13 Product Companies. One Ecosystem.

Personal & business accounts, deposits, withdrawals, IBANs, virtual IBANs, multi-currency balances, salary and treasury accounts.

Account/deposit services connected to licensed bank/EMI partners.

Debit & virtual cards, POS, merchant acquiring, Apple/Google Pay, SEPA, international payments and merchant settlement.

API adapters for Paynetics or equivalent licensed partners.

Multi-currency savings, partner HYSA access, treasury optimisation, FX, cash sweeps and fixed-term savings.

Savings balances segregated from membership revenue, held with licensed institutions.

Fiat on/off-ramp, wallet integrations, crypto-backed card funding, stablecoins, OTC and digital-asset treasury.

Integration placeholders for EU MiCA-authorised CASPs.

P2P marketplace, borrower & lender profiles, risk categories, loan matching, secondary marketplace and repayment dashboard.

Disabled by default until authorised per jurisdiction.

Prop trader accounts, trading infrastructure, analytics, risk management, payout systems and broker connectivity.

Institutional dashboards for prime services.

Banking-as-a-Service, embedded finance APIs, white-label accounts & card programmes, AI assistant and compliance automation.

Technology engine available to third-party companies.

Factoring, invoice & receivables finance, merchant & consumer BNPL, instalment products and invoice marketplace.

Merchant dashboard for invoice finance.

Personal loans, SME loans, working capital, credit pre-assessment, secured loans and lending marketplace.

ENNEVIA does not directly issue SBA-guaranteed loans unless authorised.

Embedded, travel, device, business, credit-linked insurance and a comparison marketplace via licensed intermediaries.

Licensed insurer/intermediary integrations.

Startup portfolio, venture investments, accelerator, strategic investments and fintech incubation.

Portfolio-company dashboard for venture activity.

Proprietary & treasury trading, liquidity management, FX, market-neutral and quantitative strategies.

No customer funds are used by the House Account Trading Desk unless expressly permitted under a regulated structure.

Premium banking concierge, HNW onboarding, wealth partner access, premium cards, treasury and family-office coordination.

Private banking introductions via licensed partners.