Synctera
Synctera is a US - contrast fintech-infrastructure provider (BaaS). Verified at source - licence, regulator and registry reference. Active
Who it's for
Synctera is built for teams that want accounts, payments and cards behind one contract and one API. As an unlicensed vendor, regulatory obligations stay on the client's side.
Sovereignty profile
- Data residency (EEA): No - outside the EEA
- Company origin: US (US)
What Synctera does
Verified licence profile
Synctera (US) - BaaS via a sponsor-bank network; not licensed itself.
Verified 2026-06-25. How we verify → · Spotted something out of date? Report a correction. · Are you Synctera? Work with us →
European alternatives to Synctera
Advapay (Estonia) - Macrobank core banking software for EMIs and PIs; front-to-back, CENTROlink/SEPA-ready, available as SaaS or perpetual licence, plus fintech-licensing consulting. Unlicensed technology (BYOL).
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.
Aircash d.o.o. (Zagreb) - e-money institution, Croatian National Bank (ref IEN116); m-wallet, prepaid cards, mobile payments, transfers; passported across the EEA.
Bank Frick (Liechtenstein; family-owned, founded 1998) - banking and acquiring for PSPs and fintechs; the only Liechtenstein bank with both Visa and Mastercard acquiring licences, and the first EU bank in blockchain banking (2018). First Liechtenstein entry in the catalogue.
🏦 Local IBANs: LT
Bankera (Lithuania) - business and personal banking (LT IBANs, SEPA/SWIFT, cards) operated via UAB Pervesk (EMI, Bank of Lithuania). Earlier 2017-18 ICO-funded history.
🏦 Local IBANs: GB DE LU
Banking Circle S.A. (Luxembourg) - cross-border banking, accounts, payments and settlement for banks, PSPs and fintechs; issues the EURI euro stablecoin. Credit institution, CSSF (LUB00000408); not the unrelated 'Circle Group S.A.'.
FAQ
Is Synctera European / EEA-based?
Synctera is US origin (US) and is not fully EEA-based; shown as a contrast/comparison.
What does Synctera do?
Synctera covers: BaaS. Verified at source by Fintechnologica.