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)
Free for buyers: describe your use case and we check it against Okali and verified alternatives - licence, data residency, fit for your market - then introduce you to the right person. Reply within 1-2 business days.
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)
- Ownership / control: EU-owned - Credit Agricole
- 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 How we verify → · Official website: okali.eu · Spotted something out of date? Report a correction.
Official register entries
- E-money institution (EMI) - Prudential Supervisory and Resolution Authority · Ref 890111776 · Active (EBA PSD2 register, as of 2026-09-18)
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.
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