Launch through DigiDoe's regulated infrastructure.licence model unnamed, unresolved per ruling 81, needs MLRO + Legal
For businesses that want to offer their own branded payments, FX or account product, without building an EMI from scratch. Onboarding, safeguarding and payment rails are set out below.sub-line derived, needs MLRO
Prefer to integrate directly? See the API entry point →
DigiDoe is an Electronic Money Institution, not a bank. E-money is not protected by the FSCS.
The problem
Becoming an EMI takes capital, time and a compliance build you don’t want to own.
Standing up safeguarding, KYC/KYB/AML, sanctions screening and payment connectivity from scratch is slow and expensive, and pulls focus from the product your clients actually want.
The DigiDoe way
Regulated infrastructure, ready to build on.heading form derived, needs MLRO
Build on DigiDoe's regulated infrastructure: safeguarding, compliance controls, agency services and white-label products, through an API or a low-code path.patented-technology claim removed, no approved wording for this product (ruling 11); licence wording replaced pending MLRO (ruling 81)
Your product, our regulated rails
The console your team would use: accounts, payments and compliance controls, white-labelled under your brand.
Infrastructure you launch on.
Onboard
Experienced in assessing legitimate complex structures, subject to risk appetite and onboarding requirements.
Operate
Accounts, payments and FX, one authenticated API.
Protect
Supported by DigiDoe's in-house compliance team and financial-crime controls.
Safeguarding & agency services
Agency and operational infrastructure, the regulated foundation your product sits on. Relevant funds are safeguarded in accordance with applicable regulatory requirements and are not protected by the FSCS.
- Agency & operational services
- Named account manager on eligible plans
FCA-authorised, ISO-certified, relevant funds safeguarded.
Stated once, here, with the limits included.
Authorised by the Financial Conduct Authority. DigiDoe is not a bank. Check the Register, or read the guidance on using payment service providers.
Certified for information security and for business continuity by British Assessment Bureau, a UKAS-accredited certification body.
Relevant funds are safeguarded in accordance with applicable regulatory requirements and are not protected by the FSCS.
How relevant funds are safeguarded
Payments are screened against sanctions and financial-crime controls, and transactions are monitored. These controls reduce risk; they do not remove it.
How fintechs & EMIs build on DigiDoe.card bodies derived, need MLRO; licence-model fragment removed pending MLRO (ruling 81)
White-label launch
White-label payment, FX and account solutions, launched under your own brand.
Regulated foundation
For teams that need the regulated foundation, safeguarding and agency services, without building an EMI.
Tell us what you want to launch.
Manage supported approvals and currency conversions through the DigiDoe mobile app. Available on the App Store and Google Play.