Fintech infrastructure providers in Estonia
8 verified providers headquartered in Estonia - across BaaS, card issuing, IBAN, payments, KYC/KYB, crypto/MiCA and cross-border/FX. Each verified at source.
8 verified providers in Estonia
Advapay (Estonia) - Macrobank core banking software for EMIs and PIs; front-to-back, CENTROlink/SEPA-ready, available as SaaS or perpetual licence, plus fintech-licensing consulting. Unlicensed technology (BYOL).
🏦 Local IBANs: EE GB
LHV Pank (Tallinn; 4th-largest EE bank) + LHV Bank (UK full banking licence 2023). The fintech-preferred BaaS bank: virtual IBANs, SEPA Instant + Faster Payments, FX; 200+ fintech clients (Wise, Lightyear...).
Montonio (Tallinn, Estonia; founded 2018) - Baltic checkout platform: pay-by-bank links to every major bank in Estonia, Latvia, Lithuania and Poland, plus cards, Apple/Google Pay and multi-lender BNPL comparison in one checkout; USD 12m Series A (2022). Licensed via Montonio Finance UAB (Bank of Lithuania PI).
Salv (Tallinn, Estonia) - AML / financial-crime platform with AML Bridge (cross-bank intelligence sharing); founded by ex-Wise/Skype AML leads and led Estonia's countrywide AML initiative. Estonian RegTech.
Tuum (Tallinn, Estonia) - cloud-native modular core banking software (BYOL). Unlicensed technology.
Velmie (Estonia) - core banking software/platform supporting fiat and crypto rails (BYOL). Unlicensed technology.
Veriff (Estonia) - identity verification software (12,000+ document types, 230+ countries). Estonian RegTech software vendor.
🏦 Local IBANs: EE
Wallester (Estonia) - card issuing and BIN sponsorship; Visa Principal Member (since 2018), Mastercard via partner. Estonian FSA payment institution; UK entity holds an FCA EMI. Wallester Business EUR IBAN accounts (issued via LHV Bank, EE).