Roecny Digital Banking
- Company typePrivate
- Founded2018
- HeadquartersNew York, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Roecny Digital Banking does
Roecny Digital Banking is a private, Singapore-headquartered digital banking infrastructure provider founded in 2018 and operating across New York, London, and Hong Kong with 51-100 employees. The company operates a regulated multi-jurisdiction banking platform spanning Singapore, the United States (via sponsor banks Evolve Bank & Trust and Cross River Bank), and the United Kingdom, with an MPI license application pending at MAS as of November 2025.
The platform is delivered through four products: ROECNY One+ for consumer and business digital banking (multi-currency wallets, virtual and physical Mastercard cards, P2P, remittance via Mastercard local rails and SWIFT), ROECNY GlobalX for enterprise treasury (regional accounts, local collection rails, FX conversion, corporate spend controls), Global BaaS for embedded banking infrastructure licensed to institutions and fintech programs, and Global Acquiring for global merchant payment acceptance across 700+ payment methods and 45+ FX currencies. KYC/KYB onboarding is supported via Persona and Plaid integrations, and communications via Twilio, while PCI DSS-grade password policy and MFA are enforced for user access.
Roecny generates revenue primarily through transaction-based fees on transfers, FX conversion spreads, card issuing and management fees, BaaS infrastructure subscriptions, and recurring wallet/account fees including dormancy charges. Distribution combines a self-serve PLG motion on onebank.roecny.com for consumer and SMB onboarding with dedicated enterprise field sales for GlobalX, Global BaaS, and Global Acquiring engagements, alongside an OEM/embedded channel distributing BaaS infrastructure through licensed institutions and fintech programs.
Roecny Digital Banking firmographics
Firmographics- Name
- Roecny Digital Banking
- Legal name
- ROECNY GROUP LLC
- Website
- https://roecny.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Roecny Digital Banking industry classification
Industry- Product category
- Digital Banking Infrastructure
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Credit Card Issuing (52221)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE)
- akta.pro secondary industries
- Cross-Border FX, Multi-Currency & Treasury for Payments (FSAGABAK), Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG), Payables & Disbursements (ACH/SEPA, wires, checks, virtual cards) (FSABAIAB), Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK)
Keywords
Where Roecny Digital Banking is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices4 records
Markets served
Roecny Digital Banking business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Transaction and Transfer Fees: Fees charged on domestic payouts, remittances, SWIFT transfers, P2P transfers, and cross-border transactions. FAST transfers in Singapore and Mastercard local rails generate transaction-based revenue.
- Multi-Currency Wallet and FX Services: Revenue from foreign exchange conversion services when users convert between supported currencies (45+ FX currencies). Spread or fees applied on currency conversion.
- Card Issuing Services: Mastercard virtual and physical card issuance with associated card management fees, usage fees, and card-related charges.
- BaaS Infrastructure Services: Embedded banking infrastructure fees charged to licensed institutions, platforms, and fintech programs deploying financial products via ROECNY's BaaS layer.
- Wallet and Account Services: Fees associated with wallet accounts including dormancy fees for inactive wallets, refund processing fees, and transfer/service fees as defined in the fees and charges schedule.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Protected Account (Pre-KYC) - Basic tier with transaction limits |
| Subscription | Monthly | Protected Account (Post-KYC) - Verified tier with higher limits |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels6 records
Roecny Digital Banking product offering
Product offeringCore offering
Roecny Digital Banking provides a regulated global digital banking infrastructure with four products: ROECNY One+ offers multi-currency consumer and business accounts, virtual and physical Mastercard cards, P2P transfers, remittance and FX services. ROECNY GlobalX delivers enterprise treasury infrastructure with regional accounts, local collections, cross-border operating rails, and FX conversion. Global BaaS supplies banking-as-a-service infrastructure enabling licensed institutions, platforms, and fintech programs to deploy embedded finance products. Global Acquiring supports merchant payment acceptance across cards, wallets, and local methods in 700+ payment methods across 190+ countries.
Product overview
Roecny Digital Banking offers a four-product suite for global banking and payments: ROECNY One+ provides consumer and business digital banking with accounts, cards, remittance, and FX; ROECNY GlobalX delivers enterprise treasury infrastructure with regional accounts and local rails; Global BaaS enables embedded banking infrastructure for licensed institutions and fintech programs; and Global Acquiring provides global payment acceptance across cards, wallets, and local methods. The platform supports 190+ countries and regions with coverage in 15+ major economic regions, 45+ FX currencies, and 700+ payment methods. The products share regulated infrastructure spanning Singapore, the United States, and the United Kingdom, with accounts available in USD and SGD.
Differentiator
Problem solved
Functional benefit
Brands
- ROECNY One+: Consumer and business digital banking with accounts, wallets, cards, and global transfers.
- ROECNY GlobalX
- Global BaaS
- Global Acquiring
Products and services
- ROECNY One+ Global digital banking platform for personal and business customers offering multi-currency accounts (USD, SGD), virtual and physical Mastercard cards, international remittance, P2P transfers, and foreign exchange capabilities via Mastercard local rails and SWIFT.
- ROECNY GlobalX Enterprise treasury infrastructure providing regional account coverage, local payment rails, FX conversion, corporate spend management, and treasury workflows for businesses operating across multiple markets.
- Global BaaS Banking-as-a-Service infrastructure platform enabling licensed financial institutions, technology platforms, and fintech programs to deploy embedded banking, card issuing, and payment capabilities under their own branding via APIs.
- Global Acquiring Global payment acceptance solution supporting card transactions, digital wallets, local payment methods, and cross-border merchant workflows for businesses accepting payments internationally across 700+ payment methods.
Quantifiable outcome
- 190+ countries and regions with global banking coverage
- +3 more outcomes
Companies that use Roecny Digital Banking
Customer profileSegments5 records
Ideal customer profiles5 records
Roecny Digital Banking technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
Feature7 records
Roecny Digital Banking partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered core and supporting.
- MastercardcorePayment network partnership enabling virtual and physical Mastercard card issuance, card processing, and global acceptance across the Mastercard network.
- VisacorePayment network partnership for card acceptance and processing capabilities across Visa's global payment network.
- UnionPaysupportingPartnership for expanded payment acceptance across UnionPay's network, particularly relevant for Asia-Pacific coverage.
- PlaidsupportingIdentity verification and onboarding integration partner for financial data access and identity confirmation.
- PersonasupportingIdentity verification services for KYC/KYB compliance and customer identity verification during onboarding.
- NuveisupportingPayment technology integration for global payment acceptance and processing capabilities.
- TwiliosupportingCommunications platform partnership for SMS, voice, and messaging services supporting customer notifications and OTP delivery.
- Evolve Bank & TrustcoreUS banking partner providing demand deposit account infrastructure and ACH services. ROECNY ACH Sender Agreement references Evolve Bank & Trust as the issuing bank for US accounts.
- Cross River BankcoreUS sponsor bank partner referenced in E-sign and Electronic Communications Agreement as FDIC member institution providing deposit account services.
- Silk Road International BanksupportingBanking partner supporting regional operations, particularly for cross-border trade finance and Belt and Road Initiative corridors.
- China PostsupportingPartnership for logistics and postal network integration supporting cross-border payment and commerce services.
Scale indicators8 records
Recent moves7 records
Expansion highlights6 records
Roecny Digital Banking competitors and assessment
Company assessmentDirect peers
- Nium: Cross-border payments and BaaS infrastructure for fintechs and enterprises, with issuing, multi-currency accounts, and global payment rails — closely aligned with Roecny's Global BaaS and GlobalX positioning.
- Wise: Multi-currency accounts and low-cost cross-border transfers for consumers and businesses, with regulated local-rail infrastructure in Europe, APAC, and the Americas — overlapping Roecny's remittance, FX, and consumer wallet propositions.
- Payoneer: Cross-border payments, multi-currency receiving accounts, and working capital for SMBs, marketplaces, and freelancers — comparable to Roecny's One+ business banking and global acquiring for SMB use cases.
- Airwallex: Global B2B payments and embedded finance platform offering multi-currency accounts, cross-border transfers, FX, cards, and BaaS APIs across Asia, EMEA, and the Americas — directly comparable to Roecny's One+, GlobalX, and Global BaaS products.
- Statrys: Hong Kong and Singapore based business banking with multi-currency accounts, FX, and corporate cards across Asia corridors — competes head-to-head with Roecny GlobalX in cross-border Asia treasury and with One+ for Asian SMBs.
Emerging players
- Currencycloud (Visa): Multi-currency wallets, FX, and cross-border payment infrastructure acquired by Visa — comparable to Roecny's wallet, FX, and BaaS rails for platforms and fintechs.
- Modulr: UK-based payments and BaaS provider for fintechs and platforms with accounts, payments, and card issuance via API — overlaps Roecny's UK e-money, BaaS, and embedded card product suite for European fintechs.
Broad incumbents
- Stripe Treasury / Stripe Issuing: Embedded financial services infrastructure (Issuing and Treasury) on top of Stripe payments, with global APIs and partner bank coverage — overlaps substantially with Roecny's Global BaaS and embedded card-issuing capabilities.
- Adyen: Global payment acceptance platform for large enterprises with broad card and local payment method coverage; overlaps with Roecny's Global Acquiring but serves a larger, more enterprise-skewed merchant base.
Regional players
- LianLian Pay: China-headquartered cross-border payments provider offering multi-currency accounts, FX, card acquiring, and BaaS for Asia, particularly Belt and Road corridors — comparable geographic and product overlap with Roecny's Silk Road International Bank and China Post partnerships.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
Roecny Digital Banking social profiles
Digital presenceRoecny Digital Banking compliance and trust
Trust signalCompliance3 records
Roecny Digital Banking financial estimates
Financial estimateRevenue estimate
Valuation estimate
Roecny Digital Banking leadership team
Management profileNumber of profiles
Roecny Digital Banking funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Roecny Digital Banking 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 Roecny Digital Banking
What does Roecny Digital Banking do?
Roecny Digital Banking provides a regulated global digital banking infrastructure with four products: ROECNY One+ offers multi-currency consumer and business accounts, virtual and physical Mastercard cards, P2P transfers, remittance and FX services. ROECNY GlobalX delivers enterprise treasury infrastructure with regional accounts, local collections, cross-border operating rails, and FX conversion. Global BaaS supplies banking-as-a-service infrastructure enabling licensed institutions, platforms, and fintech programs to deploy embedded finance products. Global Acquiring supports merchant payment acceptance across cards, wallets, and local methods in 700+ payment methods across 190+ countries.
Is Roecny Digital Banking a public or private company?
Roecny Digital Banking is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Roecny Digital Banking founded?
Roecny Digital Banking was founded in 2018. It employs 11 to 50 people.
Where is Roecny Digital Banking based?
Roecny Digital Banking is headquartered in New York, United States, in the North America region.
How does Roecny Digital Banking make money?
Five revenue lines are on record. Transaction and Transfer Fees are the primary driver. The others are multi-Currency Wallet and FX Services, card Issuing Services, baaS Infrastructure Services and wallet and Account Services.
Who are Roecny Digital Banking's main competitors?
Direct peers on record are Nium, Wise, Payoneer, Airwallex and Statrys. Emerging players are Currencycloud (Visa) and Modulr. Broad incumbents are Stripe Treasury / Stripe Issuing and Adyen. LianLian Pay is listed as a regional player.
Does Roecny Digital Banking have an API?
No public API is recorded for Roecny Digital Banking.
What industry is Roecny Digital Banking in?
Roecny Digital Banking's product category is Digital Banking Infrastructure. Its primary akta.pro industry code is FSAGALAE, Embedded Deposit Accounts & Digital Wallet Infrastructure, with a secondary code of FSAGABAK, Cross-Border FX, Multi-Currency & Treasury for Payments. Its NAICS code is 522320 and its SIC code is 6199.