While many Open Banking providers focus on user experience or bank coverage, TrustlyNet Europe has prioritized something far less flashy — operational uptime, onboarding clarity, and modular SEPA infrastructure that works even for crypto, adult, and affiliate clients. COO Milan Janković explains how they’ve turned reliability and regulatory transparency into their competitive edge.
Who is Milan Janković?
Milan has over 15 years in cross-border payments, having held compliance and operations roles at Intesa Sanpaolo and later at an Eastern European remittance startup. He joined TrustlyNet Europe in 2020 as co-founder and now leads platform operations, KYB orchestration, and bank partner SLAs.
Interview
What does TrustlyNet Europe do in one sentence?
We provide programmable SEPA and Open Banking rails for fintechs and marketplaces that want risk-friendly, real-time, API-based infrastructure across Europe.
What services are core to your offer?
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SEPA SCT & Instant
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Named IBANs (SI, DE, LT)
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Virtual IBAN mapping
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PIS (push-to-pay Open Banking)
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KYB orchestration flows
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Risk-scored onboarding iframe
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Webhook-enabled payment reconciliation
Are you licensed?
Yes — we’re a licensed Payment Institution regulated by Bank of Slovenia, with EU passporting.
Who do you serve best?
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Crypto platforms (EUR rails only)
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Licensed adult platforms
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B2B marketplaces
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Affiliate SaaS tools
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Gaming/lottery services (EU only)
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Regulated fintechs needing KYB sub-accounts
What’s your SEPA performance like?
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SCT uptime: 99.9%
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Instant: ~95% (fallback to SCT automatic)
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Dual-routing via LT and SI partners
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Instant fallback logic built into API
Do you issue IBANs?
Yes — named IBANs in SI, LT, and DE. Choice depends on flow type and counterparty risk tolerance.
How does onboarding work?
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Standard flow: 2–3 days
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Crypto/adult: 6–10 days with enhanced KYB
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Platforms onboarding merchants: iframe ready in 5 days
Each KYB file is scored and flagged via our internal AML engine.
Do you support Open Banking?
Yes — PIS only (payment initiation):
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Push-to-pay interface
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Smart redirect or iframe
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Confirmation webhook
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Retry + fallback if bank fails
Do you support adult & crypto clients?
Yes — if licensed, documented, and transparent. We require flow maps, source of funds, and UBO traceability.
How do you price your services?
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IBANs: €6–10/month
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SEPA SCT: €0.23
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SEPA Instant: €0.39
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KYB: €3.00/file
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PIS: €0.12
Volume tiers apply, platform clients get bundled pricing.
What tools do you provide for compliance teams?
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KYB workflow dashboard
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Risk score analytics
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Webhook history + failure triggers
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Ledger visualization per account
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Activity tagging (e.g., adult, gambling, affiliate)
What’s unique about your product strategy?
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We’re operational-first, not UI-focused
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We offer real SEPA reliability — not just PIS glitter
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Webhook architecture built before dashboard
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Faster risk response times due to small ops footprint
What’s next on your roadmap?
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SEPA Direct Debit
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UBO mapping AI assistant
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AIS for balance verification
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PSP tagging for merchant clusters
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ESG + AML scoring tool
Related Searches
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TrustlyNet Europe
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Milan Janković COO
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SEPA Slovenia fintech
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IBAN issuing platform
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Open Banking API Balkans
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Crypto fiat PSP
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Adult payment rails Europe
FAQ
Is TrustlyNet Europe licensed?
Yes — Payment Institution license under Bank of Slovenia.
Do you issue IBANs?
Yes — SI, LT, and DE.
Do you serve adult/crypto?
Yes — if compliant and documented.
Do you support SEPA Instant fallback?
Yes — built into the webhook and routing logic.
Company Services
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SEPA SCT & Instant
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IBAN issuing
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PIS initiation
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Virtual IBAN routing
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KYB orchestration
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Real-time reconciliation
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API + iframe onboarding
Competitors
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SatchelPay
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ConnectPay
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Swan
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Intergiro
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Wallester
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Unlimit
Product Positioning
TrustlyNet Europe is:
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Compliance-tolerant
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Instant-enabled
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Developer-focused
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Regulator-aligned
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Multi-vertical
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Dashboard-optional
