What FINHUB TECH UK LTD does

FINHUB TECH UK LTD operates a modular financial technology super platform under the FinHub brand, a rebrand of the FinTech division of parent SEPA Cyber Tech Group Holding Ltd that launched in October 2024. The platform exposes payments, core banking, compliance (KYC/KYB, PEPs/Sanctions, AML, fraud screening), card issuing, acquiring, fiat-crypto exchanges, digital wallets, loyalty/eVouchers, communication with 2FA, FX liquidity management, and infrastructure services through a single API and SDK, with clients configuring modules in a no-code self-service environment (FinConfig) and deploying into a live monitored environment (FinLive). The platform supports multiple payment rails (SWIFT, SEPA, ACH, EFT, Faster Payments, CBDP) with PSD1/PSD2 and SEPA Direct/B2B compliance, and relies on partners including Visa, Mastercard, AWS, Clear Junction, The Bank of London, CAB Payments, Cash Flows, Paynetics, and EMI sponsor UAB Sonect Europe for cards and electronic money.

The company serves four horizontal customer segments: Technology & BaaS for licensed financial entities, Inter-Banking License & BaaS for regulated entities using third-party licences, Embedded Finance for unregulated entities offering financial products via third-party licences, and Business Banking (branded FinPay) for merchants opening accounts and accepting payments across card, wallet and crypto channels. The go-to-market combines a product-led self-serve motion (free sandbox sign-up, 10-second account configuration, pay-as-you-go module activation) with enterprise sales for banks and large fintechs.

FinHub operates through six wholly-owned regional entities (UK headquarters in Colchester; Bulgaria for Eastern Europe; Germany for DACH; USA LLC for the Americas; Turkey for MEA; Singapore for APAC), claims offices and data centres worldwide covering the EU, UK, USA, Canada, LATAM, APAC, MEA and Africa, and cites PCI DSS Level 1, GDPR, and CCPA compliance. Revenue is generated through subscription/API module access fees plus transaction fees on payments, card issuance, gateway processing, and FX/crypto exchange; pricing is quote-based and not publicly disclosed. No revenue, headcount, or external funding rounds are reported in the available data.

Name

FINHUB TECH UK LTD

Legal name

FINHUB TECH UK LTD

Website

https://finhub.cloud

Company type

Private

Founded year

2024

Operating status

Operating

Short description

FINHUB TECH UK LTD operates the FinHub modular financial super platform, delivering BaaS/SaaS for payments, core banking, compliance, issuing, and acquiring via a single API SDK to banks, fintechs, non-financial institutions, and merchants across global markets.

Ownership category

akta.pro rank

Product category

Banking-as-a-Service Platform

NAICS

Credit Card Issuing (52221)

SIC

Finance Services (6199), Functions Related To Depository Banking, Nec (6099), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)

akta.pro secondary industries

Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE), Cross-Border FX, Multi-Currency & Treasury for Payments (FSAGABAK), Tokenization, Network Vaults & Credential Management (FSAGABAF), Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN), Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails) (FSAGABAJ)

Keywords

• Banking-as-a-Service platform
• Embedded finance APIs
• Core banking software
• Payment processing solutions
• Card issuing platform

Headquarters

HQ city

Colchester

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. API/Module Access Fees: Subscription-based access to financial modules including KYC/KYB, Payments, Exchanges, Core Acquiring CRM, SWITCH, ETMS, IPG, Core Issuing CMS, Digital Wallets, Reporting, Communication, Secure Hosting, Core Banking, and Banking services. Clients pay to activate and use specific modules.
2. FinPay Card Issuing: Fees for issuing physical and virtual payroll cards including issuance fees, renewal fees, and replacement card fees. Cards issued through EMI partner UAB Sonect Europe.
3. Business Account Services: Fees for opening business accounts, payment processing, wire transfers, bulk payments, and currency exchange operations through FinPAY solution.
4. Gateway Usage Fees: Fees for payment gateway integration and processing transactions through various payment channels including card, wallet, and crypto payments.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

FinHub provides a modular Banking-as-a-Service (BaaS) and SaaS financial super platform delivered through a single API and SDK. It bundles 600+ modules covering payments (SEPA, SWIFT, ACH, EFT, CBDP, Faster Payments), core banking, regulatory compliance (KYC/KYB, AML, sanctions, fraud), card issuing and acquiring, fiat-to-crypto exchanges, digital wallets, and business banking via FinPay. Customers can self-configure products, test APIs in a sandbox, and go live without upfront personal data or payment.

Product overview

FinHub is a financial super platform operating as a BaaS/SaaS provider under SEPA Cyber Tech Group Holding Ltd. The platform offers a modular architecture with four customer segments: Technology & BaaS, Intra-Banking License & BaaS, Embedded Finance, and Business Banking. The product portfolio includes core platform modules for payments (supporting SWIFT, SEPA, ACH, EFT, CBDP, Faster Payments), core banking, compliance (KYC/KYB, PEPs/Sanctions, fraud screening), card issuing, acquiring (SWITCH, ETMS, IPG), and crypto/fiat exchanges. Business banking is served through FinPay. The platform differentiates through a closed marketplace of 600+ modules accessible via a single API SDK, with self-service configuration tools (FinConfig) and live deployment environment (FinLive). AI-powered fraud detection and FX liquidity management are key capabilities, alongside developer tools including CoreX front-end customization and Master Admin Panel for operations.

Differentiator

Problem solved

Functional benefit

Brands

• FinPay: Business banking solution for opening business accounts, accepting payments, making transactions, issuing cards, and trading with crypto
• FinConfig
• FinLive
• CoreX

Products and services

• FinHub Platform A modular BaaS/SaaS financial super platform offering payments, core banking, compliance, issuing, acquiring, and other financial services, deployed via a single API SDK with access to a closed marketplace of 600+ third-party modules. Target buyers: banks, FinTechs, payment facilitators, and non-financial institutions.
• RegTech Compliance and regulatory module covering KYC/KYB identity checks, PEPs and sanctions screening across global watchlists (OFAC, HMT, EU, UN), fraud screening for AML compliance, and regulatory reporting. For banks, FinTechs, and regulated entities needing compliance infrastructure.
• Issuing Card issuance module enabling white-label EMV credit and debit cards, including virtual and physical cards for payroll, travel management, and corporate use. For issuers, FinTechs, and corporates needing branded card programmes.
• Exchanges Fiat-to-crypto exchange module allowing conversion between digital assets and fiat currencies, with FX liquidity management for profitable execution. For clients needing digital asset on/off-ramps and FX automation.
• Core Banking Multi-asset digital asset management system compatible with blockchain, supporting legacy and multicurrency Nostro Vostro accounts. For banks, FinTechs, and PSPs requiring core ledger and account infrastructure.
• Acquiring Payment acquisition module covering SWITCH (online/offline payment acceptance), ETMS (ATM, POS, mPOS, SOFTPOS), and IPG (internet payment gateway). For merchants, PSPs, and banks needing omnichannel payment acceptance.
• Banking Embedded finance services providing banking capabilities including card issuing sponsorships and Payment Facilitator Models. For clients seeking embedded banking under FinHub's license or their own.
• Payments Payment execution module supporting SEPA, SWIFT, ACH, EFT, CBDP, and Faster Payments networks. For banks, FinTechs, and corporates moving money across global rails.
• FinPay Business banking solution offering business account opening, payment acceptance across card/wallet/crypto channels, wire transfers, bulk payments, currency exchange, and corporate/payroll card management. For merchants and SMBs needing unified business banking.
• Communication Multi-channel communication module with 2FA authentication capabilities for customer engagement and secure transaction verification. For clients needing integrated comms and authentication on the platform.
• Node Hosting Infrastructure services for hosting Node.js applications, including cloud hosting, dedicated servers, VPS, Docker environment setup, CI/CD integration, and scalability features. For clients running node-based workloads on FinHub's PCI DSS Level 1 certified cloud.

Quantifiable outcome

• Platform uptime of 99.99%
• +3 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature8 records

Partnerships

Twelve partnerships are on record, tiered core and minor.

• The Bank of LondoncoreTechnology or Integration · 7 November 2024Featured partner on FinHub blog showcasing financial services ecosystem integration. The Bank of London is positioned as part of FinHub's network of reputable partner organisations.
• CAB Payments EuropecoreTechnology or IntegrationPartner organisation within FinHub's financial services ecosystem, featured as part of the company's partnership network for optimising and automating business operations.
• Cash FlowscoreTechnology or IntegrationPayment services partner enabling FinHub clients to optimise, accelerate and automate everyday financial tasks through the platform.
• PayneticscoreTechnology or IntegrationPayment technology partner integrated with FinHub's platform for card issuing, payment processing, and digital banking services.
• Secure TradingcoreTechnology or IntegrationSecure trading and payment processing partner offering secure transaction capabilities within the FinHub platform.
• Apco PayminorChannel Partner/ Reseller/ DistributorPayment services reseller partner distributing FinHub's financial solutions to their customer base.
• Clear JunctioncoreTechnology or IntegrationBanking and payments infrastructure partner providing settlement and treasury services integrated with FinHub's platform.
• MastercardcoreTechnology or IntegrationCard network partner enabling FinHub's card issuing services including debit cards, credit cards, and prepaid cards through the FinPay solution. Used as fallback currency conversion rate provider.
• VisacoreTechnology or IntegrationCard network partner enabling card payment acceptance and issuing capabilities on the FinHub platform. Used as fallback currency conversion rate provider.
• UAB Sonect EuropecoreOEM/ Whitelabel/ Licensing PartnerEMI (Electronic Money Institution) partner authorised by Bank of Lithuania (EMI license number 47) issuing FinPay Cards and providing electronic money account services. Card issuance fee and fund management handled through this partnership.
• Amazon Web ServicescoreTechnology or IntegrationCloud infrastructure partner providing scalable hosting services for FinHub's cloud-based financial platform. AWS enables cloud hosting, auto-scaling, and infrastructure management.
• KubernetescoreTechnology or IntegrationContainer orchestration technology used by FinHub for deploying, scaling, and managing containerised applications across cloud infrastructure.

Scale indicators7 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Modulr: UK-based BaaS platform providing payment accounts, payment processing, and embedded finance APIs. Directly comparable customer segment and UK/European BaaS proposition.
• Adyen: Unified payments platform providing acquiring, processing, and issuing across global networks. Comparable to FinHub in multi-network support (SWIFT, SEPA, ACH), enterprise banking focus, and modular platform design.
• Treezor: European BaaS provider licensed as an EMI in France, offering core banking, payments, and card issuing APIs. Comparable regulatory model and EU/UK market overlap with FinHub.
• Currencycloud: Cross-border payments and FX infrastructure platform offering APIs for multi-currency treasury and remittance. Comparable to FinHub's FX liquidity management and cross-border payments modules.
• Rapyd: Global fintech-as-a-service platform providing payments, issuing, and banking infrastructure across 100+ countries. Closely comparable in cross-border scope, modular API design, and embedded finance focus.
• Stripe: Global payments infrastructure platform offering APIs for payments, issuing, and financial workflows. Directly comparable to FinHub in API-first architecture, modular product approach, and developer-led GTM.
• Solaris SE: European Banking-as-a-Service platform offering core banking, payments, lending, and embedded finance APIs. Highly comparable to FinHub's BaaS proposition, particularly across EU/UK markets.
• Marqeta: Card-issuing platform providing APIs for physical and virtual card programmes. Directly comparable to FinHub's Core Issuing CMS module and white-label card capabilities.

Emerging players

• Plaid: Financial data connectivity and account aggregation platform. Overlaps with FinHub's account aggregation and open banking-adjacent connectivity capabilities within a broader fintech stack.
• TrueLayer: Open banking platform providing account-to-account payments and financial data APIs. Adjacent overlap with FinHub's payments and account connectivity modules in European markets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/finhubcloud/?_rdr
• Instagraminstagram.com/finhubcloud
• LinkedInlinkedin.com/company/finhubcloud

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries5 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 FINHUB TECH UK LTD