RC365
RC365 Holding plc is a London-listed fintech group operating the RC3.0 platform, an integrated payment ecosystem combining virtual accounts, credit cards, and MOE-POS for SMEs, merchants, multinationals, and consumers across Hong Kong, Southeast Asia, UK, and Europe.
- Company typePublic
- Founded2013
- HeadquartersLondon, United Kingdom
- Headcount1–10
- GTM typeB2B and B2C
- OfferingSoftware
What RC365 does
RC365 Holding plc is a UK-domiciled, London Stock Exchange-listed (RCGH) fintech group operating an integrated payment ecosystem targeted at SMEs, merchants, multinational corporations, and individual consumers across Hong Kong, Southeast Asia, the UK and Europe. The group's core product is the RC3.0 platform, a unified application that integrates Banking Virtual Accounts, Asset Link Credit Cards, and MOE-POS merchant point-of-sale solutions into a single closed-loop operating environment supporting multi-currency virtual accounts, API connectivity, card and cryptocurrency payments, and real-time settlement. The platform extends into merchant acquiring, multi-currency remittance, wealth management tools, RC ERP 2.0 integration, and money-lending services enabled by a Hong Kong money lenders licence acquired in 2024.
Operating subsidiaries include Regal Crown Technology Limited (Hong Kong, founded 2013), the customer-facing RCPAY Limited brand for UK and Europe, and RC365 Solutions SDN for Malaysia and Southeast Asia. The company generates revenue through recurring SaaS fees (e.g., $5,000 per service type per month with 8% annual escalation on the Blacksilver Trust contract), transaction-based fees on MOE POS gross sales, payment gateway processing fees, card programme management, IT support and cybersecurity services, and money-lending. Distribution combines direct enterprise sales with strategic partnerships, including Mastercard network arrangements through licensed issuers KSV and Nobel Point, and custody through UniTrust Global.
Leadership is anchored by CEO Michael Law with prior experience at DBS Bank and MoneySwap, CFO Esther Quah with regional fintech expertise, and CTO Jack Yew with backgrounds in payment gateways and Mastercard integrations. The board includes FCA- and ICAEW-qualified non-executives. The group holds ISO 27001 certification (2017, renewed 2020), GDPR compliance posture, and the Hong Kong money lenders licence.
RC365 firmographics
Firmographics- Name
- RC365
- Legal name
- RC365 Holding plc
- Website
- https://rc365plc.com
- Company type
- Public
- Founded year
- 2013
- Headcount range
- 1–10 employees
- Short description
- RC365 Holding plc is a London-listed fintech group operating the RC3.0 platform, an integrated payment ecosystem combining virtual accounts, credit cards, and MOE-POS for SMEs, merchants, multinationals, and consumers across Hong Kong, Southeast Asia, UK, and Europe.
- Ownership category
- akta.pro rank
RC365 industry classification
Industry- Product category
- Payment Processing Platform
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Credit Card Issuing (52221), Other Activities Related to Credit Intermediation (522390)
- SIC
- Finance Services (6199), Personal Credit Institutions (6141)
- akta.pro primary industry
- Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)
- akta.pro secondary industries
- Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE), Card Issuing & Program Management Platforms (BPAMAFAH), Digital Wallets & Account Aggregation Hub (Multi-account, Stored Value) (FSAGAAAD)
Keywords
Where RC365 is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices3 records
Markets served
RC365 business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales, Others
Revenue model
- SaaS Platform Fees: Recurring monthly SaaS fees of $5,000 per client per service type with 8% annual escalation, as evidenced by the Blacksilver Trust five-year deal. This represents the RC3.0 platform's commercial deployment revenue model.
- Transaction/Percentage Fees: RC365 earns a percentage fee on gross sales processed through the MOE POS payment system deployed with clients like StarCruises. The deal added roughly £1m to the company's valuation, indicating transaction-based revenue generation.
- Payment Gateway Services: End-to-end payment processing and funding management for individuals, SMEs, merchants, and multinational corporations, including cross-border commerce and settlement solutions.
- Card Programme Management: Co-branded prepaid and credit card programmes with global card networks including Mastercard, enabling secure top-ups and credit utilisation.
- IT Support & Cybersecurity Services: Technology backbone services including fintech R&D, secure API frameworks, cybersecurity consulting, and 24/7 support.
- Money Lending Services: Following acquisition of money lenders licence in Hong Kong in 2024, RC365 provides money-lending services to its client base.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | SaaS Platform - RC3.0 per service type |
| Transaction based/ take rate | Pay-as-you-go | MOE POS Transaction Fees |
Go-to-market motion2 records
Distribution channels6 records
Marketing channels10 records
RC365 product offering
Product offeringCore offering
RC365 operates an integrated fintech payment ecosystem through its flagship RC3.0 platform (RCPAY Ecosystem), combining Banking Virtual Accounts, Asset Link Credit Cards, and MOE-POS merchant point-of-sale solutions into a single closed-loop platform. The company delivers multi-currency virtual account services, co-branded card issuance (Mastercard), mobile POS deployment, merchant acquiring, multi-currency remittance, wealth management, and IT support/cybersecurity services to individuals, SMEs, merchants, and multinational corporations across Hong Kong, Southeast Asia, the UK, and Europe.
Product overview
RC365 operates as a fintech group offering an integrated payment ecosystem through multiple interconnected products and platforms. The core offering is the RCPAY Ecosystem (unified via RC 3.0 platform), which combines Banking Virtual Accounts, Asset Link Credit Cards, and MOE-POS merchant point-of-sale solutions into a single closed loop. The company also provides IT Support & Security Services, Wealth Management Systems, Multi-Currency Remittance, and Merchant Acquiring Services. Subsidiaries include Regal Crown Technology Limited (founded 2013, the operating entity), RCPAY Limited (customer-facing brand for UK/Europe), and RC365 Solutions SDN (Malaysia operations).
Differentiator
Problem solved
Functional benefit
Products and services
- RC 3.0 Platform The company's flagship unified platform that connects the Banking Virtual Account, Asset Link Credit Card, and MOE-POS into a single integrated ecosystem, enabling multi-currency virtual account services, API connectivity, and trust management system modernization for enterprise and consumer clients.
- Banking Virtual Account Multi-currency virtual accounts for collecting, holding, converting and settling funds across borders, providing merchants and businesses a single hub to manage global money flows.
- Asset Link Credit Card A credit card linked directly to the customer's account within the ecosystem, enabling everyday spending, flexible credit and real-time visibility over transactions and balances; may include regulated digital stablecoins administered through licensed third-party trust structures.
Quantifiable outcome
- 30.2% revenue increase to HK$22.0 million in FY2024
- +2 more outcomes
Companies that use RC365
Customer profileNamed customers2 records
Segments5 records
Ideal customer profiles5 records
RC365 technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
AI capability3 records
Feature10 records
RC365 partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered core and strategic.
- Blacksilver Trust (Hong Kong) LimitedcoreFive-year strategic partnership between subsidiary Regal Crown Technology Limited and Blacksilver Trust for fintech solutions including multi-currency virtual account services, API connectivity, and trust management system modernization using RC365's RC3.0 platform. Commercial terms include recurring monthly SaaS fees of $5,000 per client per service type with 8% annual escalation. Marks the first commercial deployment of RC3.0 platform.
- Hong Kong Economic Summit 2024strategicSubsidiary Regal Crown Technology co-sponsored the Hong Kong Economic Summit 2024 organised by Metro Finance, positioning the company at a major industry event.
- KOMAJU (Koperasi Usaha Maju Kuala Lumpur Berhad)strategicNon-binding memorandum of understanding with KOMAJU to establish collaborative platform for offering co-branded international and domestic fintech solutions in Malaysia.
- RC365 Solutions SDNcoreNew wholly-owned subsidiary incorporated in Malaysia for Southeast Asia expansion, supporting operations across Malaysia and regional market development.
- YouneeqAI Technical Services IncstrategicLetter of intent granting RC365 exclusive rights to YouneeqAI's AI-driven cookieless personalisation platform in the UK, with first refusal to purchase rights in additional territories.
- Nobel PointstrategicMastercard Prepaid Card Program Service Agreement with Nobel Point (registered in Malaysia) for prepaid card programmes in Malaysia market.
- Mr Meal Productions LimitedstrategicAcquisition of Mr Meal Production Ltd, a media and advertising services company in Hong Kong, for HKD 2.0 million with initial cash payment and contingent shares based on employee retention. Allows Mr Meal to operate independently while leveraging AI techniques for production efficiency.
- Key Solution Venture (KSV)coreBIN Sponsorship and Co-Brander Agreement with KSV, a licensed MasterCard Worldwide Issuer in Hong Kong, enabling RCPAY to offer MasterCard services.
- UniTrust Global LimitedstrategicCustodian deed agreement enabling RCPAY to provide custodian accounts to its customers in Hong Kong, expanding the financial services offering.
- APEC Business Services LimitedcoreCollaboration agreement with APEC Business Services Limited to develop and enhance the RC2.0 App into the advanced RC3.0 version, marking a significant platform development milestone.
- Hatcher GroupstrategicNon-legally binding AI development MOU with Hatcher Group, a strategic partnership that led to speculation and 140% share price increase.
Scale indicators13 records
Recent moves11 records
Expansion highlights1 record
RC365 competitors and assessment
Company assessmentMarket position
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
RC365 social profiles
Digital presenceRC365 compliance and trust
Trust signalCompliance2 records
RC365 financial estimates
Financial estimateRevenue estimate
Valuation estimate
RC365 leadership team
Management profileNumber of profiles
Profiles7 records
RC365 subsidiaries and ownership
Company hierarchySubsidiaries5 records
RC365 funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
RC365 M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about RC365
What does RC365 do?
RC365 operates an integrated fintech payment ecosystem through its flagship RC3.0 platform (RCPAY Ecosystem), combining Banking Virtual Accounts, Asset Link Credit Cards, and MOE-POS merchant point-of-sale solutions into a single closed-loop platform. The company delivers multi-currency virtual account services, co-branded card issuance (Mastercard), mobile POS deployment, merchant acquiring, multi-currency remittance, wealth management, and IT support/cybersecurity services to individuals, SMEs, merchants, and multinational corporations across Hong Kong, Southeast Asia, the UK, and Europe.
Is RC365 a public or private company?
RC365 is a public company. It is classified as public.
When was RC365 founded?
RC365 was founded in 2013. It employs 1 to 10 people.
Where is RC365 based?
RC365 is headquartered in London, United Kingdom, in the Europe region.
How does RC365 make money?
Six revenue lines are on record. SaaS Platform Fees are the primary driver. The others are transaction/Percentage Fees, payment Gateway Services, card Programme Management, IT Support & Cybersecurity Services and money Lending Services.
Does RC365 have an API?
Yes. RC365's RC3.0 platform provides API connectivity for fintech solutions. The platform enables integration for multi-currency virtual account services, trust management system modernization, and connects payment acceptance, account services, card issuance, and settlement into a unified ecosystem.
What industry is RC365 in?
RC365's product category is Payment Processing Platform. Its primary akta.pro industry code is FSAGALAB, Embedded Payments (Pay-ins, Pay-outs, Wallets), with a secondary code of FSAGALAE, Embedded Deposit Accounts & Digital Wallet Infrastructure. Its NAICS code is 52232 and its SIC code is 6199.