# 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.