Codego

Codego is a fintech infrastructure company founded in 2020 and headquartered in Milan, Italy. With over 12 years of combined expertise in programming, finance, core banking, and authentication systems, Codego operates as a licensed electronic money institution offering white-label banking infrastructure, card issuing, Banking as a Service (BaaS), and crypto card solutions to fintech companies, financial institutions, and enterprises across more than 79 countries.

The company operates as a group of legally separate entities sharing the Codego name, with physical offices in 12 countries including Italy, Czech Republic, Egypt, and Latvia (in licensing process). Codego holds multi-jurisdictional licenses for e-money, payment services, and virtual asset management and exchange across Bulgaria, Italy, Belgium, Spain, Portugal, Czech Republic, Ireland, and the United States. As of 2025, Codego has activated over 366,000 cards, processed more than $1.1 billion in payments, and completed 59 white-label core banking deployments.

Core Products/Services

Codego's flagship offering is its white-label card and banking platform, which enables B2B clients to launch branded financial products within days. Key solutions include:

• White Label Card Platform – Self-service setup for branded prepaid/debit cards with virtual IBAN, SEPA/SWIFT, Apple Pay/Google Pay, and custom card design in under 5 minutes
• Banking as a Service (BaaS) – Full white-label digital banking infrastructure including virtual IBAN issuance, SEPA payments across 33 countries, multi-currency support, and API-first architecture
• Core Banking Platform – Complete digital banking solution with multi-currency account management, transaction monitoring, KYC/AML liveness verification, and suspicious activity alerts
• Card Issuing (CaaS) – Virtual and physical card issuance (plastic, metal, wood, transparent) with card processor functionality and BIN sponsorship
• Crypto Card Platform – White-label crypto card solution supporting 500+ cryptocurrencies, enabling digital assets to connect to real-world spending via branded debit/prepaid cards
• KYC/AML Platform – AI biometric identity verification platform covering 220+ countries with pay-per-use API pricing for fintech and crypto compliance

Key Strengths

Codego differentiates through its integrated technology stack that combines card processing, core banking, KYC/AML, and crypto capabilities under a single white-label umbrella. The platform supports rapid deployment — clients can launch a branded banking platform in as little as 2 weeks without requiring their own license, operating as Codego agents. The company maintains more than 35 redundant service providers including card processors, issuer services, banks, and SEPA gateways, ensuring high availability and resilience.

Crypto integration is a notable strength: Codego's mobile application supports 12+ fiat currencies and 500+ cryptocurrencies, and the company is licensed for virtual asset management and exchange services, positioning it as a bridge between traditional fintech and the Web3 economy.

Notable Clients/Projects

Codego serves 255 completed projects with 560,551 active users spanning 79 countries. The company's 59 white-label core banking implementations demonstrate a strong track record in deploying end-to-end financial infrastructure for third-party brands and fintech platforms.

Why Choose Codego

Codego offers a comprehensive, multi-licensed fintech infrastructure platform with crypto-native capabilities. Clients benefit from rapid go-to-market timelines, no requirement for separate licensing, multi-jurisdictional regulatory coverage, and an API-first architecture that integrates seamlessly with existing platforms. The combination of traditional banking infrastructure (SEPA, SWIFT, IBAN) with crypto support (500+ coins, virtual asset licenses) makes Codego uniquely positioned to serve both traditional fintech clients and Web3-focused businesses.