, Konfido VIP), with a smaller enterprise segment including private banking platform Konfido VIP. Go-to-market combines direct enterprise advisory sales, channel partners, and OEM white-label embedding, with the company also offering direct investment or investor clubs for aligned ecosystem projects.

Name

Ephelia Capital Sagl

Legal name

Ephelia Capital Sagl

Website

https://epheliacapital.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

1–10 employees

Short description

Ephelia Capital Sagl is a Swiss-based Fintech-as-a-Service company that delivers a multi-jurisdictional licensed infrastructure — including a white-label Bank-in-a-Box, es-Currencies stablecoins, and the Finance Interoperability Layer — to fintechs, startups, and financial institutions across Europe, North America, and Asia-Pacific.

Ownership category

akta.pro rank

Product category

Fintech-as-a-Service Infrastructure

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Portfolio Management and Investment Advice (523940)

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Investment Advice (6282)

akta.pro primary industry

Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE)

akta.pro secondary industries

Cross-Border FX, Multi-Currency & Treasury for Payments (FSAGABAK), Tokenized Collateral & On-Chain Credit Infrastructure (Collateral Mgmt, Liquidations) (FSAGAMAK), Account Aggregation & Connectivity (Multi-bank linking) (FSAGACAA)

Keywords

• Fintech-as-a-service infrastructure
• Programmable stablecoin issuance
• White-label banking platform
• Embedded finance solutions
• Regulated digital payments

Headquarters

HQ city

Lugano

HQ country

Switzerland

HQ region

Europe

Offices5 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. White-Label Platform Licensing: Partners rebrand and deploy Ephelia's financial services infrastructure under their own brand. Customers pay for the white-label platform enabling rapid market entry in weeks without needing financial licenses, extensive development, or banking expertise. Entrepreneurs can launch a financial platform with current accounts, debit cards, and investment products in approximately two months.
2. Compliance as-a-Service (CaaS): Subscription-based managed compliance services covering AML, KYC, GDPR, and PSD2 requirements with human expertise and active monitoring. White-label option available for financial institutions and banks to offer under their own brand.
3. Asset Management as-a-Service (AMaaS): White-label cloud-based investment management platform with subscription pricing. Enables fintechs, startups, and financial institutions to offer portfolio management, performance analysis, risk management, and reporting under their own brand.
4. Technology as-a-Service (TaaS): Bespoke development and ongoing access to financial platforms, core banking systems, and digital solutions. Full flexibility to customize every aspect of the platform from user experience to backend architecture, billed on a subscription or project basis.
5. E-Money & Payments as-a-Service: Subscription-based access to Ephelia's e-money issuance, digital payment infrastructure, multi-currency capabilities, and API integration. Covers mobile wallets, digital currencies, card payments, and bank transfers.
6. Card Acquiring & Issuing Services: Revenue from card payment acceptance (acquiring) and card issuance services. Supports multiple currencies and international payment networks for global customer bases.
7. es-Currencies Issuance & Infrastructure: Fees associated with es-Currencies issuance, infrastructure access, and transaction settlement. es-Currencies are multi-currency, redeemable 1:1 stablecoins issued under e-money frameworks. Transfer fees depend on the underlying blockchain and can be extremely low or zero.
8. E-Money Distribution (EEA via Currencycloud): Ephelia SwissTech SA acts as a distributor of electronic money issued by Currencycloud B.V. in the EEA, under the E-Money Directive.

Go-to-market motion3 records

Distribution channels3 records

Marketing channels5 records

Core offering

Ephelia provides a Fintech-as-a-Service infrastructure platform combining white-label banking, e-money and payments, card issuing/acquiring, asset management, compliance, and proprietary es-Currencies (programmable, streamable regulated stablecoins built on EVM blockchains). The offering is delivered through a multi-jurisdictional regulated framework spanning Switzerland, the US, the UK, Canada, and New Zealand, enabling partners to launch financial services in approximately two months without holding their own financial licenses. The platform is built around the Finance Interoperability Layer (FIL), which standardizes how banks, EMIs, blockchains, and value networks exchange money, identity, and compliance policies.

Product overview

Ephelia is a unified Fintech-as-a-Service platform built around its proprietary es-Currencies (programmable, streamable regulated stablecoins). The ecosystem combines White Label platforms for branded financial services, E-Money & Payments as-a-Service for digital transactions, Issuing & Acquiring for card networks, Asset Management as-a-Service for investment tools, Compliance as-a-Service for regulatory oversight, and Technology as-a-Service for custom infrastructure development. The platform integrates AI for payment orchestration, fraud detection, and compliance monitoring, connecting traditional finance with blockchain rails across multiple jurisdictions.

Differentiator

Problem solved

Functional benefit

Brands

• RampX: On-Chain Current Account solution linking traditional IBANs directly to blockchain wallets like MetaMask for instant crypto transactions.
• es-Currencies
• Toonie
• Streamable Finance
• Quid Global
• Elviria
• Konfido VIP

Products and services

• E-Money & Payments as-a-Service A subscription-based digital payment platform supporting mobile wallets, digital currencies, traditional card payments, and bank transfers, enabling businesses to offer seamless payment options with real-time analytics and compliance features. Targeted at financial institutions, fintechs, and digital platforms seeking regulated, multi-currency payment infrastructure.
• Issuing & Acquiring Card payment services encompassing payment acceptance (acquiring) and card issuance (credit, debit, prepaid), supporting multiple currencies and international payment networks for global reach. Targeted at fintechs, neobanks, hospitality, travel, and any business needing card programs under their own brand.
• Asset Management as-a-Service (AMaaS) Subscription-based white-label investment management platform enabling fintechs, startups, and financial institutions to offer portfolio management, performance analysis, risk management, and reporting under their own brand. Targeted at wealth managers, asset managers, and investment firms seeking ready-to-deploy investment infrastructure.
• Compliance as-a-Service (CaaS) Subscription-based fully managed compliance solution combining technology with human expertise for regulatory management. Covers AML, KYC, GDPR, and PSD2 compliance with proactive risk management, real-time guidance, and a white-label option for financial institutions and banks.
• White Label Platform (Bank-in-a-Box) Ready-to-use financial services platform allowing businesses to rebrand and offer banking, payments, and investment services under their own brand without requiring financial licenses or extensive development. Enables entrepreneurs to launch a financial platform with current accounts, debit cards, and investment products in approximately two months.
• Technology as-a-Service (TaaS) Subscription or project-based bespoke development of financial platforms, core banking systems, and tailored digital solutions built from the ground up using AI, machine learning, and blockchain integration. Targeted at neobanks and digital platforms requiring customized core banking infrastructure.
• es-Currencies The world's first programmable and streamable regulated stablecoin, multi-currency and redeemable 1:1, enabling near-instant global payments 24/7 with programmable balances and on-chain accounts on EVM blockchains. Includes a supporting suite of APIs and SDKs. Issued under e-money frameworks with low or zero transfer fees depending on the underlying blockchain.
• es-USD Streamable regulated stablecoin natively embedded within Ephelia's core banking infrastructure, bridging traditional payment systems with blockchain networks for instant interoperability between bank-grade payments and decentralized liquidity. Combines fiat stability with programmable, real-time liquidity.

Quantifiable outcome

• Launch financial platform in approximately 2 months with white-label 'Bank-in-a-Box' solution
• +3 more outcomes

Named customers6 records

Segments11 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability5 records

Feature8 records

Partnerships

Four partnerships are on record, tiered core.

• Currencycloud B.V.coreTechnology or IntegrationIn the EEA, Ephelia SwissTech SA acts as a distributor of electronic money issued by Currencycloud B.V., a Dutch electronic money institution authorized by De Nederlandsche Bank (DNB). Distribution is permitted under the E-Money Directive. This partnership enables Ephelia's European e-money distribution operations.
• SRO PolyRegcoreOthersEphelia SwissTech SA is affiliated with SRO PolyReg for AMLA supervision, a self-regulatory organisation recognised under Swiss Anti-Money Laundering Act. FINMA is responsible for recognising and supervising SROs. This is a mandatory regulatory supervision arrangement required for Swiss financial intermediaries.
• AOOS – Schweizerische Aktiengesellschaft für AufsichtcoreOthersAOOS serves as the supervisory organisation for Ephelia Capital Sagl pursuant to Swiss Financial Market Supervision Act (FINMASA). This is a mandatory ongoing prudential supervision arrangement required as part of Ephelia Capital Sagl's FINMA authorization as a Portfolio Manager.
• The Currency Cloud LimitedcoreTechnology or IntegrationQuid UK Global Limited (an Ephelia group company) is registered with the UK FCA as an EMD Agent (Ref. No. 903006) of The Currency Cloud Limited, an FCA-authorised electronic money institution. Payment services and e-money services are provided by The Currency Cloud Limited under the Electronic Money Regulations 2011.

Scale indicators4 records

Recent moves6 records

Expansion highlights8 records

Market position

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/epheliacapital
• LinkedInlinkedin.com/company/ephelia-group
• Facebookfacebook.com/epheliacapital

Compliance8 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries7 records

Funding overview

Funding rounds

Investors

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

M&A1 record

Investments3 records

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

Frequently asked questions about Ephelia Capital Sagl