The company
Royal Payment Solutions is the company behind RoyalPay, the financial app for people who live, work and spend across borders.
The idea started in January 2025 with a simple observation: people who live, work or sell across borders still lose money and time on every currency switch, and they rarely see what they pay for it. We spent the following year and a half on research, design and a working prototype, and formalised the company in 2026.
Our model is simple: customer money belongs with licensed institutions, and the experience belongs to us. We put our energy into what people touch every day: a fast app, fair prices, instant control and answers from real people, in English, Polish and Czech. Our motto is “Cash is King” because control over your own money is what RoyalPay is for.
What we stand for
Four principles we use when a decision is not obvious.
- Licensed rails only
- We never hold customer money. If a feature would need a licence we do not have, it waits for the partner who does.
- Plain truth
- Clear prices, clear status, clear answers. Nothing on our sites claims more than we can show.
- Security first
- A feature ships when it is safe, not when it is ready to demo.
- Small and accountable
- Every function has a named owner. Decisions are written down and can be explained later.
Management structure
A small structure on purpose. Every function has an owner, and work that needs outside expertise goes to people who do it every day.
Managing member
Strategy, governance and signing authority. Approves policies and partner agreements.
Held by the managing member
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Product and technology
Product design, engineering, infrastructure and information security.
Held by the managing member
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Compliance (BSA/AML officer)
Owns the AML, KYC and sanctions programme, the risk assessment, training and reporting.
Held by the managing member
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Partnerships and finance
Relations with issuing partners, budgeting, bookkeeping and reporting.
Held by the managing member
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Legal and regulatory counsel
Independent counsel in the relevant jurisdiction, engaged per matter.
External, engaged per matter
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Specialist advisers
AML, security, card schemes, tax and risk, consulted as questions arise.
External, engaged per matter
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Customer operations
Support, complaints handling and first-line monitoring. To be staffed before launch.
Planned before launch
- Held by the managing member
- External, engaged per matter
- Planned before launch
As the team grows, the compliance function will be separated from the product and partnership roles, so that no one reviews their own work.
Timeline
Everything before September 2026 was the project phase, before the company’s governing documents were adopted.
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January 2025
Project phase
Project started. First research into how people who live and work across borders pay, save and exchange money.
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March 2025
Project phase
Conversations with freelancers, students and small business owners in Poland, Czechia and Germany about what their banks get wrong.
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May 2025
Project phase
Market and regulatory research: account and card programmes in the EU, the UK and the US, and the licensing models behind them.
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August 2025
Project phase
Product principles fixed: no custody of customer money, three languages from the first release, every fee shown before payment.
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November 2025
Project phase
First working prototype: onboarding, accounts and a double-entry ledger.
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February 2026
Project phase
Multi-currency balances, virtual cards and the developer API added to the prototype.
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May 2026
Project phase
Security hardening: two-factor login, strict content security policy and a full audit trail. First consultations with outside specialists in AML and data protection.
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July 2026
Project phase
The RoyalPay brand and the getroyalpay.com and royalpaymentsolutions.com domains secured.
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27 September 2026
Royal Payment Solutions, LLC
Operating agreement and organisational resolutions of Royal Payment Solutions, LLC (New Mexico) adopted.
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September 2026
Royal Payment Solutions, LLC
AML, BSA and KYC compliance programme adopted, with a designated compliance officer. Privacy policy and terms of service written.
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October 2026
Royal Payment Solutions, LLC
RoyalPay sandbox opened to the public, and the demo environment connected to a partner sandbox for accounts, cards and transfers.
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October 2026
Royal Payment Solutions, LLC
KYC policy published. Own screening against the official OFAC, EU, UK and UN sanctions lists and a support desk with written answers went live.
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October 2026
Royal Payment Solutions, LLC
New brand identity, and the redesigned RoyalPay and company websites launched.
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Late 2026
Planned
Selection of the licensed issuing partner and the identity verification provider. Independent legal review of the programme.
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First half of 2027
Planned
Controlled launch with a limited group of customers, under the partner’s oversight and agreed limits.
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July 2027
Planned
Programme aligned with the EU Anti-Money Laundering Regulation (EU) 2024/1624, which applies from 10 July 2027.
Specialists from around the world
Great companies know where their own knowledge ends. On regulation, compliance, security and finance we work with independent specialists in many countries, chosen for the question and the jurisdiction at hand, so every important decision is backed by people who do this every day.
- Payments and e-money regulation
- Licensing models, safeguarding and outsourcing rules in the EU, the UK and the US.
- AML, KYC and sanctions
- Risk assessment, customer due diligence, screening and reporting duties.
- Data protection
- GDPR, UK GDPR and US state privacy laws, data transfers and retention.
- Information security
- Application security reviews, infrastructure hardening and incident response.
- Card schemes and issuing
- Card programme design, scheme rules and PCI DSS scope.
- Tax and accounting
- Cross-border tax questions, US filings and bookkeeping.
- Fraud and risk
- Transaction monitoring rules, fraud patterns and limits.
- Accessibility and product design
- Accessible interfaces in several languages, clear pricing and disclosures.
Specialists are engaged per matter under confidentiality. They do not act for the company or speak on its behalf, and we name them only with their written consent.
Company facts
- Legal entity
- Royal Payment Solutions, LLC. Limited liability company organized under the laws of New Mexico, USA.
- Governing documents
- Operating agreement and organisational consent dated 27 September 2026
- Management
- Manager-managed by its sole member, who is also the designated BSA/AML compliance officer
- Registered agent
- Corporate Service Center, Inc., 6300 Riverside Plaza Ln. NW, Ste 100, Albuquerque, NM 87120, USA
- Mailing address
- 3044 Breckenridge Ln, Ste 102, Louisville, KY 40220, USA
- Place of business
- Online only, with no physical premises or branches