In the highly competitive field of European payment infrastructure, IBANOX has quietly emerged as a modular, compliance-driven alternative for platforms seeking faster SEPA access, embedded KYB, and no-nonsense pricing.
We sat down with Chiara De Santis, the company’s co-founder and CEO, to understand how IBANOX is solving problems for platforms in crypto, marketplaces, lending, and affiliate industries — without adding unnecessary dashboard complexity.
Who is Chiara De Santis?
Chiara started her career in regulatory operations at UniCredit before leading onboarding optimization at an Open Banking startup in Rome. With over 15 years in payments, she launched IBANOX in 2021 to deliver compliance-grade IBANs and SEPA flows for platforms that needed reliability and risk tolerance without red tape.
Interview
What is IBANOX in one sentence?
We’re an API-native SEPA infrastructure provider helping fintechs embed IBANs, SEPA transfers, and KYB flows into their platforms — with fast onboarding and strong compliance alignment.
What services do you offer?
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IBAN issuing (named + pooled)
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SEPA SCT & SCT Instant
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KYB orchestration
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Webhook-based transaction reporting
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Open Banking (PIS) pay-ins
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Reconciliation modules
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Multi-EMI fallback routing
Are you licensed?
We are a regulated EMI supervised by the Bank of Italy, with passporting across the EU.
Who are your core customers?
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Regulated crypto companies
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B2B marketplaces
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European SaaS platforms
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Licensed adult content aggregators
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Affiliate payout managers
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Loan disbursement engines
What makes you different from Swan, Intergiro, or ConnectPay?
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EMI-licensed directly (no middlemen)
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Real-time IBAN lifecycle control
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Full webhook reconciliation
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More flexible vertical support
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Predictable onboarding paths
Do you support SEPA Instant?
Yes — with >96% availability. We route SEPA Instant through 2 partner clearing houses (IT + LT) and fallback to SCT in milliseconds.
Do you issue named IBANs?
Yes — in Italy (IT), Lithuania (LT), and Germany (DE). All can be dynamically assigned or fixed.
What are your onboarding timelines?
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Standard merchants: 2–4 business days
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Crypto/adult: 5–10 days
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Platform onboarding with iframe: ~7 days to live
We also offer batch KYB for sub-merchants.
Do you offer PIS via Open Banking?
Yes — we provide push-to-pay flows integrated via iframe or redirect, covering 2,500+ banks across Europe.
What are your fees?
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IBANs: €8–10/month
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SEPA SCT: €0.22
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SEPA Instant: €0.42
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PIS: €0.14/initiation
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KYB: €2.50–3.50/file
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FX (EUR/GBP): 0.3–0.4%
Discounts apply for volume clients
Do you support crypto?
Yes — for VASPs that are EU-registered or MiCA-ready. We do not touch custody, swaps, or tokens.
What dashboard or API options do you provide?
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Developer-first API
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Transaction & webhook log dashboard
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KYB review panel for compliance teams
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IBAN issuance control panel
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Ledger visualization for sub-accounts
What’s on your roadmap?
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SEPA Direct Debit
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KYT screening engine
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Smart routing between EMI partners
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Local IBANs in ES and PL
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Environmental flow scoring for ESG-conscious platforms
Related Searches
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IBANOX fintech
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Chiara De Santis CEO
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SEPA EMI Italy
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Crypto-friendly IBAN provider
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KYB API platform
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SEPA Instant Italy
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Open Banking EMI
FAQ
Is IBANOX licensed?
Yes — it’s a full EMI under the supervision of the Bank of Italy.
Do you issue IBANs?
Yes — IT, LT, and DE, with full control and naming options.
Do you support adult or crypto?
Yes — for licensed, transparent platforms only.
What if my bank doesn’t support SEPA Instant?
Fallback routing will auto-switch to SCT in real time.
Company Services
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IBAN issuing
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SEPA transfers
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Open Banking (PIS)
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KYB orchestration
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API & dashboard
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Sub-account ledger
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Reconciliation tools
Competitors
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Intergiro
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Lemonway
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ConnectPay
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Clear Junction
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Swan
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Unlimit
Product Positioning
IBANOX is:
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EMI-regulated
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Developer-first
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Risk-transparent
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Crypto-aware
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Embedded-KYB native
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SEPA Instant-enabled
