Next generation banking infrastructure for Fintechs and Financial Services
They pay and finance in real-time via our API-first infrastructure
Billions of euros in transactions processed every month via API by fintech leaders
As a French credit institution regulated by The Banque de France, Memo Bank provides the API infrastructure and client accounts required to automate your transactions, segregate funds held on behalf of third parties, and help you structure your financial arrangements.
Lending: Automate credit granting and refinancing
Instant credit disbursement
Your customers won't wait. Use our API to trigger fund transfers via Instant SEPA Credit Transfer (SCT Inst). The delay between request and funding is no longer measured in days, but in seconds.
Structure your refinancing vehicles
For financing players (e.g., finance companies, asset management companies, etc.), access to liquidity is key. We open and manage the client accounts required for your complex financial structures (securitization vehicles, trusts, etc.): dedicated liquidity accounts, specially dedicated accounts, etc.
Case Study: Defacto scales its short-term financing
Payments & EMIs: Segregate and manage your clients' funds
Client accounts
For Payment Institutions (PI) or Electronic Money Institutions (EMI), we open your client accounts and give full visibility on balance movement for all stakeholders, ensuring seamless compliance with internal or external parties (ACPR, statutory auditors, etc.).
Managing high volume of transactions
Financial intermediaries, PIs, EMIs, or cashback platforms: manage very large transaction volumes without friction. Our API manages single and bulk incoming and outgoing payments (instant transfers, payment collection processed at D+1) with automatic reconciliation via virtual IBANs, additional current accounts, and webhooks.
Case Study: WeWard automates prize pool payouts via API
To manage thousands of micro bank transfers to its 25 million users, WeWard integrated Memo Bank’s API. Outcome: end-to-end payment automation, simplified KYC, and improved customer experience.
Stablecoin issuers: manage the fiat side of your reserves under MiCA
Fiat money
Memo Bank holds euro accounts for stablecoin issuers and crypto-asset service providers (CASPs). We do not hold crypto-assets and do not operate on the blockchain: our role covers fiat money only, meaning the funds received when tokens are issued and those paid out when they are redeemed.
Dedicated accounts for your reserve deposits
MiCA requires issuers of e-money tokens (EMTs) to deposit part of their reserve with credit institutions, in separate accounts. Memo Bank opens these safeguarding accounts, kept apart from your own cash, and can give your auditors and statutory auditors read-only access to transactions.
Issuance and redemption: automate fiat flows by API
When tokens are minted and burned, the funds collected by transfer or direct debit flow through your Memo Bank accounts. A virtual IBAN per customer identifies each incoming payment, and a webhook notifies your system to trigger token issuance. For redemptions, you send the transfer by API, either as an instant transfer or a T2 transfer. The link between these flows and your tokens stays in your systems.
Employee Benefits: Manage your accounts and transactions flows
Earn interest on entrusted funds
For meal voucher issuers, our solutions handle the regulatory complexity of the French Labor Code. Your funds are held in dedicated accounts, with precise access control for your teams, accountants, and the National Commission for Meal Vouchers (CNTR).
Seamless collection and payout
Streamline the value chain: recover your receivables within 24 hours via SEPA Direct Debit and pay out funds to affiliates (restaurants, merchants) via instant transfer, all managed via a versatile API.
Case Study: Ekip reduced its SEPA direct debit delays to 24-48 hours
Ekip uses Memo Bank’s API to automate and process all its transactions, from payment detection to precise fund allocation (employer/employee shares). This centralized infrastructure manages the regulatory escrow account and automatically triggers outgoing transfers, eliminating manual intervention.
An award-winning, modern, and documented API for payments and collections
No obscure XML files, no legacy FTP protocols. Your developers integrate our JSON REST API into your product stack in just a few days. Versatile, scalable, idempotent, and well-documented, it includes a sandbox, a 99.9% SLA, and real-time webhooks.
Optimize your EUR, USD and GBP surplus cash
Don’t lock up your surplus cash to earn high yields. Put your excess cash to work via our instant access savings account or our range of treasury investment funds (Amundi STAR funds, money market funds), with liquidity accessible within 24 hours.
