Brainrock
Breinrock is a Cyprus-headquartered global fintech operating a multi-currency payments and neo-banking platform across six regulated jurisdictions, serving international businesses, SMBs, and fintech partners with multi-currency accounts, local payment rails in five markets, Mastercard prepaid cards, and white-label BaaS APIs.
- Company typePrivate
- Founded2019
- HeadquartersLimassol, Cyprus
- Headcount1–10
- GTM typeB2B and B2C
- OfferingSoftware
What Brainrock does
Breinrock is a Cyprus-headquartered private fintech operating a multi-currency payments and neo-banking platform across six regulated entities in Cyprus, Canada, the UK, the Czech Republic/EU, the UAE (DIFC), and Switzerland. It serves businesses with international payment needs, SMB and mid-market companies, fintech and platform businesses seeking embedded finance, and individuals requiring multi-currency accounts. The company's product portfolio comprises multi-currency accounts (USD, EUR, GBP, CAD, AED with 40+ currency send/receive), the Breinrock Payment Network providing direct local rail connectivity (SEPA, FPS, CHAPS, ACH, Fedwire, EFT, Interac, Aani) in five jurisdictions, BPN International for local payouts in 60+ countries, Mastercard-enabled Rock 'N' Pay prepaid cards in three tiers, online FX, and a white-label Banking-as-a-Service API platform.
The technical foundation is a multi-rail payment infrastructure with proprietary local rail integrations, a self-serve eBanking web platform, native iOS and Android applications, and API-accessible BaaS endpoints. The company compares itself against 'typical providers' on its homepage across SWIFT breadth (40+ currencies), local payout coverage (60+ currencies), domestic settlement in five markets, integrated FX, and dedicated relationship management as differentiators.
Commercially, Breinrock generates revenue through payment transaction fees, multi-currency account service fees, BaaS platform/API fees, FX conversion spreads, and prepaid card issuance and maintenance fees. Go-to-market is hybrid: enterprise sales with dedicated relationship managers across all six offices, self-serve digital onboarding via web and mobile, and OEM/white-label embedded partnerships via the BaaS channel. Pricing is not publicly disclosed and is quote-based per client. Founder Zoran Radovanovic leads a management team of approximately 15 named executives spanning compliance, risk, payments, onboarding, and regional operations.
Brainrock firmographics
Firmographics- Name
- Brainrock
- Legal name
- Breinrock Limited
- Website
- https://breinrock.com
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Breinrock is a Cyprus-headquartered global fintech operating a multi-currency payments and neo-banking platform across six regulated jurisdictions, serving international businesses, SMBs, and fintech partners with multi-currency accounts, local payment rails in five markets, Mastercard prepaid cards, and white-label BaaS APIs.
- Ownership category
- akta.pro rank
Brainrock industry classification
Industry- Product category
- Cross-Border Payments & Digital Banking
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Credit Card Issuing (52221), Finance and Insurance (52)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- International / Multi-Currency Wallets (FSAMAEAL)
- akta.pro secondary industries
- Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE), Embedded Wallets (Platforms & Marketplaces) (FSAMAEAM), Cross-Border Card-Based Transfers & Multi-Currency Cards (FSAGAKAE), Cross-Border Payouts & Mass Disbursements (Pay-outs) (FSAMAIAJ)
Keywords
Where Brainrock is headquartered
LocationHeadquarters
- HQ city
- Limassol
- HQ country
- Cyprus
- HQ region
- Europe
Offices6 records
Markets served
Brainrock business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Payment Transaction Fees: Fees charged for sending and receiving cross-border and local payments via SWIFT, SEPA, ACH, Fedwire, and other payment networks. Volume-based transaction fees for international transfers.
- Multi-currency Account Services: Account maintenance and management fees for corporate and personal multi-currency accounts. Charges for account setup and ongoing servicing.
- Banking-as-a-Service (BaaS) Platform Fees: API access fees and platform fees for white-label BaaS partners embedding Breinrock's financial infrastructure. Revenue from businesses integrating accounts, payments, cards, and FX via APIs.
- Foreign Exchange Conversion: Spread or commission charged on currency conversions between USD, EUR, GBP, CAD, and AED. Revenue generated from FX transactions between primary currency accounts.
- Prepaid Card Services: Fees associated with prepaid Mastercard cards including issuance, reload, ATM withdrawals, and monthly/maintenance fees. Tiered offering (Standard, Elite, Elite Plus) with varying fee structures.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Multi-year contract | Every client receives a dedicated Relationship Manager at no additional cost |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels7 records
Brainrock product offering
Product offeringCore offering
Breinrock provides a unified neo-banking and cross-border payments platform for businesses and individuals, centered on multi-currency accounts in USD, EUR, GBP, CAD, and AED, direct local-rail payment infrastructure (the Breinrock Payment Network) across the UAE, UK, EU, US, and Canada, Mastercard-enabled Rock 'N' Pay prepaid cards, online FX, and a white-label Banking-as-a-Service API that lets partners embed accounts, payments, cards, and FX under their own brand.
Product overview
Breinrock is a global fintech payments platform operating as a unified neo-banking solution. The core offering consists of six integrated products: Multicurrency Accounts (for personal and corporate use in USD, EUR, GBP, CAD, and AED with 40+ currency support), the Breinrock Payment Network (local payment rails in UAE, UK, EU, US, and Canada), BPN International (local payouts in 60+ countries), Rock 'N' Pay Prepaid Cards (Mastercard-enabled physical and virtual cards in Standard/Elite/Elite Plus tiers), Foreign Exchange (instant currency conversion), and Banking-as-a-Service (white-label API platform for embedding financial services). The platform is backed by multi-jurisdictional licensing (Canada, UK, UAE, Czech Republic, Switzerland) and includes dedicated relationship management for all clients.
Differentiator
Problem solved
Functional benefit
Brands
- Rock 'N' Pay: Mastercard-enabled prepaid cards for personal and business use, available in Standard, Elite, and Elite Plus tiers with physical and virtual card options.
- BPN International
- Breinrock Payment Network
Products and services
- Multicurrency Accounts Personal and corporate payment accounts supporting deposits in USD, EUR, GBP, CAD, and AED with the ability to send and receive in 40+ currencies through a single unified account.
- Breinrock Payment Network (BPN) Local payment infrastructure enabling domestic currency transfers within UAE, UK, EU, US, and Canada using regional payment rails (SEPA, CHAPS, FPS, ACH, Fedwire, EFT, Interac, Aani) for faster settlement and reduced costs versus SWIFT correspondent chains.
- BPN International Local payout service enabling disbursements in 60+ countries using local banking rails instead of SWIFT, providing faster settlement and lower transaction costs for international obligations, with bulk, automated, and multi-currency disbursements.
- Rock 'N' Pay Prepaid Cards Mastercard-enabled prepaid cards in Standard, Elite, and Elite Plus tiers for personal and business use with physical and virtual options, multi-currency support (EUR/GBP), real-time online spending tracking, and global acceptance across 150+ countries where Mastercard is supported.
- Foreign Exchange Online currency exchange service enabling instant conversion between primary account currencies (USD, EUR, GBP, CAD, AED) with competitive rates, integrated 24/7 via the eBanking platform.
- Banking-as-a-Service (BaaS) White-label BaaS platform providing API-accessible financial infrastructure including multi-currency accounts, payment rail connectivity, card issuance, and FX operations for embedding under partner brands without requiring full banking licenses (white-label, configurable products, no license burden, regulated multi-jurisdiction).
Quantifiable outcome
- Local payment settlement times via domestic rails vs multi-day SWIFT correspondent chains
- +1 more outcomes
Companies that use Brainrock
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles4 records
Brainrock technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration15 records
Feature6 records
Brainrock partnerships and signals
Strategic signalScale indicators5 records
Recent moves6 records
Expansion highlights5 records
Brainrock competitors and assessment
Company assessmentDirect peers
- Wise: Wise (formerly TransferWise) is a direct peer offering multi-currency accounts, cross-border payments via local rails, and business/SMB accounts in dozens of currencies — overlapping directly with Breinrock's core account and BPN offerings across the same UK, EU, and Canada corridors.
- Airwallex: Airwallex provides multi-currency business accounts, local payment rails, FX, and BaaS/embedded finance APIs targeting SMBs and enterprises — directly comparable to Breinrock's full product stack across multi-currency accounts, BPN, and white-label BaaS.
- Revolut: Revolut offers multi-currency accounts, FX, prepaid cards on Mastercard/Visa, and business accounts across the UK, EU, and beyond — a direct competitor in personal/business multi-currency accounts and Mastercard prepaid card issuance.
- NIUM: NIUM is a global payments infrastructure platform offering real-time cross-border payouts, multi-currency accounts, and card issuance via API — directly comparable to Breinrock's BPN International payouts, multi-currency accounts, and BaaS offerings.
- Currencycloud: Currencycloud (a Visa-owned fintech) provides cross-border payment infrastructure and FX APIs to banks and fintechs — a comparable cross-border payments and BaaS infrastructure peer to Breinrock's BPN and BaaS offerings.
- Payoneer: Payoneer provides cross-border payments and multi-currency receiving accounts for SMBs, freelancers, and marketplaces — closely aligned with Breinrock's SMB cross-border payments and multi-currency account proposition.
- Mangopay: Mangopay provides BaaS infrastructure tailored to marketplaces and platforms — offering multi-currency accounts, payment initiation, and FX via API, comparable to Breinrock's white-label BaaS targeting fintechs and marketplaces.
- Banking Circle: Banking Circle provides payment and banking infrastructure (accounts, local payment rails, FX) to banks and fintechs — comparable to Breinrock's role as a regulated intermediary offering multi-currency accounts and cross-border payment connectivity.
- Solarisbank: Solarisbank is a regulated Banking-as-a-Service platform offering accounts, cards, payments, and lending via API under EU/BAFin licensing — a direct peer in white-label embedded finance infrastructure for fintechs and enterprises.
Broad incumbents
- Remitly: Remitly is a large cross-border remittance and payments provider operating across 100+ countries — adjacent to Breinrock's BPN International local payout service, but focused more on consumer remittances than SMB/enterprise cross-border.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights5 records
Customer concentration
Brainrock social profiles
Digital presenceBrainrock compliance and trust
Trust signalCompliance5 records
Brainrock financial estimates
Financial estimateRevenue estimate
Valuation estimate
Brainrock leadership team
Management profileNumber of profiles
Profiles6 records
Brainrock subsidiaries and ownership
Company hierarchySubsidiaries5 records
Brainrock funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Brainrock 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 Brainrock
What does Brainrock do?
Breinrock provides a unified neo-banking and cross-border payments platform for businesses and individuals, centered on multi-currency accounts in USD, EUR, GBP, CAD, and AED, direct local-rail payment infrastructure (the Breinrock Payment Network) across the UAE, UK, EU, US, and Canada, Mastercard-enabled Rock 'N' Pay prepaid cards, online FX, and a white-label Banking-as-a-Service API that lets partners embed accounts, payments, cards, and FX under their own brand.
Is Brainrock a public or private company?
Brainrock is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Brainrock founded?
Brainrock was founded in 2019. It employs 1 to 10 people.
Where is Brainrock based?
Brainrock is headquartered in Limassol, Cyprus, in the Europe region.
How does Brainrock make money?
Five revenue lines are on record. Payment Transaction Fees are the primary driver. The others are multi-currency Account Services, banking-as-a-Service (BaaS) Platform Fees, foreign Exchange Conversion and prepaid Card Services.
Who are Brainrock's main competitors?
Direct peers on record are Wise, Airwallex, Revolut, NIUM, Currencycloud, Payoneer, Mangopay, Banking Circle and Solarisbank. Remitly is listed as a broad incumbent.
Does Brainrock have an API?
Yes. The BaaS API exposes financial capabilities including endpoints for account creation, payment initiation, card issuance, and FX operations. Breinrock's white-label BaaS platform allows businesses to embed accounts, FX, and cards via API under their own brand. No public documentation URL is provided in source materials; the API is accessible through developer-friendly integration.
What industry is Brainrock in?
Brainrock's product category is Cross-Border Payments & Digital Banking. Its primary akta.pro industry code is FSAMAEAL, International / Multi-Currency Wallets, with a secondary code of FSAGALAE, Embedded Deposit Accounts & Digital Wallet Infrastructure. Its NAICS code is 522320 and its SIC code is 6199.