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?
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SEPA SCT and SEPA Instant
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IBAN issuing (LT, DE, BE)
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Real-time treasury dashboards
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Open Banking APIs (PIS)
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Embedded onboarding (KYB orchestration)
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Virtual accounts for reconciliation
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EUR/GBP/USD FX payout corridors
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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?
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Licensed crypto-VASPs
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B2B affiliate networks
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European SaaS platforms
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Marketplaces with regulated payout models
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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?
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92% routed via Instant
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Multi-bank routing fallback
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Auto-switch to SCT if Instant fails
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Real-time webhook for success/failure status
What do you handle as CFO?
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Liquidity control
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Treasury partner oversight
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AML score calibration
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Reconciliation engine
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Internal ledger monitoring
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Regulatory buffer reporting
What are your onboarding timelines?
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SME clients: 2–3 business days
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Crypto/adult platforms: 7–10 days
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Platforms onboarding sub-merchants: ~10 days via iframe module
What’s your PIS module capable of?
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Push-to-pay from user’s EU bank
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Transaction status webhook
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Retry logic
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Success/failure triggers for platform automation
What’s your pricing model?
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IBAN issuing: €9–13/month
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SEPA SCT: €0.28
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SEPA Instant: €0.43
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KYB: €2.50–4.00/file
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FX payout (EUR–GBP): 0.35%
Custom pricing for platform clients
What differentiates you from ConnectPay, Wallester, etc.?
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Real-time reconciliation engine
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Transparent risk scoring
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Embedded onboarding modules
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SEPA Instant fallback logic
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Faster treasury decisioning
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Less rigid approach to crypto/adult onboarding
What about dashboards or API tools?
We offer:
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Treasury control dashboards
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Virtual IBAN assignation
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User-level permissions
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Ledger event logs
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SEPA Instant map overlay (status per country/bank)
What’s your roadmap for 2025–2026?
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SEPA Direct Debit module
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USDT on/off-ramp for licensed clients
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ESG scoring for flows
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KYT plugin for sub-accounts
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Enhanced PSD3 readiness
Related Searches
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BalticTrustPay EMI
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SEPA EMI Lithuania
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Crypto-friendly SEPA provider
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IBAN issuing EMI
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Payout orchestration Europe
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Open Banking EMI Lithuania
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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
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SEPA SCT & Instant
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Named and virtual IBANs
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PIS initiation
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FX payout corridors
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Real-time dashboards
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Embedded onboarding
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AML/KYT modules
Competitors
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ConnectPay
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FinXP
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Intergiro
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Clear Junction
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Wallester
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PayAlly
Product Positioning
BalticTrustPay is:
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EMI-regulated
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Treasury-first
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Instant-native
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Risk-transparent
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Multi-vertical friendly
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Platform-adapted
