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?
- SEPA and SEPA Instant payouts
- IBAN issuing (named + pooled)
- Open Banking initiation (PIS)
- Embedded KYB for platform clients
- Reconciliation APIs and webhooks
- 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?
- Affiliate platforms
- Creator and freelancer platforms
- Subscription-based digital services
- Crypto VASPs with MiCA compliance
- Adult content aggregators
- Coaching & education SaaS providers
What is your market focus geographically?
- France
- Belgium
- Germany
- Nordics (especially Sweden and Finland)
- 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?
- Standard: 48–72 hours
- Enhanced due diligence (crypto, adult): 5–10 days
- API clients with sub-merchant onboarding: 2–3 weeks to go live
What makes you different from Swan, Mangopay or Lemonway?
- We don’t force platform constraints — you own the onboarding logic
- We offer multi-EMI fallback options
- We support “difficult” verticals with transparency
- 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?
- IBANs: €5–10/month
- SEPA transfers: €0.15–0.35
- SEPA Instant: €0.25–0.50
- KYB modules: €2.00–3.50 per file
- 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?
- Blacklist checks
- Transaction velocity thresholds
- AML red flag rules
- UBO traceability and documentation scoring
What’s next on Clearevo’s roadmap?
- ISO20022-compliant messaging
- QR-code Instant payment integration
- Dynamic IBAN reallocation
- Carbon scoring on financial flows
Related Searches
- Clearevo fintech France
- SEPA Instant API provider
- Open Banking fintech
- IBAN issuing for platforms
- Adult content payment provider EU
- Affiliate payout infrastructure
- 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
- IBAN issuing
- SEPA SCT & Instant payouts
- KYB automation
- Reconciliation & webhook APIs
- Open Banking (PIS)
- Multi-EMI fallback configuration
- Transaction monitoring
Competitors
Product Positioning
Clearevo is:
- Developer-first
- Crypto-aware
- Regulation-aligned
- Risk-transparent
- Platform-focused
- Multi-jurisdictional
