Vodeno Cloud Platform
vodeno.com
What it is
Vodeno Cloud Platform is a cloud-native, API-based Banking-as-a-Service platform for banks, licence holders, and businesses embedding banking services in business ecosystems. Its offerings include accounts, onboarding, payments, cards, savings, lending, and Buy Now, Pay Later. A no-code core banking system lets clients define and automate business processes, while a single API integration accesses an ecosystem of nearly 90 integrated partners. For legacy integration patterns such as SOAP or MQ, the platform provides an Integration Bridge. Vodeno describes KYC/AML and anti-fraud management with 500+ controls, and says client activity is logged chronologically, encrypted with customer-specific keys, and linked using blockchain algorithms. Access to Aion Bank's full banking licence is described as supporting services across 15 EU markets; local IBANs are listed for Belgium, Germany, Poland, and Sweden. Customer apps include iOS, Android, and web, with white-label mobile apps available. The platform serves retail and corporate end users through its customers. Pricing is on request.
Spec sheet
- What it does
- Vodeno Cloud Platform is a cloud-native, API-based Banking-as-a-Service platform for embedding banking services into business ecosystems.Read 2 Oct 2026 · vodeno.com
- Product
- Vodeno Cloud Platform is a cloud-native, fully API-based Banking-as-a-Service platform for embedding banking services into business ecosystems.Read 3 Oct 2026 · vodeno.com
- Integrations
- Vodeno says nearly 90 fintech partners are integrated into the platform to provide end-to-end embedded banking solutions.Read 3 Oct 2026 · vodeno.com
- Security
- Vodeno says ledger activities are chronologically logged, encrypted with customer-specific keys, and linked using blockchain algorithms.Read 3 Oct 2026 · vodeno.com
- Compliance
- The solutions page lists AML and compliance services and says its controls include EBA, GDPR, and ISO standards.Read 3 Oct 2026 · vodeno.com
- Support
- The solutions page describes a 24/7 multilingual Customer Support Centre.Read 3 Oct 2026 · vodeno.com
- Headquarters
- Warsaw, PolandRead 28 Sep 2026 · vodeno.com
- Founded
- 2018Read 28 Sep 2026 · vodeno.com
- Architecture
- The platform uses a multi-tenant design and says tenant clients’ data remains fully separated.Read 3 Oct 2026 · vodeno.com
- Banking licence
- Vodeno partners with Aion Bank, which holds a full banking licence supervised by the National Bank of Belgium and can passport services across 15 EU markets.Read 3 Oct 2026 · vodeno.com
- Banking products
- Its products include accounts, cards, payments, digital onboarding, savings, lending, and Buy Now, Pay Later services.Read 3 Oct 2026 · vodeno.com
- Cloud platform
- Vodeno describes itself as a certified Google Cloud partner and says the platform is supported by the Google Cloud ecosystem.Read 3 Oct 2026 · vodeno.com
- Core banking
- The platform uses a no-code methodology and smart contracts to define and automate banking processes.Read 3 Oct 2026 · vodeno.com
- Customer apps
- Vodeno lists iOS, Android and web apps and describes a white-label mobile app available to customers 24/7.Read 2 Oct 2026 · vodeno.com
- Intended customers
- Vodeno says the platform serves banks, licence holders, and businesses embedding financial processes for retail and corporate users.Read 3 Oct 2026 · vodeno.com
- Notable product limit
- Vodeno describes its BNPL instalment loan option as split payments over two to 24 instalments.Read 2 Oct 2026 · vodeno.com
- Payment networks
- The platform lists Mastercard, Visa, SWIFT, and EBA clearing among its payment scheme memberships and supports local schemes in Poland and Sweden.Read 3 Oct 2026 · vodeno.com
- Pricing
- The platform page invites prospective customers to enquire and schedule a demo; it does not state a price.Read 2 Oct 2026 · vodeno.com
- Products
- The platform offers accounts, onboarding, payments, cards, savings, lending and Buy Now, Pay Later services.Read 2 Oct 2026 · vodeno.com
- Technical integration
- The platform supports APIs for modern systems and offers an Integration Bridge for banks using legacy integration patterns such as SOAP or MQ.Read 2 Oct 2026 · vodeno.com
- Who it is for
- Vodeno says the platform serves banks, licence holders and businesses, with banking products for retail and corporate end users.Read 2 Oct 2026 · vodeno.com
Strong points and limits
Strong points
- Offers accounts, cards, payments, savings, and lending
- Single API reaches nearly 90 integrated partners
- Integration Bridge supports SOAP or MQ patterns
- Lists local IBANs in four countries
Limits
- Pricing is available only on request
- BNPL instalment loans split payments over two to 24 instalments
Who it suits
Vodeno is aimed at banks, licence holders, and businesses embedding financial services for retail or corporate users. Its API and Integration Bridge options cover modern systems and specified legacy patterns.
Verdict
Vodeno combines banking products, integration options, and compliance tools in a cloud-based platform. Prospective customers need to enquire for pricing.
Where Specifiction places it
- Banking-as-a-Service Platforms#28 of 317.0
