PIU
PIU is a Malta-domiciled fintech software company that builds the B.One omnichannel digital banking platform and a suite of compliance, onboarding, and risk modules for banks, financial institutions, and fintechs, primarily in Ukraine and Europe.
- Company typePrivate
- Founded2019
- HeadquartersValletta, Malta
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What PIU does
PIU Ltd. is a Malta-domiciled fintech software company that builds a platform-plus-modules ecosystem centered on the B.One omnichannel digital banking platform, serving primarily banks, financial institutions, and fintech companies — with a strong concentration in the Ukrainian market where it has operated since 2019. The portfolio spans core banking (FinBalanceHub), open banking (B.One OBI with SandBox and DevPortal), digital onboarding and identity (B.One VideoID, OnlineID, MobileID, BankID Connector, DI Connector), compliance and risk (PureTrack AML/KYC, PIU.Finscan for sanctions/PEP screening, PureTrack Anti-fraud, Customer Rating Platform for IFRS 9), and specialized verticals (Family Banking, Agro Banking). The architecture is microservices-based using PostgreSQL, .NET, Kafka, Redis, Elasticsearch, Docker and REST APIs, with demonstrated throughput of ~1.5 million transactions per hour and a 2 billion-transaction cumulative operating envelope at reference client Oschadbank.
PIU monetizes through a mix of one-time software licenses (e.g., $20,000 for B.One VideoID), annual support and maintenance fees (e.g., $7,000/year), SaaS/cloud subscriptions, usage-based transaction processing pricing, and professional services for system integration and custom development. Go-to-market is direct enterprise field sales with a dedicated integration and support team per client. The company also operates two consumer-facing products outside its core fintech franchise: Platymo, a QR-code restaurant ordering and payments platform integrating Square, Mastercard, Visa, SEPA, Lemonway and SumUp; and Doctonica, a free medical appointment-booking platform for Malta with native iOS and Android apps.
PIU firmographics
Firmographics- Name
- PIU
- Legal name
- PIU Ltd.
- Website
- https://piu.company
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- PIU is a Malta-domiciled fintech software company that builds the B.One omnichannel digital banking platform and a suite of compliance, onboarding, and risk modules for banks, financial institutions, and fintechs, primarily in Ukraine and Europe.
- Ownership category
- akta.pro rank
PIU industry classification
Industry- Product category
- Financial Software / Fintech Platform
- akta.pro primary industry
- Compliance & Regulatory Operations (AML/KYC, Reporting, Audit) (FSAGAAAL)
- akta.pro secondary industries
- Payment Initiation & Account-to-Account (A2A) Payments (PIS, RTP initiation) (FSAGACAI), Fintech & Payments Content & Compliance Screening (KYC/AML-related content, fraud signals) (BPAAALAH)
Keywords
Where PIU is headquartered
LocationHeadquarters
- HQ city
- Valletta
- HQ country
- Malta
- HQ region
- Europe
Offices1 record
Markets served
PIU business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure, Others
Revenue model
- Enterprise Software Licensing: One-time license fees for enterprise software solutions such as B.One VideoID ($20,000 one-time license). Full purchase of software with license and configuration/start-up work.
- Annual Support and Maintenance: Annual support fees for software including warranty and ongoing maintenance (e.g., B.One VideoID: $7,000/year). Provision of escort services regulated by separate contract.
- SaaS/Cloud Deployment: Software as a service model with payment for modification, system launch, maintenance and support costs. Deployment in Cloud and Kubernetes environments.
- Usage-based Transaction Processing: Pay-per-use hybrid model with setup/startup costs and payment based on number of verified transactions for reporting period.
- Professional Services: System integration, software development, UX design, and business analysis services. Each client gets dedicated integration and support team.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Annual | B.One VideoID - One-time license with annual support |
| Other | Multi-year contract | PIU.Finscan - Contact for pricing |
| Hybrid | Pay-as-you-go | PureTrack Anti-fraud - Multiple deployment options |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels4 records
PIU product offering
Product offeringCore offering
PIU develops and sells proprietary fintech software products for financial institutions, banks, and fintech companies, anchored by the B.One omnichannel online banking platform (Business and Personal) and complemented by FinBalanceHub core banking, PureTrack AML/KYC, PIU.Finscan transaction screening, PureTrack Anti-fraud, Customer Rating Platform, Open Banking APIs, and identity/connector modules. The company also offers two consumer-facing products — Platymo (QR restaurant ordering/payments) and Doctonica (medical appointment booking in Malta) — while its primary revenue driver remains enterprise software licensing, subscription support, and professional services to banks and fintechs.
Product overview
PIU is a fintech product company operating a platform-plus-modules architecture centered on the B.One omnichannel banking platform, which consists of B.One Business for corporate clients and B.One Personal for individuals. The portfolio includes specialized modules: B.One OBI (Open Banking Interface), B.One VideoID (remote video identification), OnlineID (business digital onboarding), MobileID (Ukrainian mobile identification), OpenAPI (integration services), BankID Connector (NBU BankID integration), and DI Connector (DIIA integration). Core compliance and transaction processing products include FinBalanceHub (core banking system), PureTrack AML/KYC (anti-money laundering), PIU.Finscan (transaction screening), and PureTrack Anti-fraud (card fraud detection). Additional verticals include Customer Rating Platform (IFRS 9 credit assessment), Family Banking, and Agro Banking. Consumer-facing products include Platymo (restaurant QR ordering/payments) and Doctonica (medical appointment booking in Malta).
Differentiator
Problem solved
Functional benefit
Brands
- Platymo: QR Code Menu, Ordering & Instant Payments for restaurants — guests scan, browse the menu, order and pay using their phone camera with no app downloads.
- Doctonica
- PureTrack
- PIU.Finscan
- FinBalanceHub
- OnlineID
- B.One OBI
- B.One VideoID
- B.One Kiosk
- Open API
- Mobile ID
- One Banking platform
- Agro Banking
- BankID Connector
- DI Connector
- Family Banking
- Customer Rating platform
- PureTrack Anti-fraud
Products and services
- B.One Online Banking Platform Omnichannel online banking platform for servicing individuals and legal entities, ready for quick integration into any banking system. Provides internet and mobile banking, account management, payments, currency transactions, deposits, credit management, and corporate cards.
- FinBalanceHub Core banking system platform for financial institutions providing internet and mobile banking for individuals and businesses, including account management, transfers, external payments (SEPA/SEPA Instant/SWIFT), and regulatory reporting.
- PureTrack AML/KYC Automated AML/KYC compliance system that analyzes operations and customers against risk criteria and suspicion indicators, with dual-control role models (analyst, controller, administrator) and full audit logging of changes.
- PIU.Finscan High-loaded real-time transaction screening monitor for financial institutions that screens transactions against sanctions, PEP, and customs lists with parallel processing and automatic imports from World Check.
- PureTrack Anti-fraud Modification for online verification of card transactions in the electronic acquiring network, providing automated monitoring, stop lists, flexible behavioral rules and post-operation analysis with proven operation on 2 billion transactions.
- B.One VideoID Video identification service for remote customer identification using video communication, file sharing, SMS OTP confirmation, and electronic signature over video archives, with a four-stage process: Application, Video identification, Session result, Approve.
- B.One OBI (Open Banking Interface) Open Banking Interface system providing solutions for creating new financial services, with API implementation for Third Party Providers including granting/revoking consent, retrieving account balance and transaction history, and initiating IBAN-to-IBAN payments.
- Customer Rating Platform Software for determining rating of corporate clients (CB and IASB) to assess creditworthiness and calculate probability of default in accordance with IFRS 9 requirements.
- Platymo QR code menu, ordering and instant payments solution for restaurants where guests scan, browse the menu, order and pay in about two minutes with no app downloads and zero commission on payments.
- Doctonica Free booking platform for medical appointments in Malta where patients can browse doctors and clinics across various fields, view live availability, and book appointments instantly with no fees.
Quantifiable outcome
- Up to 32% less repetitive workload for restaurant staff using Platymo
- +3 more outcomes
Companies that use PIU
Customer profileNamed customers11 records
Segments5 records
Ideal customer profiles3 records
PIU technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration12 records
AI capability8 records
Feature10 records
PIU partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- World CheckcoreWorld Check is used for PIU.Finscan transaction screening. The system supports automatic imports of full, delta, and deleted lists from World Check for sanctions and PEP screening.
- NBU BankIDcoreBankID Connector integrates with National Bank of Ukraine BankID system for digital user registration and authentication. Enables customer authorization and data envelope formation with EDS overlay.
- DIIAcoreDI Connector integrates with Ukrainian DIIA identification system for receiving digital documents including ID card, foreign passport, RNOKPP, and IDP information.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
PIU competitors and assessment
Company assessmentMarket position
Strengths4 records
Competitive moat6 records
Key risks6 records
Key highlights6 records
Customer concentration
PIU social profiles
Digital presencePIU financial estimates
Financial estimateRevenue estimate
Valuation estimate
PIU leadership team
Management profileNumber of profiles
PIU funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
PIU 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 PIU
What does PIU do?
PIU develops and sells proprietary fintech software products for financial institutions, banks, and fintech companies, anchored by the B.One omnichannel online banking platform (Business and Personal) and complemented by FinBalanceHub core banking, PureTrack AML/KYC, PIU.Finscan transaction screening, PureTrack Anti-fraud, Customer Rating Platform, Open Banking APIs, and identity/connector modules. The company also offers two consumer-facing products — Platymo (QR restaurant ordering/payments) and Doctonica (medical appointment booking in Malta) — while its primary revenue driver remains enterprise software licensing, subscription support, and professional services to banks and fintechs.
Is PIU a public or private company?
PIU is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was PIU founded?
PIU was founded in 2019. It employs 11 to 50 people.
Where is PIU based?
PIU is headquartered in Valletta, Malta, in the Europe region.
How does PIU make money?
Five revenue lines are on record. Enterprise Software Licensing is the primary driver. The others are annual Support and Maintenance, saaS/Cloud Deployment, usage-based Transaction Processing and professional Services.
Does PIU have an API?
Yes. OpenAPI suite enabling Bank's customers to integrate their own accounting systems with the B.One platform. B.One OBI provides API implementation for TPP (Third Party Providers) including granting/revoking consent, retrieving account balance and transaction history, initiating IBAN to IBAN payments. Developer Portal module contains API method documentation and sandbox credentials for accessing the SandBox. FinBalanceHub provides API services for integrating CRM/ERP and other systems.
What industry is PIU in?
PIU's product category is Financial Software / Fintech Platform. Its primary akta.pro industry code is FSAGAAAL, Compliance & Regulatory Operations (AML/KYC, Reporting, Audit), with a secondary code of FSAGACAI, Payment Initiation & Account-to-Account (A2A) Payments (PIS, RTP initiation).