Griffin vs Vodeno Cloud Platform

Griffin provides banking-as-a-service infrastructure for companies embedding bank accounts, payments, and other financial products through APIs. It operates its own core banking platform and banking license. Business accounts for fintechs and venture-backed startups can be managed online or by API, while embedded savings and bank accounts support customer funds and client money. Payment features include Faster Payments, instant transfers between Griffin accounts, payment webhooks, and Confirmation of Payee. Verify automates KYC and KYB checks and provides onboarding workflows. The REST API uses JSON and includes a free sandbox without fees or an NDA. Griffin also works with tell.money on open-banking integrations. Griffin Bank is authorised by the Prudential Regulation Authority and regulated by the FCA and PRA. Security documentation cites encryption at rest and in transit, monitored access, and least privilege. Business banking starts at £100 per month; platform packages are £10,000 per month, with onboarding from £15,000 one-off.

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.