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Payment Infrastructure White Paper
MMXXVI
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MMXXVI · Digital Bank · Volume 01 · Edition 01
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Product White Paper · B2B Digital Bank Platform

Payment infrastructure
for the firms banks refuse to serve.

A purpose-built EU credit institution with direct central-bank access, Mastercard / Visa principal membership, and its own acquiring stack — for licensed payment firms the existing system has left behind.

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licensed payment firms cannot get a bank account.
EU + UK payment and e-money institutions requiring segregated safeguarding. Most banks refuse; the ones that don’t can exit in 30 days.
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{[ { v: '48hrs', l: 'Partner go-live' }, { v: '0.75%', l: 'Settlement rate' }, { v: '5', l: 'Central banks direct' }, { v: '0', l: 'Debanking risk' }, ].map((k, i) => (
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Sources · BIS CPMI 2025 · FCA CP24/20 & PS25/12 · EBA EUCLID Register 2024 · World Bank RPW Q1 2025
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Abstract

This paper describes why existing payment infrastructure is structurally broken for licensed financial institutions — and what a purpose-built EU credit institution with direct central-bank access can do about it.

The licensed payment sector is caught in a paradox: regulation requires it to safeguard customer funds at a credit institution, yet credit institutions are exiting the corridors these firms serve. The result is a shrinking pool of willing banks, escalating counterparty risk, and remittance costs that fail the world’s development targets.

Three regulatory shifts in 2025 changed the picture. We set out the model that follows from them — direct settlement across five central banks, principal card membership, and an own acquiring stack — and the economics it creates for partner firms.

Written for
Compliance officers, CTOs and operations heads at licensed payment institutions, MTOs, fintechs and mobile-money operators.
Edition
June 2026 · Vol. 01
Contents
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The proposition

Stable account. Stable channels.
Prosperous business.

Own licence. Own clearing. Own acquiring. We cannot be de-risked, cannot be exited, and hold your funds at the central bank.

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June · MMXXVI
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