Payments Infrastructure for European EMIs
Launch, operate, and scale payment services across Europe with regulatory - aligned infrastructure - without rebuilding core systems.
Regulatory Confidence
Built for EU & UK compliance
Operational Resilience
Real-time processing at scale
European Expansion
Multi-country, multi-currency
THE CHALLENGE
The Reality for European EMIs Today
European EMIs operate in one of the most advanced and demanding regulatory environments in the world. Growth is driven by innovation, but constrained by significant challenges.
To compete and scale, EMIs need bank-grade technology, clear role separation, and regulator-friendly architecture.
Increasing regulatory scrutiny under EU frameworks
Expectations for real-time monitoring and transparency
Complex cross-border payment requirements
Dependence on sponsor banks and third-party providers
Legacy or fragmented technology stacks
WHAT WE DELIVER
Infrastructure That Enables Growth
AnankAI provides the technology and operational layer that sits between your EMI, your sponsor bank, and Europe’s payment ecosystem.
Regulatory Confidence
Compliance-ready infrastructure with audit trails, monitoring, and reporting built-in from day one.
Operational Resilience
High-availability systems with real-time processing, redundancy, and enterprise-grade security.
European Expansion
Launch across multiple EU countries faster with localised data residency support.
MODERN STACK
Technologies European EMIs Expect
AnankAI is built using technologies commonly adopted across leading European financial institutions. This ensures performance, resilience, and auditability at scale.
API-first architecture
Secure integrations with modern REST and webhook APIs
Modular microservices
Flexibility and scale with independent service deployment
Centralised core ledger
Real-time processing with full transaction history
Event-driven systems
Monitoring, alerts, and automated workflows
Cloud-ready deployments
High availability and data residency compliance
Capabilities
End-to-End
Payment Operations
All payment activity is fully traceable, reportable, and controllable.
Core Account & Ledger
Real-time ledger management with full audit trails
Cross-border Payments
Domestic and international payment rails
SEPA Instant
Credit transfers and instant payments
Card Issuing
Virtual and physical card processing
Bulk Payments
Scheduled and batch execution
Multi-currency
Support for all major currencies
Full Traceability
Every transaction is logged, auditable, and exportable
Compliance by Design
Not as an
Add-On
AnankAI embeds compliance into the platform architecture. Final regulatory responsibility remains with the licensed EMI, while we provide the technology enablement and controls.
Customer Onboarding
KYC / KYB workflows
Transaction Monitoring
Real-time risk scoring
Configurable Rules
Custom thresholds
Alert Management
KYC / KYB workflows
Regulatory Reporting
Automated exports
Partner Model
Clear Role
Separation
AnankAI strengthens, not disrupts, bank-led models. This structure aligns with regulator expectations.
Sponsor Bank
• Holds customer funds and safeguarding accounts • Provides access to payment schemes • Maintains regulatory oversight
EMI
• Owns the customer relationship • Holds regulatory authorisation • Defines product and commercial strategy
AnankAI
• Provides technology infrastructure and APIs • Enables payment processing and ledgering • Supports compliance workflows and reporting
Built for Europe
A central core engine replicated across regions, connected to local European payment rails, compliance providers, and sponsor banks.
Faster launch
across multiple EU countries
Data residency
and localisation support
Operational resilience
and redundancy
Simplified expansion
across multiple EU countries
Why AnankAI
Why European EMIs
Choose Us
- Designed specifically for regulated environments
- Proven, modern technology stack
- Sponsor-bank-safe architecture
- Faster time-to-market across Europe
- Reduced operational and regulatory risk
- Long-term scalability without platform rebuilds
Ready to Scale Your EMI Across Europe?
Operate with confidence, clarity, and control backed by infrastructure designed for regulators, sponsor banks, and sustainable growth.
No commitment required. Let’s discuss your UK or EU EMI strategy.