Noah Sharp
CEO
Vodeno
10/10Traction
Vodeno offers a cloud‑native Banking‑as‑a‑Service platform that lets fintechs, e‑commerce merchants, and SaaS providers embed full retail and SME banking features—such as accounts, multi‑currency IBANs, payments, card issuance, savings, lending, BNPL and investment services—directly into their applications via a single API. The solution includes built‑in AML/KYC, fraud monitoring, and back‑office reporting, leveraging a licensed European bank and Google Cloud infrastructure to accelerate time‑to‑market while handling regulatory compliance and infrastructure management.
- Enterprise Software
- Financial Technology
- Software Only
Updated 5 months ago
Funding
Raised to date
$56.7MRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Funding rounds are not available yet.
Founders
Product
Problem
Businesses that want to offer financial products such as accounts, payments, cards, lending or investments must integrate with multiple legacy banking systems, navigate complex regulatory requirements, and manage costly infrastructure, which slows time‑to‑market and limits product innovation.
Solution
Vodeno provides a cloud‑native Banking‑as‑a‑Service platform built on Google Cloud and smart‑contract core banking technology. By partnering with a fully licensed European bank, the platform delivers compliant retail and SME banking capabilities through a single set of APIs. Companies can embed account creation, multi‑currency IBANs, digital onboarding, payments, card issuance, savings, lending, BNPL and investment services directly into their own digital experiences. The solution includes built‑in AML/KYC, fraud monitoring and back‑office reporting, allowing partners to launch and scale financial products quickly without managing banking infrastructure.
Target Audience
Primary customers are fintechs, digital platforms, e‑commerce merchants and SaaS providers that need to embed banking and credit services into their user experience.
Features
- API‑first architecture with single‑point integration for accounts, payments, cards, lending, savings and investment products
- Digital onboarding workflow with end‑to‑end AML/KYC compliance for retail and business customers
- Instant issuance of digital debit/credit cards, Apple/Google Pay tokenisation and NFC contactless support
- Multi‑currency settlement accounts and virtual IBANs with no conversion fees, supporting SEPA, SWIFT and local schemes in Poland and Sweden
- Embedded lending options including cash loans, BNPL and merchant financing with automated credit decisions in under 10 minutes
- Automated compliance, reporting and fraud‑prevention tools included in the back‑office suite
- Scalable cloud infrastructure hosted on Google Cloud, certified as a Google Partner for high transaction volumes