Okali
Okali is a European (EEA-based) fintech-infrastructure provider (BaaS, IBAN sponsor, Card issuing software). Verified at source - licence, regulator and registry reference. Active (Crédit Agricole)
Who it's for
Okali is built for teams that want accounts, payments and cards behind one contract and one API. It holds its own e-money licence, so programmes can run under its umbrella with safeguarded client funds. Verified stand-outs: local IBANs in FR.
Sovereignty profile
- Data residency (EEA): Yes - hosted in the EEA - GDPR / CLOUD Act safe
- Company origin: EU core (France)
- Local IBANs: FR
- Client funds: safeguarded (segregated at a credit institution) - ring-fenced from creditors, not deposit-guaranteed
What Okali does
Capabilities & rails
- 🛤️ Payment rails (documented): SCT · SCT Inst · SDD Core
- Account model: Dedicated
- Account currencies: EUR
Verified licence profile
Okali (SFPMEI, Banque de France; France) - a BaaS pioneer since 2013 and the regulated entity behind Spendesk, Blank, Helios and others. EMI; 100% Crédit Agricole subsidiary (Jan 2022).
Verified 2026-07-20. How we verify → · Spotted something out of date? Report a correction. · Are you Okali? Work with us →
Official register entries
- E-money institution (EMI) - Prudential Supervisory and Resolution Authority · Ref 890111776 · 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.
Known to power
- Spendesk (licence-via) — Okali is a regulated entity behind Spendesk flows
- Blank (licence-via) — Okali is the regulated entity behind Blank
- Helios (licence-via) — Okali is the regulated entity behind Helios
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FAQ
Is Okali European / EEA-based?
Yes. Okali hosts data in the EEA (GDPR / CLOUD Act safe); origin EU core, France.
What does Okali do?
Okali covers: BaaS, IBAN sponsor, Card issuing software. Verified at source by Fintechnologica.