About Finapivity
Payment infrastructure, built alongside the rulebook.
We are a Cyprus-based team building the platform that Electronic Money Institutions, Payment Institutions and banks rely on for SEPA, SWIFT and the compliance workflows that sit around them.
Our mission
Make launching a regulated payment product feel like a product decision, not a two-year project.
Most of the complexity in payments is not the money movement. It is the integrations, the certifications, the rulebooks and the compliance overhead that accumulate on top. Finapivity consolidates that into a single platform, so your team can focus on the product your customers actually see.
Principles
How we build, in four lines.
Regulation is a feature.
Our platform is designed alongside the rulebook, not retrofitted to it. PSD2, AML, sanctions and CESOP workflows are part of the product, so passing an audit never requires a migration project.
Own the whole stack.
We build, run and support the platform end to end. No outsourced support chains, no reseller agreements, no accountability shuffled between vendors when you need an answer.
One platform, one contract.
You should not need five vendors to move a euro. SEPA, SWIFT, Verification of Payee and the compliance workflows around them belong on one integration, one invoice, one accountable partner.
Boring beats broken.
Payment infrastructure is not the place for hype-cycle architecture. We favour the patterns that hold up under audit, under load, and at three in the morning when an operator needs them to.
Trajectory
From first rail to an operational platform.
- Founded
Finapivity was founded in Cyprus to simplify the infrastructure that sits beneath regulated payments.
- Platform
Launched the Finapivity Payment Hub, a unified back-office for managing payments, accounts, transfers and approvals across multiple rails.
- Rails
Onboarded SEPA SCT, SCT Instant, SDD and SWIFT, all through a single, versioned integration.
- Compliance
Rolled out Verification of Payee, CESOP reporting and partner integrations for AML and sanctions screening.
- Today
Partnering with Electronic Money Institutions, Payment Institutions and banks across Europe to launch regulated payment products.
Advisory
Beyond the platform, the expertise to use it.
Shipping a regulated payment product is as much about the paperwork and the regulator as the rails themselves. We take institutions through both.
PSD2 advisory
Advisory for Electronic Money Institutions and Payment Institutions on matters arising from the European Payment Services Directives, from scoping through to operational posture.
EMI and PI licensing
We undertake and oversee the full process of applying for an Electronic Money Institution or Payment Institution licence with the Central Bank of Cyprus.
System integration
The Finapivity platform connects to a growing set of financial institutions and payment service providers. We take on new integrations where they make commercial sense.
Corporate structure
A brand of CA Holistic Limited.
Finapivity is the payment-infrastructure brand of CA Holistic Limited, a Cyprus-registered fintech group. The wider group delivers complementary financial technology services under the Holistic Fintech umbrella.