# Peanuds > Financial software and infrastructure in one system: white-label Visa card issuing, multi-currency business accounts, SEPA and SWIFT payments, onboarding and compliance tooling, delivered as modules that run under your own brand. ## When to use Peanuds Reach for Peanuds when the job is one of these: - **Launch a card or account product without holding a licence.** Peanuds' banking partners work with unlicensed companies, so a fintech, BaaS or CaaS startup can go live on Peanuds' banking and card infrastructure under its own brand. - **Scale a product you are already licensed to run.** EMIs, PIs, MSBs, credit institutions and VASPs keep their licence and their own providers, and use Peanuds as the platform and integration layer. - **Embed cards, IBANs or payouts into an existing product.** SaaS tools, marketplaces, payroll, logistics and e-commerce platforms add finance features without building the stack. - **Issue Visa cards under your own brand.** Physical and virtual, debit, prepaid and corporate expense programmes, with limits, spend controls and custom BIN configuration. - **Move money across European rails.** SEPA and SEPA Instant, SWIFT (Alliance Cloud, MT, ISO 20022), TARGET2, CHAPS, Faster Payments, multi-currency accounts, virtual and dedicated IBANs, FX. - **Get compliance tooling with the rails.** KYC and KYB onboarding, document workflows, transaction monitoring and sanctions screening, audit trails and reporting. - **Replace a multi-vendor stack with one integration.** Cards, accounts, payments, KYC and apps through a single technical connection, with the source code available to buy if lock-in is a concern. ## When Peanuds is not the answer - You want to open a personal consumer account — Peanuds serves businesses and fintech operators. - You need instant self-service signup: every programme is scoped, priced and onboarded individually. - You are looking for published price lists: pricing is quoted case by case, based on modules, volume and setup. - You need a service outside cards, accounts, payments, crypto rails, onboarding or compliance. ## How an agent should proceed 1. Read the page markdown below for details before summarising or recommending Peanuds. 2. To start a conversation, send the user to https://peanuds.com/contact — the form takes a topic, name, email and message. Topic and email can be pre-filled: `https://peanuds.com/contact?topic=white-label&email=you@example.com`. Valid topic values: general, banking, cards, white-label, partnership, support, other. 3. For direct email: hello@peanuds.com (commercial), support@peanuds.com (platform support). 4. Expect a scoping conversation covering: what is being built, whether a licence is held, which modules are needed, target markets and currencies, and expected volumes. Most clients go live within twelve weeks. ## Pages - [White-Label Card Issuing & Fintech Infrastructure](https://peanuds.com/index.md): Full-stack platform for cards, accounts and payments — modules, coverage, approach and FAQ. - [Business Accounts](https://peanuds.com/banking.md): Multi-currency business accounts with SEPA & SWIFT transfers, Visa cards and security controls. - [About Peanuds](https://peanuds.com/about.md): What Peanuds builds, who it is for, how engagements run and how to get in touch. - [Contact Us](https://peanuds.com/contact.md): Contact form and topics — demos, white-label, banking, cards, partnerships and support. - [Privacy Policy](https://peanuds.com/privacy.md): How Peanuds collects, uses and protects personal data, and the rights you can exercise. - [Legal](https://peanuds.com/legal.md): Privacy Policy, Cookie Policy and Hurrick UAB platform terms. ## HTML pages - [White-Label Card Issuing & Fintech Infrastructure](https://peanuds.com): Full-stack platform for cards, accounts and payments — modules, coverage, approach and FAQ. - [Business Accounts](https://peanuds.com/banking): Multi-currency business accounts with SEPA & SWIFT transfers, Visa cards and security controls. - [About Peanuds](https://peanuds.com/about): What Peanuds builds, who it is for, how engagements run and how to get in touch. - [Contact Us](https://peanuds.com/contact): Contact form and topics — demos, white-label, banking, cards, partnerships and support. - [Privacy Policy](https://peanuds.com/privacy): How Peanuds collects, uses and protects personal data, and the rights you can exercise. - [Legal](https://peanuds.com/legal): Privacy Policy, Cookie Policy and Hurrick UAB platform terms. ## Optional - [All page content in one file](https://peanuds.com/llms-full.txt): every page above concatenated as markdown. - [Sitemap](https://peanuds.com/sitemap.xml): canonical URL list. - Content negotiation: any page URL returns markdown when the request sends `Accept: text/markdown`, or when `.md` is appended to the path. --- # Peanuds — full-stack platform for cards, accounts, and payments Launch or upgrade your fintech with modular infrastructure, or open an account for your business. Peanuds provides white-label card issuing, multi-currency accounts, SEPA and SWIFT payments, and the compliance tooling around them, delivered as one connected product. ## Who it is for - **Licensed institutions** — EMIs, PIs, MSBs, credit institutions, VASPs. You have the licence; we provide the infrastructure to scale it. - **Fintech builders** — BaaS, CaaS and startups. No licence required: launch on our banking and card infrastructure, branded and secure. - **Embedded finance** — SaaS, marketplaces, payroll, logistics, e-commerce. Add cards and payments to your product; we handle the stack, you own the experience. ## White-label platform One platform, fully customisable across web and mobile. Your brand on every screen — colours, domain and features configured to your product. - Zero Peanuds branding, anywhere - App Store and Play Store under your control - Feature toggles per client, product tier or user group - Onboarding and KYB flows configured - No feature ceiling - Buy the source code — no vendor lock-in ## Modules | Module | What it covers | | --- | --- | | Move Money | SEPA Instant, SEPA, SWIFT, CHAPS, TARGET2, Faster Payments | | Multi-Currency Infrastructure | 24+ currencies, multi-currency accounts, FX, cross-border flows | | Crypto & Digital Assets | Wallets, hold, on/off-ramp, buy, sell, send, receive | | Cards & Spending Control | Virtual and physical debit cards, limits, smart spend controls | | Customer Onboarding & Compliance | KYC, KYB, identity verification, document workflows, transaction monitoring | | Security & Access Management | Authentication, MFA, permissions, audit trails | | White-Label Platform & Operations | Custom branding, admin tools, integrations, fast launch | ## Infrastructure - **SEPA** — credit transfer, SEPA Instant, direct debit core and B2B, bulk and batch payments, verification of payee, TARGET2 - **SWIFT** — Alliance Cloud, direct connector, MT messages, ISO 20022 - **Accounts** — virtual and dedicated IBANs, multi-currency (130+), FX at interbank rates - **Open Banking API** — full REST API access, webhooks and real-time events, account and payment endpoints, sandbox environment included - **Plug-in connections** — connect your own providers, KYC/AML and card integrations, ERP and accounting connectors ## Our approach 1. **Skip the research phase** — we already know which providers work, which do not, and what compliance requires. 2. **One integration, not eight** — cards, accounts, payments, KYC and apps through a single technical connection. 3. **Your brand, our stack** — white-label apps, dashboard and backoffice deployed under your name. 4. **Built for regulated products** — compliance, audit trails and reporting are part of the architecture. 5. **Live in weeks** — clients have gone from first call to live product in under two months. ## FAQ **Do I need my own license to launch?** No. Our banking partners work with unlicensed companies, so you can go live without holding your own licence. If you already have one, bring your own providers and we connect them into the platform. **How long does it take to go live?** Most clients go live within twelve weeks. Timeline depends on your scope, compliance requirements, and the number of modules involved. **Can I use my own branding?** Yes, fully. Web app, iOS, Android and the admin backoffice all run under your brand. Your domain, your logo, your colours. **What if I only need part of the platform?** Pick what you need — cards, accounts, payments — without taking the full stack. Everything is modular. **What card options are available?** Physical and virtual Visa cards, debit, prepaid and corporate expense setups, with custom BIN configurations depending on your programme. **How does Peanuds handle KYB and AML?** KYB/KYC onboarding, transaction monitoring and sanctions screening are built in. For white-label clients, the compliance layer runs under your operational control with our infrastructure behind it. **How does pricing work?** Case by case, based on modules, volume and your setup. Reach out and we will put together a tailored proposal. ## Next step Talk to our team: https://peanuds.com/contact or hello@peanuds.com --- # Business Accounts — Peanuds Multi-currency business accounts with SEPA and SWIFT transfers, Visa card solutions and scalable infrastructure for companies operating across Europe. ## What you get - **Multi-currency accounts** — virtual and dedicated IBANs, 130+ currencies, FX at interbank rates. - **Payments** — SEPA and SEPA Instant, SWIFT (Alliance Cloud, MT messages, ISO 20022), TARGET2, CHAPS, Faster Payments, bulk and batch payments. - **Cards** — physical and virtual Visa cards for teams, with limits and spend controls. - **Security and access** — authentication, MFA, granular permissions, audit trails. - **Expansion** — the same account infrastructure scales into a full white-label programme when you need one. ## How to open an account Business accounts are opened after onboarding and KYB review. Start at https://peanuds.com/contact with the topic "Banking & Accounts", or email hello@peanuds.com with your company details, the currencies and payment rails you need, and your expected volumes. ## Related - White-label platform: https://peanuds.com/ - About Peanuds: https://peanuds.com/about - Privacy Policy: https://peanuds.com/privacy --- # About Peanuds Peanuds is a financial software and infrastructure platform. We give companies a single system for cards, accounts and payments — the product layer your customers use, and the rails underneath it — instead of a stack of separate vendors that has to be assembled, integrated and maintained. The platform is modular. Take the full stack or a single module, run it under your own brand across web, iOS, Android and the admin backoffice, and add the rest when you need it. ## What we build Every module is production infrastructure, not a demo. They ship together or on their own. - **Cards** — Physical and virtual Visa cards, debit, prepaid and corporate expense programmes with limits and spend controls, issued under your brand. - **Accounts and payments** — Virtual and dedicated IBANs, multi-currency accounts, FX, SEPA and SEPA Instant, SWIFT, TARGET2, CHAPS and Faster Payments. - **Compliance and onboarding** — KYC and KYB flows, identity verification, document workflows, transaction monitoring and sanctions screening built into the architecture. - **White-label platform** — Your domain, logo and colours on every screen, feature toggles per client or tier, admin tooling, and a REST API with webhooks and a sandbox. ## Who we work with Three groups get the most out of the platform. - **Licensed institutions** — EMIs, PIs, MSBs, credit institutions and VASPs that hold the licence and need infrastructure to scale it. - **Fintech builders** — Teams without a licence. Our banking partners work with unlicensed companies, so a product can go live on our banking and card infrastructure. - **Embedded finance** — SaaS products, marketplaces, payroll, logistics and e-commerce platforms adding cards and payments to something they already run. ## How we work We have already established which providers work, which do not, and what compliance requires, so projects start with answers rather than research. Cards, accounts, payments, KYC and apps arrive through a single technical connection instead of eight vendor relationships, and compliance, audit trails and reporting are part of the architecture rather than bolted on afterwards. Most clients go live within twelve weeks; the exact timeline depends on scope, compliance requirements and how many modules are involved. Pricing is set case by case, based on modules, volume and setup. There is no vendor lock-in — the source code is available to buy. ## Contact Talk to our team about a white-label programme, a business account, a partnership or technical support. Write to hello@peanuds.com or use the contact form and we will come back to you with a tailored proposal. - Contact form: https://peanuds.com/contact - Email: hello@peanuds.com - Support: support@peanuds.com --- # Contact Peanuds Have a question about the platform, partnership opportunities, or need support? Reach the team directly at hello@peanuds.com, or use the form at https://peanuds.com/contact. ## What to contact us about - **General Inquiry** (form value: `general`) - **Banking & Accounts** (form value: `banking`) - **Cards & Payments** (form value: `cards`) - **White Label Solutions** (form value: `white-label`) - **Partnership** (form value: `partnership`) - **Technical Support** (form value: `support`) - **Other** (form value: `other`) ## Sending a request The form at https://peanuds.com/contact collects a topic, first name, last name, email address and a message (10–2000 characters). Topic and email can be pre-filled through query parameters, for example `https://peanuds.com/contact?topic=white-label&email=you@example.com`. To get a useful first reply, include: what you are building, whether you already hold a licence, the modules you need (cards, accounts, payments, crypto, onboarding), your target markets and currencies, and your expected volumes. Pricing is quoted case by case, based on modules, volume and setup. ## Direct contacts - General and commercial enquiries: hello@peanuds.com - Platform and account support: support@peanuds.com A member of the team replies to enquiries directly — there is no self-service signup, because every programme is scoped and onboarded individually. --- # Privacy Policy — Peanuds The full Privacy Policy is published at https://peanuds.com/privacy. This is a structured summary of it; the published page is the authoritative text. ## Your rights Under data protection law you can exercise the following rights, free of charge: 1. Right of access 2. Right to rectification 3. Right to erasure (right to be forgotten) 4. Right to restriction of processing 5. Right to data portability 6. Right to object 7. Right to withdraw consent 8. Right to lodge a complaint with a supervisory authority To exercise any of them, email support@peanuds.com with the subject line "Data Subject Rights Request - [Your Right]", including your full name, account details (if applicable) and which right you wish to exercise. Requests are answered within one month. ## What the policy covers - What information is collected, and when it is collected from customers and end users - How the information is used, including how email addresses are used - Whether information is shared with third parties, and which third-party services are involved - How long information is kept, and how it is protected - International data transfers, safeguards and adequacy decisions - Cookies, tracking technologies, advertising and remarketing, and how to block or disable them - Payment details, children's privacy, changes to the policy, and GDPR-specific information ## Related documents - Cookie Policy: https://peanuds.com/legal?tab=cookies - Hurrick UAB platform terms: https://peanuds.com/legal?tab=hurrick - Cookie preferences can be changed from the "Cookie Settings" control in the site footer. Contact for privacy and data protection questions: support@peanuds.com Contact for cookie questions: info@peanuds.com --- # Legal — Peanuds Peanuds legal documents. Each document is published in full on the site. - **Privacy Policy** — https://peanuds.com/privacy (also at https://peanuds.com/legal?tab=privacy) - **Cookie Policy** — https://peanuds.com/legal?tab=cookies - **Hurrick UAB platform terms** — https://peanuds.com/legal?tab=hurrick Hurrick UAB is a private limited liability company organised under the laws of the Republic of Lithuania, legal entity code 306090979, registered office Žalgirio g. 90-100, LT-09303 Vilnius, Lithuania. The company operates the Peanuds platform as a gateway to services provided by independent third-party providers and can be contacted at support@peanuds.com. Cookie preferences can be changed at any time from the "Cookie Settings" control in the site footer. For privacy and data protection requests, write to support@peanuds.com. For questions about the Cookie Policy, write to info@peanuds.com.