https://fintechnologica.com/ Insights and radar from Fintechnologica - the sovereignty-first directory of European fintech infrastructure (BaaS, cards, IBANs, MiCA crypto, KYC). Zero pay-to-rank. en Sun, 26 Jul 2026 00:00:00 GMT https://fintechnologica.com/guides/iban-as-a-service-cost https://fintechnologica.com/guides/iban-as-a-service-cost Mon, 20 Jul 2026 00:00:00 GMT What an IBAN-as-a-service quote is made of: setup and platform fees, per-account pricing by model (virtual, dedicated, named virtual), per-payment fees by rail (SCT, SCT Inst, SDD, SWIFT), FX and safeguarding - and why direct-debit access is priced on risk. https://fintechnologica.com/guides/emi-license-vs-byol https://fintechnologica.com/guides/emi-license-vs-byol Mon, 20 Jul 2026 00:00:00 GMT Operate under a provider's licence umbrella or get your own EMI/PI authorisation? The real trade: unit economics vs control, statutory capital (EUR 350,000 for an EMI under EMD2), authorisation timelines, and the migration path from umbrella to BYOL. https://fintechnologica.com/guides/how-to-get-a-bin-sponsor https://fintechnologica.com/guides/how-to-get-a-bin-sponsor Mon, 20 Jul 2026 00:00:00 GMT From defining the card product to signing the agreement: seven steps to a European BIN sponsor - what sponsors actually assess, the pack to prepare, how to run a parallel RFP and the contract lines that matter. https://fintechnologica.com/guides/how-to-launch-a-card-program-in-europe https://fintechnologica.com/guides/how-to-launch-a-card-program-in-europe Mon, 20 Jul 2026 00:00:00 GMT Scheme, issuing model, licence, stack, accounts, compliance, contract: the seven layers of a European card programme - with the sovereignty questions (data residency, scheme dependency, iOS NFC) built in from day one. https://fintechnologica.com/guides/how-to-choose-a-baas-provider https://fintechnologica.com/guides/how-to-choose-a-baas-provider Mon, 20 Jul 2026 00:00:00 GMT Write the brief, decide bundled vs composed, screen on sovereignty facts, verify the licence in the official register, compare pricing structurally, check the dependency graph, pilot with an exit plan - a method built on verified data, not vendor decks. https://fintechnologica.com/guides/how-much-does-a-bin-sponsor-cost https://fintechnologica.com/guides/how-much-does-a-bin-sponsor-cost Mon, 20 Jul 2026 00:00:00 GMT No verified BIN sponsor publishes a price list. What a BIN sponsorship quote is made of - setup, BIN fees, per-card and per-transaction fees, scheme passthrough, collateral - what moves it up or down, and the few published prices in adjacent categories worth knowing. https://fintechnologica.com/guides/baas-pricing-explained https://fintechnologica.com/guides/baas-pricing-explained Mon, 20 Jul 2026 00:00:00 GMT Core BaaS platforms do not publish pricing - the transparent edge of the market does. The full BaaS cost structure (setup, platform minimum, per-account, per-card, per-transaction, scheme passthrough), what moves a quote, and every published entry price in the verified catalogue. https://fintechnologica.com/insights/who-issues-local-ibans-in-europe https://fintechnologica.com/insights/who-issues-local-ibans-in-europe Sun, 19 Jul 2026 00:00:00 GMT Source-verified coverage of 21 IBAN country codes - the UK leads with 17, Lithuania 9; Poland, Austria and Portugal have zero dedicated issuers. Only 15 verified IBAN sponsors document SEPA Direct Debit, where IBAN discrimination actually bites. https://fintechnologica.com/insights/who-holds-europes-fintech-licences https://fintechnologica.com/insights/who-holds-europes-fintech-licences Sun, 12 Jul 2026 00:00:00 GMT Register data from EBA, ESMA and the FCA: 998 PIs, 422 EMIs, 279 MiCA CASPs, 129 AISPs and 735 UK firms. Lithuania is the e-money capital, 39% of licences never passport, and Google, Amazon, Meta and Stripe all hold EU licences - licence is not sovereignty. https://fintechnologica.com/insights/who-makes-european-cards https://fintechnologica.com/insights/who-makes-european-cards Mon, 29 Jun 2026 00:00:00 GMT The card scheme is American, but the card body, chip and personalisation are made in Europe - IDEMIA, Giesecke+Devrient, Thales, Austriacard, Paragon ID. A rare layer where Europe leads. https://fintechnologica.com/insights/european-mica-stablecoins https://fintechnologica.com/insights/european-mica-stablecoins Fri, 26 Jun 2026 00:00:00 GMT Regulated euro stablecoins under MiCA (EURCV, EUROe, EURe, EURQ, EURR, EUROP, EURI) as a European, EEA-supervised alternative to US-controlled USDC and USDT. Verified at source.