Security & Compliance
Built with institutional-grade controls. Financial services are provided by appropriately licensed partner institutions where required. ENNEVIA is not represented as a licensed bank unless and until a banking licence is active.
Regulatory compliance is satisfied through regulated third-party partners who hold the specific licensing and registrations for each product line. In the EU: EMI licence, PSD2/PSD3, and MiCA. In Canada: MSB registration with FINTRAC.
KYC & KYB
Identity and business verification through licensed partners, integrated into onboarding and share qualification.
AML & Sanctions Screening
Transaction monitoring, PEP and sanctions screening, suspicious-activity review and reporting workflows.
Encryption & Privacy
Encryption in transit and at rest, least-privilege access, and data-export/deletion workflows where legally applicable.
Fraud Monitoring
Device, IP, card, IBAN and wallet fingerprinting with GREEN/AMBER/RED/BLOCKED risk scoring on referrals.
Audit Trails
Immutable admin-action logs, audit events and shareholder-register records maintained across the platform.
Jurisdiction Engine
Per-country rules override marketing and dashboard features automatically — membership, banking, cards, crypto, credit and more.
Compliance Through Regulated Third Parties
ENNEVIA is a neobank aggregator — we do not hold licenses directly. Every financial product line is delivered through regulated partner institutions that hold the specific licensing and registrations required for their market. This model lets us offer a single super-app for cross-border, frictionless, and restrictionless global access while remaining fully compliant.
EMI License
Electronic Money Institution authorisation enables euro accounts, card issuance, and digital wallets across all 27 EU member states under a single passport.
PSD2 / PSD3
Payment Services Directive compliance for open banking, strong customer authentication (SCA), and third-party payment initiation and account information services.
MiFID II
Markets in Financial Instruments Directive licensing for investment services, portfolio management, and securities execution — covering share eligibility and secondary market access.
MiCA
Markets in Crypto-Assets Regulation compliance for crypto-asset service providers — custody, exchange, and token issuance under the EU's unified crypto framework.
MSB Registration
Money Services Business registration with FINTRAC for remittance, foreign exchange, and virtual currency services in the Canadian market.
IFINRA Registration
Indian financial regulatory registration enabling access to local payment rails, domestic card networks, and investment products for the Indian market.
Local White-Labels
Country-by-country white-label partnerships with locally regulated banks and EMIs across Latin America — Brazil, Mexico, Argentina, Colombia, and beyond.
Swiss Bank White-Labels
Partnerships with FINMA-licensed Swiss banks for private banking, crypto custody, and cross-border wealth management under Swiss banking secrecy and regulatory standards.
Aggregator Model
ENNEVIA unifies all regulated partners into one super-app — a single KYC, one membership, seamless cross-border access. The best neobanking and crypto experience in the world.
One Super-App · Cross-Border · Frictionless · Limitless
By aggregating licensed partners rather than competing with them, ENNEVIA delivers the broadest range of regulated financial services through a single membership — without the regulatory friction of holding every license ourselves. Each product line is legally separated, each partner is independently regulated, and every member is protected by the licensing regime of the partner serving their jurisdiction.
Licenses Held by Partners
EMI License
EU — National Central Bank / ECB
Electronic money issuance, euro accounts, card programmes, digital wallets — passported across all 27 EU member states.
PSD2 / PSD3
EU — National Competent Authorities
Payment initiation, account information services, strong customer authentication (SCA), open-banking APIs.
MiFID II
EU — National Financial Regulators
Investment services, portfolio management, securities execution, multilateral trading facilities.
MiCA
EU — ESMA & National Crypto Regulators
Crypto-asset custody, exchange, transfer services, and token issuance under the unified EU crypto framework.
MSB Registration
Canada — FINTRAC
Money services business: remittance, foreign exchange, and virtual currency dealing for the Canadian market.
IFINRA Registration
India — Indian Financial Regulators
Domestic payment rails, local card networks, and regulated investment product distribution.
RBI Approval
India — Reserve Bank of India
Cross-border payment aggregation and merchant onboarding for Indian businesses.
PA-CB Authorisation
EU — Payment Account — Cross-Border
Cross-border payment account access and multi-currency settlement across the EU.
White-Label Partnerships
Switzerland
FINMA-Licensed Banks
Private banking, crypto custody, and cross-border wealth management under Swiss banking secrecy and FINMA supervision. Swiss white-label bank partners provide segregated accounts and institutional-grade custody for high-net-worth members.
LATAM — Brazil
Banco Central do Brasil
Local white-label bank partnership for PIX payments, domestic accounts, and card issuance in BRL.
LATAM — Mexico
CNBV / Banxico
White-label EMI partnership for SPEI transfers, domestic cards, and USD-denominated accounts.
LATAM — Colombia & Argentina
Superintendencia Financiera / BCRA
Local regulated partners for domestic payments, PSE, and local-currency wallets.
LATAM — Regional
Country-by-Country Regulators
Each LATAM market is served by a locally licensed bank or EMI under its own regulatory regime, white-labelled into the ENNEVIA super-app.
UAE & GCC
Central Bank / CBUAE
White-label partnerships with UAE-licensed financial institutions for AED accounts, domestic transfers, and cross-border remittance.
Africa — Regional
Central Banks per Jurisdiction
Local white-label bank and EMI partnerships across South Africa (SARB), Nigeria (CBN), Kenya (CBK), and Morocco (Bank Al-Maghrib) for domestic and cross-border payments.
White-label model: ENNEVIA integrates each partner's regulated infrastructure under a unified UX, KYC, and membership layer. The partner holds the licence, holds customer funds in segregated accounts, and bears regulatory responsibility for its product line. ENNEVIA provides the aggregation, technology, and membership — never the regulated activity itself.
Four separate ledgers — never mixed
Membership Ledger · Referral Rewards Ledger · Customer Financial Account Ledger (held by licensed bank/EMI partners) · Securities Ledger. Membership revenue is never treated as a customer savings balance or deposit.