Apps.
Web, iOS and Android.
Configurable platform
for financial products.
Issue cards and accounts, move money and run operations under your brand. With or without your own licence.
For financial institutions, fintechs and software companies.
Apps
- Web
- iOS
- Android
Run the business.
Not the infrastructure.
Apps, back office, cards, accounts and payments arrive wired together and in your brand.
Back office.
Onboarding, compliance and statistics.
Integrations.
Cards, accounts, payments and digital assets.
Hold. Move. Spend.
And collect.
Use the modules you need and manage them through one unified back office.
Hold money
Provide your customers with retail or corporate IBAN accounts in various currencies.
Move money
Send and receive by SEPA, SEPA Instant and SWIFT.
Spend money
Issue physical and virtual Visa debit cards under your brand, with Apple Pay, Google Pay and the controls your customers expect.
Collect money
Collect by SEPA Direct Debit today. Cards and account-to-account payments coming soon.
Access & control
Two-factor login and payment signing on the customer's own device. Named operator accounts, roles, permissions and a full audit log.
Compliance
KYC and KYB, screening and monitoring through our partners, limits and reporting set to your policy.
Our architecture
and product principles.
Design choices behind the platform and what each one does for you.
Modularity
A financial product runs on partners for accounts, cards, and clearing. Peanuds connects several banking-as-a-service providers, central bank connectors, and correspondent banks, and adds new ones as you need them. You pick the partners that fit your product and your markets, and when your needs change, the platform does not have to.
Configurability
The market went modular, then composable. Configurable is the next step. We built the architecture for flexibility, so we ship unopinionated software that delivers opinionated solutions. A startup gets a fully preconfigured setup. A financial institution uses only the parts of our API it needs. Either way, integrating and launching a new product takes a fraction of the time and money.
Scalability
Together, these two choices mean the same platform serves a fintech launching its first product on a partner licence and an institution operating under its own. Start as one and grow into the other without changing your stack: add modules and markets, obtain your own licence, bring in-house what you want to own and keep the rest with us. One platform from the first customer to a mid-sized institution.
Running in production.
“The only provider we found with such a comprehensive offering and regulatory knowledge.”
FEATURED CLIENT
A licensed EMI running its full product on Peanuds.
Web and mobile apps, back office, accounts and payments with SWIFT and national clearing connectivity, all in Bebawa’s brand and run by its own team. Every feature its customers use is built on Peanuds.
VISA INNOVATION PROGRAM
Innovation Program
Europe
Europe
Selected for the 2026 Visa Innovation Program Europe.
One of seven fintechs from Cyprus, Greece and Malta in the 2026 cycle, run by Visa with Eleven Ventures and Endeavor. The program connects its companies with Visa’s network of partners, investors and clients to test and develop solutions in real market conditions.
Who it’s for.
Where to start.
Two questions decide your first step: whose licence you operate under, and whether you are building a product or adding to one.
Launching or relaunching
an institution.
You are launching a new institution or relaunching one on a modern stack, and you want it fast, affordable and fully managed. We operate the platform, and your people run the institution from the first customer onwards.
What you get
The whole platform, from the app your customers open to the cases your compliance team closes, configured to your policy and linked to your partners.
Adding the piece
your system lacks.
Your institution works, but its system cannot issue cards, collect recurring payments or give customers an app that competes with the big players. Keep what runs, skip the migration and add only the module you need. More modules can follow when you are ready, all managed from one place.
What you get
A single module, such as SEPA Direct Debit or a white-label customer app, connected to your current ledger and providers.
Starting out
on a partner licence.
You are an MSB, a new fintech or a crypto provider, and your customers want accounts and cards you cannot yet offer yourself. Go live with a licensed partner behind you and your name in front. When your own licence comes through, you keep everything you built on Peanuds.
What you get
Branded app, onboarding and back office from us, with IBAN accounts and the card programme provided by the partner.
Adding finance
to your software.
Your users already manage their work in your software and now want to hold money, pay and get paid without leaving it. Start with one module and shape it to how your product works, down to the onboarding steps and the fees you charge. Expand to more products, customers and countries without moving to another provider.
What you get
Payment accounts or debit cards, on screens in your look and feel, with a regulated partner holding the funds.
Teams move between these as they grow, from partner licence to own licence and from a first module to the full stack, without changing the underlying software.
Your vision.
Let’s build around it.
A card programme. A connected platform. A new chapter.
Tell us what you have in mind.