BridgeVolt Payments is positioning itself as a compliant-first European EMI serving fast-moving fintech platforms, digital asset projects, and global B2B SaaS businesses. We spoke to Jelena Kovac, CCO of BridgeVolt, about regulatory challenges, balancing innovation and governance, and building a payments company that’s both fast and audit-proof.
Who is Jelena Kovac?
Jelena is a compliance executive with over 14 years of experience in AML, transaction monitoring, and cross-border licensing. Prior to joining BridgeVolt, she worked as Compliance Lead at Addiko Bank and later as MLRO at a pan-European EMI. At BridgeVolt, she oversees the full compliance and risk framework, including regulatory audits, onboarding protocols, and fraud prevention strategies.
Interview
What is BridgeVolt Payments in one sentence?
We are a licensed EMI offering robust SEPA and Open Banking infrastructure for platforms, with embedded compliance at the core.
What licenses do you hold?
We are an EMI licensed by Banka Slovenije with full EEA passporting and PIS/AIS registration.
What services do you provide?
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Named IBANs (SI and LT formats)
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SEPA Credit Transfer and SEPA Instant
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Open Banking APIs (PIS + AIS)
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White-labeled onboarding modules (KYB, KYC)
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Card issuing (BIN-sponsored)
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Virtual account mapping
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Compliance toolkits for partners
Who are your clients?
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Fintechs launching B2B wallets
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Crypto exchanges needing fiat rails
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SaaS platforms managing user payouts
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Affiliate and performance marketing platforms
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Regulated adult content marketplaces
What sets BridgeVolt apart in compliance?
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Real-time transaction monitoring
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Advanced UBO and sanctions tools
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Partner-level compliance dashboards
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Shared audit logs with our clients
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Instant red flag scoring on unusual flows
How do you onboard high-risk clients?
We follow a strict documentation and justification framework:
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Corporate documents
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UBO structure with proof
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Flow mapping & transaction logic
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EU licensing or registration (if crypto/adult)
We don’t reject by default — we risk-rate and decide.
What’s your SEPA Instant coverage?
95% of our merchant volume flows through SEPA Instant, with automated fallback to standard SCT.
How do you support partners offering wallets or payouts?
We issue virtual IBANs with unique mapping references. Partners can connect via API to automate reconciliation and user balances.
Are your APIs PSD2-compliant?
Yes. Our PIS and AIS modules meet RTS standards and are whitelisted across major EU banks.
How fast is onboarding?
Low-risk: 48–72h
Mid-risk: 5–7 working days
High-risk (crypto, adult): up to 10 working days
Do you provide shared compliance tooling to clients?
Yes — our B2B clients get access to a compliance dashboard where they can flag transactions, freeze IBANs, and download red flag reports.
Do you block payments based on MCCs or geolocation?
Only for sanctioned territories or blocked industries (gambling without license, mixers, shell firms). Others are case-by-case.
Do you issue cards?
Yes — via our BIN sponsor. Virtual cards for user wallets, physical corporate cards for platforms.
Do you support crypto?
Yes — if registered and flows are bank-to-bank. No direct on-chain/off-chain within our EMI. We support fiat operations only.
How do you handle fraud?
Layered scoring:
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Velocity & behavioral analytics
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Sanctions & PEP screenings
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Device fingerprinting
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User-level lockouts and triggers
What’s coming on your roadmap?
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Dynamic risk scoring per user account
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KYB refresh automation for platforms
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Web3-friendly KYT screening plug-in
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ISO20022 native migration
Related Searches
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CCO interview BridgeVolt
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EMI Slovenia
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SEPA for adult and crypto
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Open Banking APIs Slovenia
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High-risk payment onboarding
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EU EMI with card issuing
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Digital wallet EMI licensing
FAQ
Is BridgeVolt a licensed EMI?
Yes — licensed in Slovenia with passporting across the EU.
Do you offer IBANs and SEPA Instant?
Yes — both pooled and named IBANs, with 95% SEPA Instant coverage.
Do you accept crypto clients?
Yes — if registered and with fiat-only flows. No anonymous or hybrid swaps.
Is onboarding automatic?
Partly — for low-risk verticals. High-risk flows go through enhanced KYB.
Company Services
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EMI-licensed banking infrastructure
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Named IBANs
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SEPA Credit and Instant
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Open Banking PIS / AIS
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Partner compliance dashboard
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BIN-sponsored cards
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Sanctions and red flag tooling
Competitors
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Clear Junction
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Intergiro
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SatchelPay
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Wallester
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Unlimit
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ConnectPay
Product Positioning
BridgeVolt is:
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Compliance-first
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Crypto-tolerant
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API-enabled
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KYB/KYT integrated
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Audit-proof
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Modular for platforms
