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Embedded Wallets for Marketplaces and Platforms That Move Money

Create user wallets, automate money flows, and assign local IBANs, all without an e-money license. smartIBAN handles the compliance and infrastructure so marketplaces and gig platforms don’t have to.

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The Limitations of Legacy Payment Systems

  • Complex multi-bank setups slow down onboarding
  • No automation for splits, escrow, or conditional payouts
  • Compliance burden falls on you — including legal requirements for e-money handling
  • Limited flexibility—no user-level wallets
  • Manual reconciliation creates delays and errors

Key benefits

Everything You Can Build With smartIBAN Wallets

Map of Europe with local IBAN locations pinned

Wallets with Local IBANs

Assign EU-local IBANs to each wallet for fast SEPA payments—available with all 27 local IBAN prefixes.

Escrow wallet holding funds between buyer and seller

Escrow & Conditional Payouts

Hold funds securely and auto-release based on delivery, confirmation, or custom rules.

Platform balance split by rules across freelancer, advertising and company accounts

Wallet Automations

Split, reroute, or hold balances with programmable logic tailored to your business model.

Several currency IBANs attached to a single wallet with a live balance chart

Multiple IBANs per Wallet

Attach multiple IBANs to a single wallet for flexibility and transaction-level tracking.

Funds moving directly between two user wallets

In-Platform Transfers

Move funds between user wallets instantly—no fees, no delays.

smartIBAN orchestrating movement between two internal accounts

Smart Internal Orchestration

Control fund movement between internal accounts without manual intervention.

Use cases

Built for High-Velocity Platforms

Freelance & Gig Platforms

Issue wallets instantly to freelancers. Disburse based on work completed or milestones hit.

Marketplaces

Escrow buyer payments. Automate seller payouts. Split commissions—all hands-free.

E-commerce Platforms

Power refunds, store credits, loyalty programs—all with wallet logic.

Fintechs / SaaS / PSPs

Embed wallets + IBANs as a product. White-label everything and go to market faster.

Developer building on the smartIBAN platform at night Marketplace team collaborating on laptops E-commerce store owner managing an online shop Fintech developer working late in an office

Everything you need to automate, route, and scale bank transactions.

  • Stay out of flow-of-funds — We handle compliance, custody, and regulation.
  • Automate fund flows — Escrow, split, or release money on your terms.
  • Gain real-time visibility — Track every transaction as it happens.
  • Protect against FX volatility — Hold funds in preferred currencies until you’re ready to convert.
  • Fully white-label — Keep the smartIBAN layer invisible to users.
  • Launch fast — Skip banks and go live in days, not months.

Compliance Built for Embedded Finance

We handle the regulation, so you can focus on scale.

Designed for EU Businesses

GDPR-Ready

Bank-Grade Security

Start Automating Your Money Flows Today

smartIBAN helps you launch embedded wallets with full control, real-time automation, and no regulatory overhead.

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