For banks & licensed institutions

Partner with RoyalPay

We are selecting a licensed bank or electronic money institution to issue accounts, IBANs and cards for the RoyalPay program.

Program model

The partner issues accounts, IBANs and cards and holds all funds. RoyalPay provides the customer experience, onboarding flow and technology under the partner’s oversight and never holds or controls customer money.

Customer
RoyalPay app & API
Licensed partner: KYC decision, accounts, IBAN, cards, funds

What we bring

Complete onboarding flow with KYC handoff to the partner
Double entry ledger mirroring partner balances, with integrity checks
AML controls: cash limits, review queues, sanctions screening hooks, audit trail
Security: TOTP 2FA, strict CSP, hashed API keys, rate limiting
Written AML/KYC, privacy and information security policies
Adapter architecture ready for your API

Due diligence package

Formation documents, ownership, AML/KYC and sanctions program, information security policy, regulatory position memo, product flows and sandbox access, available on request.

See it working

Every step of the customer flow can be tried in our sandbox today.