Solution blueprint

Embed lending / BNPL

Offer credit, instalments or BNPL in your product. Below is the product stack you need, with verified European providers for each layer - compare by EEA data residency, licence and regulator.

Step 1 — Lending / BNPL engine required

Origination, scoring and servicing of credit.

Aion Bank EU core Belgium
Alma EU core France
Banxware EU core Germany

Browse all: Lending module

Step 2 — Verify and assess risk required

Identity, affordability and fraud checks.

AMLYZE EU core Lithuania
Authologic EU core Poland
Cleafy EU core Italy

Browse all: KYC/KYB · Fraud & AML monitoring

Step 3 — Disburse funds optional

Pay out to an account or a card.

Adyen EU core Netherlands
Bankera EU core Lithuania
Banking Circle EU core Luxembourg

Browse all: IBAN sponsor · Card issuing software

Sovereignty notes

Keep credit data and decisioning with an EU-core provider, hosted in the EEA.

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