Fintech infrastructure providers in Finland
10 verified providers headquartered in Finland - across BaaS, card issuing, IBAN, payments, KYC/KYB, crypto/MiCA and cross-border/FX. Each verified at source.
10 verified providers in Finland
Basware (Espoo, Finland; founded 1985) - enterprise accounts-payable automation and e-invoicing at scale, a Peppol access point. NB: taken private by Accel-KKR (US PE) in 2022 - ownership flag despite Finnish roots.
Enable Banking (Finland) - pan-EU open banking AIS/PIS with a self-serve control panel and broad ASPSP coverage. RegTech infrastructure.
Enfuce (Finland) - card-as-a-service and BIN sponsorship across the EEA and UK; Visa & Mastercard Principal Member. Dual EMI (FIN-FSA + UK FCA, via Enfuce License Services). Visa holds a stake.
Epassi (Helsinki, Finland; founded 2007) - Nordic market leader in mobile payments for employee benefits: meals, transport, wellbeing, healthcare and culture paid via the Epassi app; 1.5m+ users and 35,000+ merchant sites across Finland and Sweden. Payment institution rail: Epassi Clearing Oy (FIN-FSA).
Membrane Finance Oy (Helsinki) - issuer of EUROe, the first EU-regulated euro stablecoin (pre-MiCA EMI, transitioned to MiCA). EMI authorised by FIN-FSA (Finland). EUROe site now redirects to Paxos (EUROe redemptions via paxos.com) - Membrane Finance acquired by Paxos (US).
🏦 Local IBANs: FI
Narvi (Finland) - business accounts and IBAN-as-a-service: dedicated IBANs, SEPA Instant, multi-user accounts and a developer API. Finnish EMI, passported across 29 EEA countries.
Nomentia (Helsinki, Finland) - modular treasury and cash management for mid-market European firms with 2,500+ bank connections (cash forecasting, payments, bank connectivity). Finnish SaaS (unlicensed software).
Tietoevry Banking (Finland) - Nordic core banking and card/payment-processing software. Parent Tietoevry divested its Tech Services unit (not Banking) to Agilitas PE, Sep 2025.
UpCloud (Helsinki, Finland; founded 2011) - Finnish cloud provider with European data centres; EU-native alternative for developer-centric infrastructure.
Paxos Issuance Europe Oy - EU arm of US issuer Paxos. Issues USDG (Global Dollar Network). EMI authorised by FIN-FSA (Finland). US parent = CLOUD Act exposure.