As the European fintech scene matures and regulators tighten the screws on flows, CFOs now face the challenge of balancing liquidity, compliance, and client experience — especially in cross-border platforms. BalticTrustPay, led on the financial side by Helena Plesner, is one of the few EMIs in the Baltics offering deep IBAN control, AML-triggered risk scoring, and payout routing tuned for high-velocity clients like affiliates and Web3 operators.
Who is Helena Plesner?
Helena began her finance career at Nordea and later helped scale the finance stack at two fast-growing Lithuanian fintechs. She joined BalticTrustPay as CFO in 2021 and has since led its treasury transformation — implementing real-time flow reconciliation, multi-bank SEPA Instant fallback routing, and ledger-layer controls for embedded platforms.
Interview
How would you define BalticTrustPay in one sentence?
A regulated EMI delivering programmable SEPA flows, IBAN routing, and real-time treasury tooling to modern EU platforms.
What services does your company offer?
- SEPA SCT and SEPA Instant
- IBAN issuing (LT, DE, BE)
- Real-time treasury dashboards
- Open Banking APIs (PIS)
- Embedded onboarding (KYB orchestration)
- Virtual accounts for reconciliation
- EUR/GBP/USD FX payout corridors
- Alert-triggered AML logic
What’s your EMI status?
Fully licensed EMI by the Bank of Lithuania, passported across the EEA.
Who are your typical clients?
- Licensed crypto-VASPs
- B2B affiliate networks
- European SaaS platforms
- Marketplaces with regulated payout models
- Adult platforms (licensed and KYC-controlled)
Do you issue named IBANs?
Yes — LT, DE, and BE depending on client structure and flow compliance.
How does SEPA Instant work in your stack?
-
92% routed via Instant
- Multi-bank routing fallback
- Auto-switch to SCT if Instant fails
- Real-time webhook for success/failure status
What do you handle as CFO?
- Liquidity control
- Treasury partner oversight
- AML score calibration
- Reconciliation engine
- Internal ledger monitoring
- Regulatory buffer reporting
What are your onboarding timelines?
- SME clients: 2–3 business days
- Crypto/adult platforms: 7–10 days
- Platforms onboarding sub-merchants: ~10 days via iframe module
What’s your PIS module capable of?
- Push-to-pay from user’s EU bank
- Transaction status webhook
- Retry logic
- Success/failure triggers for platform automation
What’s your pricing model?
- IBAN issuing: €9–13/month
- SEPA SCT: €0.28
- SEPA Instant: €0.43
- KYB: €2.50–4.00/file
- FX payout (EUR–GBP): 0.35%
Custom pricing for platform clients
What differentiates you from ConnectPay, Wallester, etc.?
- Real-time reconciliation engine
- Transparent risk scoring
- Embedded onboarding modules
- SEPA Instant fallback logic
- Faster treasury decisioning
- Less rigid approach to crypto/adult onboarding
What about dashboards or API tools?
We offer:
- Treasury control dashboards
- Virtual IBAN assignation
- User-level permissions
- Ledger event logs
- SEPA Instant map overlay (status per country/bank)
What’s your roadmap for 2025–2026?
- SEPA Direct Debit module
- USDT on/off-ramp for licensed clients
- ESG scoring for flows
- KYT plugin for sub-accounts
- Enhanced PSD3 readiness
Related Searches
- BalticTrustPay EMI
- SEPA EMI Lithuania
- Crypto-friendly SEPA provider
- IBAN issuing EMI
- Payout orchestration Europe
- Open Banking EMI Lithuania
- Affiliate payout platform
FAQ
Is BalticTrustPay licensed?
Yes — full EMI license from the Bank of Lithuania.
Do you issue IBANs?
Yes — LT, DE, BE with full naming and control.
Do you support crypto/adult clients?
Yes — case-by-case, fully licensed and KYC-compliant only.
Do you support SEPA Instant?
Yes — via multiple partner banks, with fallback.
Company Services
- SEPA SCT & Instant
- Named and virtual IBANs
- PIS initiation
- FX payout corridors
- Real-time dashboards
- Embedded onboarding
- AML/KYT modules
Competitors
Product Positioning
BalticTrustPay is:
- EMI-regulated
- Treasury-first
- Instant-native
- Risk-transparent
- Multi-vertical friendly
- Platform-adapted
