Hokodo
Hokodo is a UK (outside the EU/EEA) fintech-infrastructure provider (Lending module). Verified at source - licence, regulator and registry reference. Defunct (wind-down 2025)
Who it's for
Hokodo is built for products adding credit - financing, instalments or BNPL.
Sovereignty profile
- Data residency (EEA): Partial - partly in the EEA - check the rail
- Company origin: UK (UK / France)
What Hokodo does
Verified licence profile
Hokodo (London / Paris / Vilnius) - B2B BNPL / digital trade credit; financed EUR 500m+ for 100k+ buyers, with a BNP Paribas partnership. NB: wound down in late 2025 (founders launched Liquidity Lab) - a proof-of-value entry for the status/risk column.
Verified 2026-06-26. How we verify → · Spotted something out of date? Report a correction. · Are you Hokodo? Work with us →
Official register entries
- E-money institution (EMI) - Bank of Lithuania · Ref LB000489 · Active (EBA PSD2 register, as of 2026-07-18)
Register-sourced. See the full European Fintech Index. Registers have no legal significance - always confirm current status with the home regulator.
Timeline
- 2025 [status] Wound down (founders launched Liquidity Lab)
European alternatives to Hokodo
Aion Bank (Belgium) - digital bank and BaaS across the EU (embedded accounts, deposits, lending and payments, paired with Vodeno tech). ECB-licensed credit institution. Acquired by UniCredit (with Vodeno) for ~EUR 370m, completed Mar 2025.
Alma (Paris, France; founded 2018) - split-payment and BNPL. ACPR-licensed payment institution and financing company (no. 90786). EUR 2.5bn volume in 2025 (profitable), 23k merchants across 10 countries; partners with the CB scheme.
Banxware (Berlin, Germany) - embedded-lending orchestrator for B2B platforms (loans EUR 1k-250k), with licensing and compliance via bank partners (e.g. HypoVereinsbank/UniCredit).
Billie (Berlin, Germany) - B2B BNPL: embedded payment terms for B2B marketplaces (Metro, Mercateo). NB: 2025 BaFin guidance requires B2B BNPL to hold a KWG credit-institution licence or partner with a licensed bank.
Defacto (France) - B2B lending fintech offering standard credit loans; the first such fintech licensed by the ACPR (Feb 2024). 17k+ businesses across FR/DE/ES/NL/BE.
🏦 Local IBANs: LT GB
DiPocket (Lithuania; + UK) - card issuing and IBAN accounts; Visa & Mastercard Principal Member. EMI, Bank of Lithuania (EEA) + FCA (UK). SEPA + SWIFT, LT IBANs and UK Faster Payments.
FAQ
Is Hokodo European / EEA-based?
Partly. Hokodo is UK origin (UK / France); part of its rail or data sits outside the EEA - check the licence profile.
What does Hokodo do?
Hokodo covers: Lending module. Verified at source by Fintechnologica.