Ephelia Group

What Ephelia Group does

Ephelia Group is a London-headquartered regulated Fintech-as-a-Service infrastructure provider that combines multi-jurisdictional licensing, fiat and blockchain core banking, es-Currencies (regulated streamable e-money tokens), and AI orchestration into a four-layer platform architecture. The company operates through eight regulated subsidiaries spanning the US, UK, EU (Italy), Switzerland, New Zealand, Guernsey and Canada, covering e-money, MSB, VASP and asset-management activities. Core technology includes the Regulated Tech Platform (Layer 1 regulatory backbone, Layer 2 core banking, Layer 3 es-Currencies settlement, Layer 4 AI orchestration), the Finance Interoperability Layer (FIL) for cross-rail connectivity, and the Kiedo Kompliance AI-first compliance offering, with es-Currencies available in es-USD, es-EUR, es-GBP and es-CHF variants.

Ephelia serves financial institutions, banks, EMIs, fintechs, platforms, asset/wealth managers, gaming and digital platforms, remittance providers, FX brokers, corporates and centralized crypto exchanges via three go-to-market motions: enterprise field sales, API-first platform access, and white-label/embedded deployments where clients rebrand Ephelia's regulated infrastructure. Revenue is generated through platform/SaaS licensing fees, white-label subscriptions, transaction and payment fees (including es-Currencies settlement, card issuing/acquiring and remittance corridors), Asset Management-as-a-Service, Compliance-as-a-Service and bespoke Technology-as-a-Service builds. Named reference customers are limited to three startup portfolio companies (Toonie, Streamable Finance, RampX) operating on Ephelia's rails, alongside unnamed design-partner enterprise engagements.

The company employs approximately 6 people despite its multi-jurisdictional scale, with operational offices in London, Italy, Luxembourg, Switzerland, the US, Canada and New Zealand. Sub-brands include Kiedo.AI, Kiedo Kompliance, Ephelia Labs and the StreamSure white-label streaming-escrow product, while the proprietary Finance Interoperability Layer is positioned as an open interoperability standard for value transfer across e-money, banks, stablecoins and blockchains. No external institutional investors, funding rounds or revenue figures were disclosed in the available source material.

Name

Ephelia Group

Legal name

Ephelia Group

Website

https://epheliagroup.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Ephelia Group is a London-based regulated Fintech-as-a-Service provider combining multi-jurisdictional licensing, fiat-and-blockchain core banking, es-Currencies (streamable e-money tokens), and AI orchestration into a four-layer platform for financial institutions, fintechs, asset managers, gaming platforms, remittance providers, and CEXs.

Ownership category

akta.pro rank

Product category

Fintech-as-a-Service Infrastructure

NAICS

Finance and Insurance (52), Depository Credit Intermediation (5221), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523), Portfolio Management and Investment Advice (523940)

SIC

Finance Services (6199), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

BaaS Platforms & Sponsor Bank Enablement (FSAGALAA)

akta.pro secondary industries

Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK), Tokenized Collateral & On-Chain Credit Infrastructure (Collateral Mgmt, Liquidations) (FSAGAMAK), Yield, Vaults & Asset Management (vault strategies, robo-vaults, structured yield) (FSAPAEAG)

Keywords

• Fintech-as-a-service
• E-money infrastructure
• Embedded finance platform
• Payment orchestration
• Regulated banking rails

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices7 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Platform/SaaS Licensing: API access and platform licensing fees for using regulated tech infrastructure including e-money accounts, es-Currencies settlement, AI orchestration, and compliance services.
2. White-Label Solutions: Revenue from white-label deployments where clients rebrand Ephelia's infrastructure as their own, combining tech, licences and compliance under their brand.
3. Transaction & Payment Fees: Fees on payment flows, es-Currencies settlement, card issuing and acquiring, remittance corridors, and tokenized asset transactions.
4. Asset Management-as-a-Service: White-label investment platform fees and tokenized fund management services for asset managers, wealth managers and family offices.
5. Compliance-as-a-Service: Managed compliance operations including KYC/KYB onboarding, transaction monitoring, investigations, and regulatory reporting as a white-label service.
6. Technology-as-a-Service / Custom Builds: Bespoke platforms and core banking developments co-designed with clients, including complex verticals and FIL-ready architectures.

Go-to-market motion3 records

Distribution channels5 records

Marketing channels5 records

Core offering

Ephelia Group provides a regulated Fintech-as-a-Service infrastructure platform that combines multi-jurisdictional licences, fiat and blockchain core banking, es-Currencies (regulated streamable e-money tokens), and AI orchestration into a four-layer architecture. The platform is delivered via APIs, white-label components, and bespoke builds for financial institutions, banks, EMIs, fintechs, platforms, asset managers and centralized exchanges to launch embedded finance products on compliant rails.

Product overview

Ephelia Group is a regulated Fintech-as-a-Service infrastructure platform combining multi-jurisdictional licenses, FIAT and blockchain core banking, es-Currencies (streamable e-money tokens), and AI orchestration into a unified four-layer architecture. The core Regulated Tech Platform serves as the foundational infrastructure, with the Finance Interoperability Layer (FIL) providing cross-rail connectivity. The product portfolio includes es-Currencies (streamable digital money), Kiedo Kompliance (AI-first compliance), Kiedo.AI (AI platform), and Ephelia Labs (innovation division). Service offerings span Fintech-as-a-Service, Asset Management-as-a-Service, Compliance-as-a-Service, White-Label Solutions, and the Agentic AI Framework. AI capabilities include autonomous agents for accounting, treasury, compliance and customer interaction, automated reconciliation, payment-rail intelligence, and anomaly detection. The ecosystem encompasses portfolio projects including Toonie (remittance), Streamable Finance (investment/treasury), and RampX (on/off-ramps), all built on shared licensed infrastructure across EEA, UK, Switzerland, US, Canada and New Zealand.

Differentiator

Problem solved

Functional benefit

Brands

• Kiedo.AI: AI-first Compliance-as-a-Service platform designed to help institutions manage KYC/KYB, AML and transaction monitoring with AI agents supporting onboarding, policy-driven reviews and ongoing monitoring.
• Kiedo Kompliance
• Streamable Finance
• Toonie
• RampX
• Ephelia Labs

Products and services

• Regulated Tech Platform Ephelia's core regulated fintech infrastructure combining four layers: a regulatory backbone with multi-jurisdictional licences, FIAT and blockchain core banking services (accounts, wallets, payments, FX, card issuing/acquiring), an es-Currencies settlement layer, and AI orchestration for reconciliation, payment-rail intelligence and programmable treasury.
• es-Currencies Regulated, 100% fiat-backed e-money tokens (es-USD, es-EUR, es-GBP, es-CHF) operating across traditional payment systems and blockchain rails. Enable instant, 24/7 settlement and streaming payments so value can move continuously in real time rather than in discrete transfers.
• Kiedo Kompliance AI-first Compliance-as-a-Service platform for KYC/KYB orchestration, AML and transaction monitoring. Uses specialised AI agents to support onboarding, policy-driven reviews and ongoing monitoring for compliance teams operating across traditional finance and blockchain environments. White-label capable.
• Finance Interoperability Layer (FIL) An open, policy-aware interoperability architecture connecting e-money, banks, stablecoins and blockchains. Provides a unified identity layer, a policy layer for compliance and risk, a routing mesh across fiat and crypto rails, and connectors to existing systems such as SEPA, ACH, card networks, instant payments, stablecoins and L2s.
• Fintech-as-a-Service Multi-jurisdictional licensed infrastructure combining e-money, payments, es-Currencies, tokenization and AI orchestration. Delivered via Platform (APIs), White-Label (branded products), or Build/Technology-as-a-Service (bespoke platforms). Includes E-Money & Payments-as-a-Service, Issuing & Acquiring-as-a-Service, AMaaS, CaaS and TaaS.
• Asset Management-as-a-Service (AMaaS) White-label, API-first platform for asset managers, wealth managers and family offices to deliver investment services. Supports multi-currency current accounts and securities accounts, tokenized funds and RWAs, programmable distributions via es-Currencies, and automated capital calls, distributions and rebalancing.
• White-Label Solutions Launch of regulated wallets, payments, investments, compliance services and tokenization platforms under client's own brand while Ephelia runs the licences, rails, es-Currencies and AI operations behind the scenes. Modular offering including Payments & E-money, Issuing & Acquiring, AMaaS, Compliance-as-a-Service and AI-orchestrated operations.
• Compliance-as-a-Service (CaaS) Full-stack compliance function covering client lifecycle management (KYC/KYB onboarding, PEP/sanctions screening, adverse media checks), transaction monitoring and investigations, ongoing due diligence and reviews, and regulatory reporting. Combines human compliance officers with AI-enabled tooling and is white-label capable.
• Agentic AI Framework A fully customisable AI framework of autonomous AI agents that independently interact with core-banking to optimise processes in real time. Includes specialised agents for compliance, reconciliation, payment-rail intelligence, programmable treasury and customer interaction with human-in-the-loop controls.
• E-Money & Payments Services Multi-currency accounts, wallets, payments, FX, card issuing and acquiring, with safeguarding structures, sub-accounting and reconciliation tooling.
• Issuing & Acquiring Virtual and physical cards, BIN sponsorship and acquiring under client brand. Supports gaming wallets, remittance services and corporate spend card programs.
• Ephelia Labs Innovation engine within Ephelia focused on advanced AI-driven systems for critical financial functions including customer support, AML, accounting, compliance, risk, transaction monitoring and payments. Operates via a structured sprint model (MVP to production) and is open to external builders and early design partners.

Quantifiable outcome

• Settlement times reduced from days to minutes for asset management and treasury operations
• +2 more outcomes

Named customers3 records

Segments6 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability10 records

Feature7 records

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Solaris SE: Germany-based Banking-as-a-Service provider offering regulated e-money accounts, cards, payments and embedded finance APIs across Europe — direct competitor in regulated FaaS for platforms and fintechs.
• Railsr: UK-based BaaS / embedded finance platform offering e-money accounts, card issuing, payments and white-label infrastructure to fintechs and brands — directly comparable to Ephelia's regulated FaaS stack.
• Currencycloud: Cross-border payments and FX-as-a-Service platform (now part of Visa) offering multi-currency wallets, FX and payments APIs to fintechs and banks — comparable in cross-border FaaS and FX orchestration.
• Banking Circle: Embedded banking and payments infrastructure provider offering multi-currency accounts, payments and BaaS to fintechs and banks — closely comparable in regulated, multi-jurisdictional FaaS positioning.
• BVNK: Stablecoin and fiat payments orchestration platform for businesses, offering on/off-ramps, treasury and multi-rail settlement — directly comparable to Ephelia's es-Currencies and RampX-style offering.
• ClearBank: UK clearing bank and BaaS platform providing regulated accounts, payments and embedded banking infrastructure to fintechs and banks — directly comparable in UK/EU regulated FaaS.

Broad incumbents

• Stripe: Global payments and embedded finance incumbent (Stripe Connect, Issuing, Treasury) — comparable in API-first BaaS and white-label fintech infrastructure, with vastly broader scale and capital.
• Circle: USDC stablecoin issuer and regulated digital asset infrastructure provider — comparable in regulated stablecoin/e-money token infrastructure and cross-rail settlement vision.
• Marqeta: Public card-issuing and payments infrastructure platform serving fintechs and enterprises with APIs and embedded finance — comparable on the issuing/acquiring and API-first delivery side of Ephelia's stack.

Emerging players

• Paxos: Regulated blockchain infrastructure platform for stablecoins, tokenization and custody — comparable in regulated tokenized settlement and asset-management infrastructure.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/ephelia-group

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries8 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Ephelia Group