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FinanceOne

Full company profile

uuid004f8ha

Namestring
FinanceOne
Legal namestring
FinanceOne sh.p.k.
Websiteurl
financeone.al
Company typeenum
Private
Founded yearint
2023
Descriptiontext

FinanceOne sh.p.k. is an Albania-headquartered Electronic Money Institution operating a mobile-first digital wallet application on iOS and Android. Founded in 2023 in Tirana, the company offers a multi-currency wallet supporting Albanian Lek (ALL), EUR, USD, and GBP, with feature capability spanning QR-code-based in-store payments (processed in 15–20 seconds), peer-to-peer transfers, currency exchange at Bank of Albania average rates, utility bill payments, and online shopping. Onboarding is entirely self-serve, with KYC completed in-app via liveness detection and ID-document verification under Albanian AML/KYC rules.

The product stack comprises the FinanceOne Application (the core wallet) and a physical FinanceOne Card that can be tokenized into Google Pay and Apple Pay for contactless acceptance at POS terminals and online merchants. The company is in the process of formalizing its Electronic Money Institution license from the Bank of Albania and publicly represents itself as already licensed and monitored. Distribution runs exclusively through app stores and direct QR-code download, with marketing presence on Instagram, Facebook, and LinkedIn.

FinanceOne monetizes through a two-tier subscription model: a Free plan at 0 Lekë/month and a Premium plan at 200 Lekë/month that adds 24/7 priority support, immediate transfer approvals, and advanced analytics. A secondary revenue stream comes from transaction fees on wallet top-ups, withdrawals, and third-party services, with third-party commissions borne by the customer on the Free tier. The product is targeted at individual consumers across Albania, Kosovo, and approximately 30 EEA countries, with a horizontal segmentation approach and no named enterprise customers. Revenue, funding, customer count, and ownership are not disclosed.

Short descriptiontext

FinanceOne sh.p.k. is an Albania-based Electronic Money Institution that operates a mobile-first, multi-currency digital wallet (ALL, EUR, USD, GBP) with QR payments, peer-to-peer transfers, currency exchange, and a tokenizable physical card, serving individual consumers across Albania, Kosovo, and approximately 30 EEA countries.

Operating statusenum
Operating
Ownership categoryenum
Headcount rangeband
11–50
akta.pro rankint
HeadquartersTirana, Albania
HQ citystring
Tirana
HQ countrystring
Albania
HQ regionstring
Europe
Markets served

Serves global market

Offices1 record

Each record includes

City, Country, Type, Description, Source

Keyword5 values
digital wallet services, mobile payments, electronic money institution, multi-currency wallet, QR code payments
Industry4 codes
1Digital Wallet Platforms (Consumer & Merchant)
CodeBPAMAFACPrimaryYes
2QR Code Payments Wallets
CodeFSAMAEACPrimaryNo
3Multi-Currency Accounts, Wallets & IBAN Services
CodeFSAMAIAGPrimaryNo
4Digital Payments & Money Movement (ACH/SEPA/FPS, Bill Pay, P2P)
CodeFSAGAAAFPrimaryNo
NAICS code1 code
  • Commercial Banking522110
SIC code1 code
  • Functions Related To Depository Banking, Nec6099
Product category
Digital Wallet / Mobile Payments
GTM motion1 record

Each record includes

Type, Description, Source

Revenue model2 records
1Subscription Plans
TypeSubscription Recurring
Description

Two-tier subscription model: Free plan (0 Lekë/month) and Monthly Payment plan (200 Lekë/month). Premium plan includes priority customer support (24/7), immediate approval for transfers, and access to advanced analytics features.

financeone.al
2Transaction Fees
TypeTransaction Fee
Description

Fees applied for various services including wallet top-ups, withdrawals, and third-party services. In the Free plan, third-party commissions are paid by the customer.

financeone.al
Marketing channels6 records

Each record includes

Title, Type, Stage, Description, Source

Distribution channels3 records

Each record includes

Title, Type, Scope, Target buyer, Description, Source

Cost components6 values
Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Supply Chain
Pricing details2 tiers
1Free Plan - Basic services at no monthly cost
ModelSubscriptionBilling cadenceMonthly
Notes

Monthly fee: 0 Lekë. Includes account opening, maintenance, internal payments, utility payments, bank transfer top-ups, card payments, withdrawals, and account closure. Third-party commissions paid by customer.

financeone.al
2Monthly Payment Plan - Premium support and features
ModelSubscriptionBilling cadenceMonthly
Notes

Monthly fee: 200 Lekë. Includes all Free Plan features plus priority customer support (24/7), immediate (vs standard) transfer approvals, and access to advanced analytical expense reporting features.

financeone.al
GTM typeB2C
B2C
Offering typeServices
Services
Core offering1 text field

FinanceOne operates a mobile-based digital wallet and Electronic Money Institution platform, available as an iOS and Android app, that lets individual consumers store funds in Albanian Lek (ALL), EUR, USD, and GBP, top up via bank transfers or cards, and make QR code in-store payments, peer-to-peer transfers, currency exchanges, and utility bill payments. The platform is paired with a physical FinanceOne Card and extends to Google Pay and Apple Pay for contactless payments.

Differentiator
Functional benefit
Problem solved
Quantifiable outcome1 value
  • QR code payments processed in 15-20 seconds
Product overview1 text field

FinanceOne is an Electronic Money Institution offering a digital wallet platform through its mobile application (available on iOS and Android) and a physical FinanceOne Card. The core FinanceOne Application serves as a multi-currency wallet supporting Albanian Lek (ALL), EUR, USD, and GBP, enabling wallet top-ups, peer-to-peer transfers, currency exchange, QR code payments, utility bill payments, and card transactions. The FinanceOne Card is a physical payment card linked to the user's digital wallet, extendable via Google Pay and Apple Pay for contactless payments. Together, the application and card provide a complete digital payment ecosystem for users in Albania, Kosovo, and EEA countries.

Product and service2 records
1FinanceOne Application
CategoryMobile digital wallet (core product)
Description

A mobile application (iOS and Android) serving as a digital wallet and Electronic Money Institution platform that enables individual consumers in Albania, Kosovo, and EEA countries to store funds as electronic money, make payments, peer-to-peer transfers, currency exchanges, and complete utility bill payments via QR code scanning.

2FinanceOne Card
CategoryPhysical payment card (core product)
Description

A physical payment card linked to the user's FinanceOne wallet, accepted at POS terminals and online merchants, that can be tokenized into Google Pay and Apple Pay for contactless payments at participating merchants. Available for users in Albania, Kosovo, and EEA countries.

Scale indicator1 record

Each record includes

Type, Value, Description, Source

Recent move6 records

Each record includes

Date, Type, Title, Description, Source

Expansion highlight5 records

Each record includes

Type, Description

Peers10 records
1PayPal
TypeBroad incumbent
Description

Established digital payments and wallet platform with QR, Apple/Google Pay and multi-currency. Broad incumbent whose acceptance network FinanceOne cannot match.

2Western Union
TypeBroad incumbent
Description

Global cross-border money transfer and digital wallet player with strong Albanian diaspora corridors. Comparable on cross-border EUR/USD/GBP flows that FinanceOne targets.

3Remitly
TypeEmerging player
Description

Digital remittance platform serving corridors including the Balkans. Comparable on cross-border flows, mobile-first UX and Western Balkan diaspora targeting.

4Revolut
TypeDirect peer
Description

Digital banking app with multi-currency wallet, QR payments, Apple/Google Pay tokenization and EEA-wide availability. Closest product analogue to FinanceOne's stated feature set.

5Monese
TypeEmerging player
Description

UK-based mobile-first account/wallet provider targeting migrants and EEA users. Comparable on mobile-first onboarding, multi-currency and EEA market focus, at similar stage of maturity.

6N26
TypeBroad incumbent
Description

European-licensed digital bank with mobile-first onboarding, multi-currency accounts and Apple/Google Pay. Larger established neobank operating across multiple EEA markets FinanceOne targets.

7Wise
TypeDirect peer
Description

Multi-currency digital wallet and cross-border transfer platform. Directly comparable to FinanceOne on multi-currency (50+ currencies), P2P/merchant payments and EEA availability, but at vastly greater scale.

8Skrill
TypeDirect peer
Description

Digital wallet supporting multi-currency balances, P2P transfers and merchant payments across EEA. Direct functional competitor with overlapping target users.

9Payoneer
TypeDirect peer
Description

Cross-border multi-currency digital wallet for receiving, holding and converting funds in EUR/USD/GBP. Comparable business model focused on freelancers, SMBs and emerging-market users.

10Paysera
TypeEmerging player
Description

EU-licensed electronic money institution offering multi-currency wallets, payments and currency exchange across EEA. Closely comparable in regulatory model and feature set to FinanceOne.

Market position
Strengths4 records

Each record includes

Headline, Details, Source

Weaknesses5 records

Each record includes

Headline, Details, Source

Competitive moat3 records

Each record includes

Type, Details

Key risks6 records

Each record includes

Headline, Details, Source

Key highlights7 records

Each record includes

Headline, Details, Source

Customer concentration

Classification, Details

Segment1 record

Each record includes

Title, Type, Primary, Description, Pain point addressed, Use case, Source

Ideal customer profile2 records

Each record includes

Profile, Firmographic size, Sales motion, Sales cycle length, Buying structure, Purchase trigger, Buyer persona, Geography, Industry vertical, Primary use case, Description, Pain points, Evidence proof points, Target buyer

Technology focused
Yes
API detail
Has APIbool
No

Docs URL, Description

Integration2 records

Each record includes

Title, Type, Description, Source

AI maturity
App detail

Has app

Feature5 records

Each record includes

Title, Differentiator, Description, Source

Core technology
Revenue estimate
Valuation estimate
Number of profiles
Profiles1 record

Each record includes

Name, Designation, Designation category, Overview, Profile commentary, Source

No data
Compliance1 record

Each record includes

Name, Class, Description

Funding overview

Funding stage, Last funding date, Total funding USD

Funding rounds

Each record includes

Round, Amount USD, Date, Pre money valuation, Total investors, Investors, News

Investors

Each record includes

Name, Type, Date of entry, Rounds participated, Website

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

M&A

Each record includes

Name, Acquisition type, Announced date, Completed date, Status, Website, News

Investment

Each record includes

Name, Round, Announced date, Lead investor, Website, News

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

FinanceOne

Digital Wallet / Mobile Paymentsfinanceone.al

FinanceOne sh.p.k. is an Albania-based Electronic Money Institution that operates a mobile-first, multi-currency digital wallet (ALL, EUR, USD, GBP) with QR payments, peer-to-peer transfers, currency exchange, and a tokenizable physical card, serving individual consumers across Albania, Kosovo, and approximately 30 EEA countries.

What FinanceOne does

FinanceOne sh.p.k. is an Albania-headquartered Electronic Money Institution operating a mobile-first digital wallet application on iOS and Android. Founded in 2023 in Tirana, the company offers a multi-currency wallet supporting Albanian Lek (ALL), EUR, USD, and GBP, with feature capability spanning QR-code-based in-store payments (processed in 15–20 seconds), peer-to-peer transfers, currency exchange at Bank of Albania average rates, utility bill payments, and online shopping. Onboarding is entirely self-serve, with KYC completed in-app via liveness detection and ID-document verification under Albanian AML/KYC rules.

The product stack comprises the FinanceOne Application (the core wallet) and a physical FinanceOne Card that can be tokenized into Google Pay and Apple Pay for contactless acceptance at POS terminals and online merchants. The company is in the process of formalizing its Electronic Money Institution license from the Bank of Albania and publicly represents itself as already licensed and monitored. Distribution runs exclusively through app stores and direct QR-code download, with marketing presence on Instagram, Facebook, and LinkedIn.

FinanceOne monetizes through a two-tier subscription model: a Free plan at 0 Lekë/month and a Premium plan at 200 Lekë/month that adds 24/7 priority support, immediate transfer approvals, and advanced analytics. A secondary revenue stream comes from transaction fees on wallet top-ups, withdrawals, and third-party services, with third-party commissions borne by the customer on the Free tier. The product is targeted at individual consumers across Albania, Kosovo, and approximately 30 EEA countries, with a horizontal segmentation approach and no named enterprise customers. Revenue, funding, customer count, and ownership are not disclosed.

FinanceOne firmographics

Firmographics
Name
FinanceOne
Legal name
FinanceOne sh.p.k.
Website
https://financeone.al
Company type
Private
Founded year
2023
Operating status
Operating
Headcount range
11–50 employees
Short description
FinanceOne sh.p.k. is an Albania-based Electronic Money Institution that operates a mobile-first, multi-currency digital wallet (ALL, EUR, USD, GBP) with QR payments, peer-to-peer transfers, currency exchange, and a tokenizable physical card, serving individual consumers across Albania, Kosovo, and approximately 30 EEA countries.
Ownership category
akta.pro rank

FinanceOne industry classification

Industry
Product category
Digital Wallet / Mobile Payments
NAICS
Commercial Banking (522110)
SIC
Functions Related To Depository Banking, Nec (6099)
akta.pro primary industry
Digital Wallet Platforms (Consumer & Merchant) (BPAMAFAC)
akta.pro secondary industries
QR Code Payments Wallets (FSAMAEAC), Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG), Digital Payments & Money Movement (ACH/SEPA/FPS, Bill Pay, P2P) (FSAGAAAF)

Keywords

  • Digital wallet services
  • Mobile payments
  • Electronic money institution
  • Multi-currency wallet
  • QR code payments

Where FinanceOne is headquartered

Location

Headquarters

HQ city
Tirana
HQ country
Albania
HQ region
Europe

Offices1 record

Markets served

FinanceOne business model

Business model
GTM type
B2C
Offering type
Services
Cost components
Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

  1. Subscription Plans: Two-tier subscription model: Free plan (0 Lekë/month) and Monthly Payment plan (200 Lekë/month). Premium plan includes priority customer support (24/7), immediate approval for transfers, and access to advanced analytics features.
  2. Transaction Fees: Fees applied for various services including wallet top-ups, withdrawals, and third-party services. In the Free plan, third-party commissions are paid by the customer.

Pricing tiers

ModelBillingPrice
SubscriptionMonthlyFree Plan - Basic services at no monthly cost
SubscriptionMonthlyMonthly Payment Plan - Premium support and features

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

FinanceOne product offering

Product offering

Core offering

FinanceOne operates a mobile-based digital wallet and Electronic Money Institution platform, available as an iOS and Android app, that lets individual consumers store funds in Albanian Lek (ALL), EUR, USD, and GBP, top up via bank transfers or cards, and make QR code in-store payments, peer-to-peer transfers, currency exchanges, and utility bill payments. The platform is paired with a physical FinanceOne Card and extends to Google Pay and Apple Pay for contactless payments.

Product overview

FinanceOne is an Electronic Money Institution offering a digital wallet platform through its mobile application (available on iOS and Android) and a physical FinanceOne Card. The core FinanceOne Application serves as a multi-currency wallet supporting Albanian Lek (ALL), EUR, USD, and GBP, enabling wallet top-ups, peer-to-peer transfers, currency exchange, QR code payments, utility bill payments, and card transactions. The FinanceOne Card is a physical payment card linked to the user's digital wallet, extendable via Google Pay and Apple Pay for contactless payments. Together, the application and card provide a complete digital payment ecosystem for users in Albania, Kosovo, and EEA countries.

Differentiator

Problem solved

Functional benefit

Products and services

  • FinanceOne Application A mobile application (iOS and Android) serving as a digital wallet and Electronic Money Institution platform that enables individual consumers in Albania, Kosovo, and EEA countries to store funds as electronic money, make payments, peer-to-peer transfers, currency exchanges, and complete utility bill payments via QR code scanning.
  • FinanceOne Card A physical payment card linked to the user's FinanceOne wallet, accepted at POS terminals and online merchants, that can be tokenized into Google Pay and Apple Pay for contactless payments at participating merchants. Available for users in Albania, Kosovo, and EEA countries.

Quantifiable outcome

  • QR code payments processed in 15-20 seconds

Companies that use FinanceOne

Customer profile

Segments1 record

Ideal customer profiles2 records

FinanceOne technology and API

Technology

Technology focussed Yes

API detail

Has API
No
API docs
API detail

Core technology

AI maturity

App detail

Integration2 records

Feature5 records

FinanceOne partnerships and signals

Strategic signal

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

FinanceOne competitors and assessment

Company assessment

Broad incumbents

  • PayPal: Established digital payments and wallet platform with QR, Apple/Google Pay and multi-currency. Broad incumbent whose acceptance network FinanceOne cannot match.
  • Western Union: Global cross-border money transfer and digital wallet player with strong Albanian diaspora corridors. Comparable on cross-border EUR/USD/GBP flows that FinanceOne targets.
  • N26: European-licensed digital bank with mobile-first onboarding, multi-currency accounts and Apple/Google Pay. Larger established neobank operating across multiple EEA markets FinanceOne targets.

Emerging players

  • Remitly: Digital remittance platform serving corridors including the Balkans. Comparable on cross-border flows, mobile-first UX and Western Balkan diaspora targeting.
  • Monese: UK-based mobile-first account/wallet provider targeting migrants and EEA users. Comparable on mobile-first onboarding, multi-currency and EEA market focus, at similar stage of maturity.
  • Paysera: EU-licensed electronic money institution offering multi-currency wallets, payments and currency exchange across EEA. Closely comparable in regulatory model and feature set to FinanceOne.

Direct peers

  • Revolut: Digital banking app with multi-currency wallet, QR payments, Apple/Google Pay tokenization and EEA-wide availability. Closest product analogue to FinanceOne's stated feature set.
  • Wise: Multi-currency digital wallet and cross-border transfer platform. Directly comparable to FinanceOne on multi-currency (50+ currencies), P2P/merchant payments and EEA availability, but at vastly greater scale.
  • Skrill: Digital wallet supporting multi-currency balances, P2P transfers and merchant payments across EEA. Direct functional competitor with overlapping target users.
  • Payoneer: Cross-border multi-currency digital wallet for receiving, holding and converting funds in EUR/USD/GBP. Comparable business model focused on freelancers, SMBs and emerging-market users.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

FinanceOne social profiles

Digital presence

FinanceOne compliance and trust

Trust signal

Compliance1 record

FinanceOne financial estimates

Financial estimate

Revenue estimate

Valuation estimate

FinanceOne leadership team

Management profile

Number of profiles

Profiles1 record

FinanceOne funding detail

Funding detail

Funding overview

Funding rounds

Investors

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

FinanceOne M&A and investment

M&A and investment

M&A

Investments

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

Frequently asked questions about FinanceOne

What does FinanceOne do?

FinanceOne operates a mobile-based digital wallet and Electronic Money Institution platform, available as an iOS and Android app, that lets individual consumers store funds in Albanian Lek (ALL), EUR, USD, and GBP, top up via bank transfers or cards, and make QR code in-store payments, peer-to-peer transfers, currency exchanges, and utility bill payments. The platform is paired with a physical FinanceOne Card and extends to Google Pay and Apple Pay for contactless payments.

Is FinanceOne a public or private company?

FinanceOne is a private company. It is classified as unknown and is currently operating.

When was FinanceOne founded?

FinanceOne was founded in 2023. It employs 11 to 50 people.

Where is FinanceOne based?

FinanceOne is headquartered in Tirana, Albania, in the Europe region.

How does FinanceOne make money?

Two revenue lines are on record. Subscription Plans are the primary driver. The others are transaction Fees.

Who are FinanceOne's main competitors?

Broad incumbents on record are PayPal, Western Union and N26. Emerging players are Remitly, Monese and Paysera. Direct peers are Revolut, Wise, Skrill and Payoneer.

Does FinanceOne have an API?

No public API is recorded for FinanceOne.

What industry is FinanceOne in?

FinanceOne's product category is Digital Wallet / Mobile Payments. Its primary akta.pro industry code is BPAMAFAC, Digital Wallet Platforms (Consumer & Merchant), with a secondary code of FSAMAEAC, QR Code Payments Wallets. Its NAICS code is 522110 and its SIC code is 6099.

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