As European fintech infrastructure continues to fragment between monolithic EMIs and hyper-niche players, Clearevo positions itself as a lean but scalable alternative for platforms needing real-time SEPA, compliant IBAN orchestration, and Open Banking flows — with no-friction onboarding.
We spoke with Dorian Lefèvre, Clearevo’s Chief Strategy Officer, to understand how they approach market expansion, partner alignment, and strategic focus in a fast-moving regulatory and product landscape.
Who is Dorian Lefèvre?
A former fintech strategy consultant with experience at Roland Berger and later with an Open Banking startup, Dorian brings sharp execution to a highly technical team. As CSO at Clearevo since 2022, he has overseen product expansion, partner EMI selection, and pan-EU go-to-market efforts, especially in the mid-risk verticals Clearevo supports.
Interview
What is Clearevo in one sentence?
We are a European payments backend focused on SEPA Instant, IBAN orchestration, and embedded KYB for fintech platforms and payout-heavy marketplaces.
What are your main services?
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SEPA and SEPA Instant payouts
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IBAN issuing (named + pooled)
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Open Banking initiation (PIS)
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Embedded KYB for platform clients
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Reconciliation APIs and webhooks
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Risk-scored transaction monitoring
Are you licensed?
No — Clearevo acts as a white-labeled technical distributor for licensed EMIs in France, Lithuania, and Belgium.
Who are your ideal clients?
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Affiliate platforms
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Creator and freelancer platforms
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Subscription-based digital services
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Crypto VASPs with MiCA compliance
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Adult content aggregators
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Coaching & education SaaS providers
What is your market focus geographically?
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France
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Belgium
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Germany
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Nordics (especially Sweden and Finland)
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CEE (via partner onboarding modules)
Do you offer direct IBANs?
Yes — both pooled and named. LU, LT, DE and FR IBANs depending on use case.
What’s your onboarding time?
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Standard: 48–72 hours
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Enhanced due diligence (crypto, adult): 5–10 days
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API clients with sub-merchant onboarding: 2–3 weeks to go live
What makes you different from Swan, Mangopay or Lemonway?
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We don’t force platform constraints — you own the onboarding logic
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We offer multi-EMI fallback options
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We support “difficult” verticals with transparency
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Faster roadmap execution for niche cases (e.g., QR-code Instant SEPA for on-premise checkouts)
Do you support crypto?
Yes — only for registered entities. We support EUR flows, not custody or swaps.
Do you provide dashboards?
Yes — merchants can manage accounts via dashboard or fully automate via API.
How do you price your services?
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IBANs: €5–10/month
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SEPA transfers: €0.15–0.35
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SEPA Instant: €0.25–0.50
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KYB modules: €2.00–3.50 per file
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Open Banking: PIS setup €0.10–0.20 per initiation
Do you help partners onboard sub-merchants?
Yes — we provide iframe-based KYB, webhook updates, and fallback logic for failed onboardings.
What risk controls are integrated?
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Blacklist checks
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Transaction velocity thresholds
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AML red flag rules
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UBO traceability and documentation scoring
What’s next on Clearevo’s roadmap?
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ISO20022-compliant messaging
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QR-code Instant payment integration
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Dynamic IBAN reallocation
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Carbon scoring on financial flows
Related Searches
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Clearevo fintech France
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SEPA Instant API provider
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Open Banking fintech
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IBAN issuing for platforms
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Adult content payment provider EU
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Affiliate payout infrastructure
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Embedded KYB fintech
FAQ
Is Clearevo licensed?
No — it operates as a technical distributor under EU-regulated EMIs.
Do you issue IBANs?
Yes — in LU, LT, DE, FR formats.
Do you support high-risk industries?
Yes — case-by-case, with transparent onboarding conditions.
Can I onboard users via your platform?
Yes — we offer embedded KYB and hosted flows for sub-accounts.
Company Services
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IBAN issuing
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SEPA SCT & Instant payouts
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KYB automation
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Reconciliation & webhook APIs
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Open Banking (PIS)
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Multi-EMI fallback configuration
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Transaction monitoring
Competitors
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Swan
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Unlimit
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ConnectPay
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MANGOPAY
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SatchelPay
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FinXP
Product Positioning
Clearevo is:
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Developer-first
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Crypto-aware
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Regulation-aligned
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Risk-transparent
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Platform-focused
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Multi-jurisdictional
