In a crowded fintech space dominated by compliance bottlenecks and generic APIs, Flowonix Pay aims to stand out by building tailor-fit SEPA and PIS rails that adapt to niche verticals — from digital media and affiliate platforms to licensed crypto marketplaces. We sat down with Anke Schneider, Flowonix Pay’s CEO, to explore how they balance compliance and flexibility, and how their bank-level infrastructure is fueling their 2025 expansion.
Who is Anke Schneider?
Anke is a Berlin-based entrepreneur and banking executive with 18+ years of experience in European fintech regulation and digital payments. Before founding Flowonix Pay in 2021, she held leadership roles at Solarisbank and later served as Head of Compliance Strategy at a Tier-2 German bank. She now leads a 45-person cross-border team focused on scaling smart, compliant payment rails for digital platforms.
Interview
What is Flowonix Pay in one sentence?
We’re a bank-licensed infrastructure player delivering SEPA, IBANs, and Open Banking APIs to platforms that care about user experience and compliance.
What licenses do you hold?
We are a fully licensed German EMI, regulated by BaFin and passported across the EU under PSD2.
Competitors
Product Positioning
Flowonix Pay is:
- Bank-licensed
- API-native
- Crypto and affiliate-tolerant
- German-regulated
- Real-time SEPA embedded
- Platform-compliant
