Valuno
Valuno is a Swedish fintech building crypto payments, fiat settlement, and Banking-as-a-Service infrastructure for merchants, corporates, and licensed partners across EEA markets, via the QB App consumer wallet and enterprise products including Valuno Pay, Corporate Wallet, and Atlas.
- Company typePublic
- Founded2016
- HeadquartersStockholm, Sweden
- Headcount11–50
- GTM typeB2B and B2C
- OfferingSoftware
What Valuno does
Valuno Group AB (publ) is a Swedish fintech that builds infrastructure for crypto payments, fiat settlement, and Banking-as-a-Service, serving individual consumers, e-merchants, corporate treasuries, and licensed financial partners across EEA markets. Founded in 2016 as Quickbit and publicly listed on NGM Nordic SME in July 2019 (ticker: VALUNO), the company operates regulated subsidiaries in Sweden, Norway, Finland, Poland, and Lithuania under Finansinspektionen oversight, with alignment to MiCA, PSD II, and GDPR frameworks.
The company's product portfolio is built on an API-first architecture combining crypto and fiat rails. For consumers, the QB App (iOS and Android) provides a hosted cryptocurrency wallet supporting buy, sell, exchange, send, and receive functions. For businesses, Valuno Pay operates as a crypto payment gateway with fiat settlement; Corporate Wallet delivers stablecoin-powered instant global payouts with reconciliation features; the Valuno Banking Platform enables white-label embedded finance for licensed partners; the On-ramp module serves users without fiat infrastructure; and Atlas, launched in March 2026, combines stablecoin conversion with regulated settlement for cross-border corporate payments. Identity verification is integrated through Signicat (BankID/eID) and OnFido. The company reports 500,000 monthly transactions and over €2 billion in processed volume.
Valuno monetizes through transaction-based fees. QB App users pay zero fees on transactions up to €500 volume, then 1.49% per transaction (capped at €45), plus roughly 1% spread on exchanges and up to 2% on crypto swaps; corporate, merchant, and BaaS solutions are quote-based. As of mid-2026, the company faces significant financial distress: trading was halted in July 2026 following revelations of suspected accounting irregularities by Affärsvärlden, major shareholders Citigiro and Mandato exited their positions in June 2026, the company carries debts with Kronofogden (Swedish enforcement authority), and an extraordinary general meeting was canceled in August 2026. FY2024/25 net turnover totaled approximately 371.9 MSEK, while FY2025/26 quarterly figures (7.3, 28.2, 16.5 MSEK) indicate a sharp deceleration.
Valuno firmographics
Firmographics- Name
- Valuno
- Legal name
- Valuno Group AB (publ)
- Website
- https://valuno.com
- Company type
- Public
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Valuno is a Swedish fintech building crypto payments, fiat settlement, and Banking-as-a-Service infrastructure for merchants, corporates, and licensed partners across EEA markets, via the QB App consumer wallet and enterprise products including Valuno Pay, Corporate Wallet, and Atlas.
- Ownership category
- akta.pro rank
Valuno industry classification
Industry- Product category
- Digital Payments Infrastructure
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Security & Commodity Brokers, Dealers, Exchanges & Services (6200)
- akta.pro primary industry
- Crypto Payment Gateways & Checkout APIs (FSADAIAA)
- akta.pro secondary industries
- Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL), Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG), On/Off-Ramp Providers (Fiat↔Crypto) & Cash-In/Cash-Out Networks (FSADAIAE)
Keywords
Where Valuno is headquartered
LocationHeadquarters
- HQ city
- Stockholm
- HQ country
- Sweden
- HQ region
- Europe
Offices1 record
Markets served
Valuno business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Crypto Transaction Fees: Valuno charges transaction fees on crypto buy/sell operations. Zero-fee for transactions up to €500 volume, then 1.49% variable fee per transaction with maximum €45 per transaction. Spread of approximately 1% added to exchange rates for cryptocurrency purchases and sales.
- Crypto Spread/Margin: QB establishes exchange rates by adding a margin (spread) to the average price from partnered exchanges. Spread is about 1% for purchases and sales, up to 2% for cryptocurrency exchanges/swaps.
- Network Transaction Fees: For external crypto sends, QB charges network transaction fees (miner fees) based on their estimate of what they anticipate paying. QB does not charge a separate QB Fee for external sends.
- ETH Deposit Fee: Deposit fee for Ethereum due to technical structure requiring individual address creation for each user and routing through main address.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free tier for transactions under €500 volume |
| Usage-based | Pay-as-you-go | Standard tier for volume exceeding €500 |
| Freemium | Pay-as-you-go | Internal transfers between QB users |
| Usage-based | Pay-as-you-go | External crypto sends |
| Transaction based/ take rate | Pay-as-you-go | Crypto exchanges/swaps |
| Freemium | Pay-as-you-go | QB Pay merchant service |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels4 records
Valuno product offering
Product offeringCore offering
Valuno provides crypto payment, wallet, and banking-as-a-service infrastructure. Its core offerings include Valuno Pay (a crypto payment gateway that lets merchants accept digital assets and settle in fiat), a Corporate Wallet for stablecoin-powered global payouts, an API-first Banking-as-a-Service platform for white-label embedded finance, and the QB App consumer crypto wallet. The company combines regulated fiat settlement rails with stablecoin orchestration for businesses and individuals.
Product overview
Valuno is a Swedish fintech company building enterprise-grade infrastructure for the digital economy, offering a portfolio of crypto and blockchain-based financial solutions. The core product offering consists of Valuno Pay (crypto payment gateway) and Corporate Wallet (stablecoin-powered business wallet), supported by the Valuno Banking Platform (Banking-as-a-Service infrastructure). Additional modules include On-ramp (crypto purchasing solution) and Atlas (corporate payment platform with stablecoin orchestration). For consumers, the QB App provides a hosted cryptocurrency wallet. The company processes approximately 500,000 monthly transactions with over €2 billion in processed volume.
Differentiator
Problem solved
Functional benefit
Brands
- QB App: Hosted cryptocurrency wallet service for individuals, allowing purchase, exchange, send/receive of cryptocurrencies, and fiat settlement. Free to download with zero-fee buy/sell transactions up to €500 volume.
- QB Pay
- Valuno Banking Platform
- Corporate Wallet
- Atlas
- On-ramp
Products and services
- Valuno Pay Crypto payment gateway that allows merchants to accept cryptocurrency payments and receive settlement in fiat currency, with instant settlement, low processing fees, and elimination of chargebacks.
- Corporate Wallet Stablecoin-powered corporate wallet enabling instant global payouts with zero banking delays, including reconciliation features for accounting, designed for businesses that need to move funds quickly across borders.
- Valuno Banking Platform (Banking-as-a-Service) API-first Banking-as-a-Service platform providing full technical infrastructure combining fiat and digital asset rails, designed for licensed partners and white-label delivery to enable embedded finance, account management, payments, and card services.
- QB App Hosted cryptocurrency wallet mobile application for consumers that supports buying, selling, exchanging, sending, and receiving cryptocurrencies with fiat settlement capabilities.
- Atlas Product platform for corporate payments combining stablecoin conversion and orchestration with regulated settlement services, enabling secure, low-cost stablecoin transactions for international trade.
Quantifiable outcome
- 500,000 monthly transactions processed
- +2 more outcomes
Companies that use Valuno
Customer profileNamed customers1 record
Segments4 records
Ideal customer profiles4 records
Valuno technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature5 records
Valuno partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- PaysecurecoreValuno Group AB (publ) signed an agreement with London-based fintech Paysecure to provide its Atlas service. Atlas combines stablecoin conversion and orchestration with regulated settlement services. The partnership enables Paysecure and its global network of merchants to access secure, low-cost stablecoin transactions for international trade.
Scale indicators5 records
Recent moves7 records
Expansion highlights5 records
Valuno competitors and assessment
Company assessmentDirect peers
- Alchemy Pay: Hybrid crypto-fiat payment gateway with global on-ramp and merchant acquiring. Closely comparable to Valuno in combining crypto acceptance with fiat settlement rails and an API-first model.
- CoinGate: Crypto payment processor serving merchants and businesses with checkout APIs, fiat settlement, and invoicing. Closely comparable to Valuno Pay in product surface and target merchant segment.
- MoonPay: Crypto on-ramp and off-ramp provider with fiat-to-crypto checkout APIs and a consumer wallet. Comparable to Valuno's On-ramp and QB App, with broader scale and brand.
- BitPay: One of the largest crypto payment gateways, enabling merchants to accept cryptocurrency and settle in fiat. Direct competitor to Valuno Pay with similar instant-settlement and chargeback-elimination value propositions.
- NOWPayments: Crypto payment gateway with fiat conversion, mass payouts, and API-first merchant tools. Directly comparable to Valuno Pay and Corporate Wallet features.
- BVNK: Enterprise stablecoin payment platform offering orchestration and settlement for businesses. Direct analogue to Valuno's Atlas and Corporate Wallet for B2B cross-border stablecoin payments.
Broad incumbents
- Coinbase Commerce: Merchant crypto payments product from Coinbase with fiat settlement. Comparable to Valuno Pay but bundled into a much larger exchange and wallet ecosystem.
- Stripe: Global payments platform that has expanded into stablecoin and crypto rails. Comparable to Valuno's BaaS and Banking Platform ambition, though broader in scope and far more capitalized.
- Circle: USDC issuer and regulated stablecoin infrastructure provider with payments and treasury APIs. Comparable to Atlas/Corporate Wallet stablecoin orchestration, but at significantly greater scale and institutional reach.
Regional players
- Safello: Swedish crypto broker and on-ramp platform offering buy/sell of digital assets to consumers. Direct Nordic regional peer to Valuno's QB App for the Swedish and European consumer market.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights6 records
Customer concentration
Valuno social profiles
Digital presenceValuno compliance and trust
Trust signalCompliance3 records
Valuno financial estimates
Financial estimateRevenue estimate
Valuation estimate
Valuno leadership team
Management profileNumber of profiles
Profiles4 records
Valuno subsidiaries and ownership
Company hierarchySubsidiaries5 records
Valuno funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Valuno 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 Valuno
What does Valuno do?
Valuno provides crypto payment, wallet, and banking-as-a-service infrastructure. Its core offerings include Valuno Pay (a crypto payment gateway that lets merchants accept digital assets and settle in fiat), a Corporate Wallet for stablecoin-powered global payouts, an API-first Banking-as-a-Service platform for white-label embedded finance, and the QB App consumer crypto wallet. The company combines regulated fiat settlement rails with stablecoin orchestration for businesses and individuals.
Is Valuno a public or private company?
Valuno is a public company. It is classified as public and is currently operating.
When was Valuno founded?
Valuno was founded in 2016. It employs 11 to 50 people.
Where is Valuno based?
Valuno is headquartered in Stockholm, Sweden, in the Europe region.
How does Valuno make money?
Four revenue lines are on record. Crypto Transaction Fees are the primary driver. The others are crypto Spread/Margin, network Transaction Fees and ETH Deposit Fee.
Who are Valuno's main competitors?
Direct peers on record are Alchemy Pay, CoinGate, MoonPay, BitPay, NOWPayments and BVNK. Broad incumbents are Coinbase Commerce, Stripe and Circle. Safello is listed as a regional player.
Does Valuno have an API?
No public API is recorded for Valuno.
What industry is Valuno in?
Valuno's product category is Digital Payments Infrastructure. Its primary akta.pro industry code is FSADAIAA, Crypto Payment Gateways & Checkout APIs, with a secondary code of BPAMAFAL, Crypto Payments & Stablecoin Settlement Platforms. Its NAICS code is 522320 and its SIC code is 6200.