Reference stack

Add accounts and IBANs

Provide named accounts and IBANs to your customers through banking-as-a-service partners.

FintechsMarketplacesEuropeUK

Infrastructure layers

Accounts & IBANs

Named or virtual accounts and IBAN issuance.

ClearBankBanking
ModulrBanking
SwanBanking
GriffinBanking

Payment rails

Access to domestic and SEPA payment schemes.

Form3Payments
Banking CircleBanking

Onboarding & AML

KYB onboarding and monitoring for account holders.

SumsubKYC & Identity
ComplyAdvantageAML & Fraud

Considerations

Named versus virtual IBAN structures have different regulatory treatment.
Safeguarding and reconciliation obligations vary by partner.

Questions to ask providers

Are IBANs named to the end customer or pooled?
How are client funds safeguarded and reconciled?

This stack is a reference architecture for research. It does not guarantee regulatory compliance or licensing approval, and specific provider combinations are not universally suitable. Confirm requirements for your product with each provider and qualified advisers.