# Fintechnologica

> Independent, sovereignty-first directory of European fintech infrastructure - BaaS, card issuing, BIN and IBAN sponsorship, payments, open banking, crypto (MiCA), KYC and more. Every provider is verified at source (licence type, regulator, registry reference). Zero pay-to-rank; neutrality is the product.

## Key facts

- 541 verified providers (355 EU/EEA-origin), across 36 product categories and 36 countries.
- Each profile shows three separate sovereignty layers: EEA data residency, company origin, and the card scheme - plus licence type, regulator and register reference.
- Licence register: 2654 register-sourced entities across the EEA and UK (1397 payment institutions, 691 e-money institutions, 217 AISPs, 349 MiCA CASPs), from the official EBA, ESMA and FCA registers.
- Data verified at source; this file was generated on 2026-09-20.

## Main sections

- [Provider catalogue](https://fintechnologica.com/): interactive filter by product, sovereignty, licence and market.
- [Digital sovereignty](https://fintechnologica.com/digital-sovereignty): what sovereignty means in fintech - the three verified layers.
- [EEA data residency](https://fintechnologica.com/eea-data-residency): the full residency guide - GDPR, CLOUD Act, DORA, and how Yes / Partial / No are verified.
- [European card schemes](https://fintechnologica.com/european-card-schemes): why fintech cards issue on Visa/Mastercard, the domestic-scheme roster, and the A2A alternative.
- [iOS NFC in the EEA](https://fintechnologica.com/ios-nfc-providers): iPhone tap-to-pay without Apple Pay (case AT.40452) and the verified providers that deliver it.
- [Guides](https://fintechnologica.com/guides): cost structures and how-to - BaaS pricing, BIN sponsorship, IBAN-as-a-service, incl. every published entry price.
- [Open data](https://fintechnologica.com/data): two CC BY 4.0 CSV downloads - the EEA/UK licence index and our verified provider index.
- Licence guides: [EMI](https://fintechnologica.com/licenses/emi-license), [PI](https://fintechnologica.com/licenses/payment-institution-license), [Banking](https://fintechnologica.com/licenses/banking-license), [MiCA](https://fintechnologica.com/licenses/mica).
- Regulator pages: [BaFin](https://fintechnologica.com/regulators/bafin), [Bank of Lithuania](https://fintechnologica.com/regulators/bank-of-lithuania), [CSSF](https://fintechnologica.com/regulators/cssf), [ACPR](https://fintechnologica.com/regulators/acpr), [BNB](https://fintechnologica.com/regulators/bnb), [KNF](https://fintechnologica.com/regulators/knf) - register rows + verified providers per supervisor.
- [Compare](https://fintechnologica.com/compare): curated side-by-side comparisons (Solaris vs Swan, Mollie vs Adyen...) - verified facts, no verdicts.
- [All providers A-Z](https://fintechnologica.com/providers): 541 verified profiles.
- [Categories](https://fintechnologica.com/categories): all product categories with verified providers.
- [Countries](https://fintechnologica.com/countries): providers by headquarters country.
- [Solutions](https://fintechnologica.com/solutions): blueprints mapping common fintech builds to the required stack.
- [European Fintech Index](https://fintechnologica.com/european-fintech-index): the register-sourced licence dataset.
- [European alternatives](https://fintechnologica.com/alternatives): sovereignty-first shortlists vs US platforms.
- [Radar](https://fintechnologica.com/radar): ownership, risk and status changes we track.
- [Insights](https://fintechnologica.com/insights): register-backed analysis.
- [How we verify](https://fintechnologica.com/how-we-verify) - methodology; [Editorial policy](https://fintechnologica.com/editorial-policy) - zero pay-to-rank.
- [Request a match](https://fintechnologica.com/request-a-match): free, human-curated shortlist of three verified providers.
- [Newsletter](https://fintechnologica.com/newsletter): monthly changes from the data - licences, ownership, status, new analyses.

## Categories

- [Agentic payments & commerce](https://fintechnologica.com/agentic-payments): 4 verified providers
- [BaaS](https://fintechnologica.com/baas-providers): 62 verified providers
- [BIN sponsor](https://fintechnologica.com/bin-sponsors): 21 verified providers
- [Card issuing software](https://fintechnologica.com/card-issuing): 74 verified providers
- [Card manufacturing & personalization](https://fintechnologica.com/card-manufacturing): 7 verified providers
- [Card-linked rewards & loyalty](https://fintechnologica.com/card-linked-rewards): 8 verified providers
- [Click to Pay](https://fintechnologica.com/click-to-pay): 6 verified providers
- [Core banking](https://fintechnologica.com/core-banking): 37 verified providers
- [Credit risk & decisioning](https://fintechnologica.com/credit-risk-decisioning): 7 verified providers
- [Cross-border payments / FX](https://fintechnologica.com/cross-border-payments): 43 verified providers
- [Crypto / digital-asset infra](https://fintechnologica.com/crypto-infrastructure): 48 verified providers
- [Digital identity & eIDAS](https://fintechnologica.com/digital-identity): 16 verified providers
- [Direct debit & recurring collections](https://fintechnologica.com/direct-debit): 3 verified providers
- [E-invoicing & tax compliance](https://fintechnologica.com/e-invoicing): 14 verified providers
- [Embedded insurance](https://fintechnologica.com/embedded-insurance): 5 verified providers
- [Fintech software development](https://fintechnologica.com/fintech-development): 8 verified providers
- [Fraud & AML monitoring](https://fintechnologica.com/fraud-aml-monitoring): 14 verified providers
- [IBAN sponsor](https://fintechnologica.com/iban-sponsors): 52 verified providers
- [Investment infrastructure](https://fintechnologica.com/investment-infrastructure): 10 verified providers
- [Issuer processing](https://fintechnologica.com/issuer-processing): 59 verified providers
- [KYC/KYB](https://fintechnologica.com/kyc-kyb-providers): 35 verified providers
- [Lending module](https://fintechnologica.com/lending-providers): 32 verified providers
- [Local payment schemes](https://fintechnologica.com/local-payment-schemes): 37 verified providers
- [Merchant of Record](https://fintechnologica.com/merchant-of-record): 4 verified providers
- [Open banking](https://fintechnologica.com/open-banking-providers): 38 verified providers
- [Payment gateway](https://fintechnologica.com/payment-gateways): 95 verified providers
- [Payment orchestration](https://fintechnologica.com/payment-orchestration): 15 verified providers
- [Payment terminals & SoftPOS](https://fintechnologica.com/payment-terminals): 7 verified providers
- [Regulatory reporting](https://fintechnologica.com/regulatory-reporting): 3 verified providers
- [Sovereign cloud & hosting](https://fintechnologica.com/sovereign-cloud): 10 verified providers
- [Spend management](https://fintechnologica.com/spend-management): 25 verified providers
- [Subscription billing](https://fintechnologica.com/subscription-billing): 5 verified providers
- [Tokenization – Non-X-Pays](https://fintechnologica.com/issuer-wallet-tokenization): 10 verified providers
- [Tokenization – X-Pays](https://fintechnologica.com/x-pays-tokenization): 18 verified providers
- [Treasury & cash management](https://fintechnologica.com/treasury-management): 7 verified providers
- [Verification of Payee](https://fintechnologica.com/verification-of-payee): 4 verified providers

## Insights

- [Who is actually getting MiCA-licensed in Europe - and why Germany's lead is not what it looks like](https://fintechnologica.com/insights/who-is-getting-mica-licensed) (2026-09-20)
- [Who issues local IBANs in Europe - the verified coverage map: 21 country codes, three big gaps](https://fintechnologica.com/insights/who-issues-local-ibans-in-europe) (2026-07-19)
- [Who really holds Europe's fintech licences - 2,654 entities, mapped](https://fintechnologica.com/insights/who-holds-europes-fintech-licences) (2026-07-12)
- [Who actually makes Europe's payment cards](https://fintechnologica.com/insights/who-makes-european-cards) (2026-06-29)
- [European MiCA stablecoins vs USDC and USDT - the sovereignty case](https://fintechnologica.com/insights/european-mica-stablecoins) (2026-06-26)

## Guides

- [BaaS pricing explained - what is published, what is negotiated](https://fintechnologica.com/guides/baas-pricing-explained) (2026-07-20)
- [How much does a BIN sponsor cost?](https://fintechnologica.com/guides/how-much-does-a-bin-sponsor-cost) (2026-07-20)
- [IBAN-as-a-service costs - the structure behind the quote](https://fintechnologica.com/guides/iban-as-a-service-cost) (2026-07-20)
- [How to get a BIN sponsor in Europe - the 7-step path](https://fintechnologica.com/guides/how-to-get-a-bin-sponsor) (2026-07-20)
- [How to choose a BaaS provider in Europe - a 7-step method](https://fintechnologica.com/guides/how-to-choose-a-baas-provider) (2026-07-20)
- [How to launch a card programme in Europe - the 7-layer checklist](https://fintechnologica.com/guides/how-to-launch-a-card-program-in-europe) (2026-07-20)
- [EMI licence vs BYOL - who holds the licence behind your product?](https://fintechnologica.com/guides/emi-license-vs-byol) (2026-07-20)

## Contact

- Corrections: https://fintechnologica.com/report-a-correction
- Providers: https://fintechnologica.com/for-providers
- Matching (buyers): https://fintechnologica.com/request-a-match
Full provider index: https://fintechnologica.com/llms-full.txt