White Label Banking & Virtual IBAN Platform

White Label Banking & Virtual IBAN Platform

Codego's suite of white-label banking infrastructure products enables fintech companies and digital banks to offer full European banking services under their own brand — with no separate financial license required. The platform covers everything from core banking technology to virtual IBAN issuance, multi-currency accounts, and payment rails.

Banking as a Service (BaaS)

Codego's BaaS platform provides API-first white-label digital banking infrastructure, giving businesses instant access to European local IBAN issuance, SEPA and SEPA Instant payments across 33 countries, SWIFT international transfers, and multi-IBAN account structures. Clients can serve all nationalities — individuals and businesses — and generate revenue from account opening fees, monthly payments, and transaction charges. The platform deploys in approximately 2 weeks, with clients operating as Codego agents under its existing regulatory licenses.

Core Banking Platform

Built on 12 years of fintech and crypto expertise, Codego's Core Banking Platform provides the complete technology stack for launching digital banking services: multi-currency account management, virtual IBAN generation, card issuing and lifecycle management, instant SEPA transfers, SWIFT payment onboarding, built-in KYC/AML liveness verification, transaction monitoring, and daily risk rating analysis. The platform has powered 59 white-label implementations, processing $1.1B in payments and activating 366K cards.

Corporate Virtual IBANs

Codego's Corporate vIBANs product provides European virtual IBAN infrastructure for businesses that need to offer multi-currency bank accounts to their corporate clients. It includes SWIFT and instant SEPA capabilities, KYB/AML liveness verification for corporate onboarding, transaction monitoring, and a fully customizable white-label architecture — supporting treasury management, international payments, and corporate card issuance tied to IBAN accounts.

Regulatory Coverage

Licensed across Bulgaria, Belgium, Italy, Spain, Portugal, Czech Republic, and Ireland for e-money and payment services. Virtual asset management and exchange licenses held from Bulgaria's Ministry of Finance.