Liberis
Liberis is a UK (outside the EU/EEA) fintech-infrastructure provider (Lending module). Verified at source - licence, regulator and registry reference. Active
Who it's for
Liberis is built for products adding credit - financing, instalments or BNPL.
Sovereignty profile
- Data residency (EEA): No - outside the EEA
- Company origin: UK (UK)
What Liberis does
Verified licence profile
Liberis (UK) - revenue-based financing distributed via partners (Barclaycard, eBay, Worldpay). Not an FCA-licensed lender - EMD Agent only (2019); Qred (SE) took a stake.
Verified 2026-06-25. How we verify → · Spotted something out of date? Report a correction. · Are you Liberis? Work with us →
European alternatives to Liberis
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 Liberis European / EEA-based?
Liberis is UK origin (UK) and is not fully EEA-based; shown as a contrast/comparison.
What does Liberis do?
Liberis covers: Lending module. Verified at source by Fintechnologica.