Regulated European EMI · Visa Principal Member
Payment Solutions for your Business. Simplified.
Regulated financial services infrastructure
Demivolt is a regulated Electronic Money Institution in Lithuania, operating under the supervision of the Bank of Lithuania. Our platform supports business accounts, payment services, card programme infrastructure and compliance-led operational models.
Visa Principal
Principal member with direct scheme access and no sponsor bank.
EMI Licence No. 77
Authorised and supervised by the Bank of Lithuania since 2020.
CENTROlink
Direct SEPA participant with our own IBAN infrastructure, rather than correspondent-issued IBANs.
Funds safeguarded
Client funds are held separately with partner credit institutions.
Working with
One platform
One platform. Four ways to build with Demivolt.
Whether you need a business account, payments or card programme support, Demivolt brings the key services together under one regulated platform.
Infrastructure
Built for fintech, business, and platform growth
Demivolt brings together regulated services, technology partners, compliance controls, and operational support so companies can launch faster without losing structure. From direct business accounts to card programmes, Demivolt supports different ways to build and operate financial services.
Compliance & controls
Compliance built into the platform
Demivolt supports financial services with controls designed from the start, not added later. Our approach includes onboarding checks, KYB/KYC review, sanctions screening, transaction monitoring, fraud review, complaints handling, reporting support, and ongoing oversight. Client funds are safeguarded in line with regulatory obligations and held separately with partner financial institutions.
Who it's for
Built for companies that need more than basic financial services
Demivolt supports businesses, fintech companies, platforms, programme managers, and partners that need regulated financial services infrastructure with practical operational support.
Businesses needing accounts and payments
Fintech companies building financial products
Platforms embedding accounts, payments, or cards
Programme managers launching card products
Resellers introducing suitable businesses to Demivolt
Companies needing compliance and operational support
Pricing
Simple, transparent business pricing
No hidden surprises. Clear costs for business banking and cards.
These are example fees for lower-risk businesses. Actual fees may vary depending on your company's business model, risk profile, expected activity, products required and other individual circumstances.
“Recognised for integrity and a results-driven leadership style, building sustainable, future-ready financial businesses.”
Dr. Šarūnas Nedzinskas
CEO, UAB Demivolt
Šarūnas Nedzinskas is an experienced financial services leader with over 25 years of executive and board-level experience across banking, fintech, payments, lending, and insurance. As CEO of UAB Demivolt, he leads the company's development in the regulated fintech payments sector, with a strong focus on sustainable growth, governance, and compliance.
- 25+ years
- PhD, Strategic Management
- EMI / PI licensing
Trusted by teams
Trusted by businesses, platforms, and partners
Demivolt supports companies that need regulated infrastructure, practical support, and a clear path to launch.
CreditAcum IFN SA sincerely appreciates Demivolt’s products and the smooth, well-managed onboarding process. Their team’s responsiveness, clarity, and professionalism helped us get started efficiently and with confidence. We value this partnership and look forward to continued success together.
Cristian Alexandru Ștefănescu
CEO
CreditAcum IFN SA
Articles
Insights and market updates
Blog articles from the Demivolt team and news from trusted sources.
Fintech Explained
Fintech, explained in about a minute
Short, plain-English videos on the payments and fintech topics that actually matter, one at a time.
Welcome to Fintech Explained by Demivolt
We're proud to be the first EMI teaching people about fintech like this, completely free.
Meet the host and find out what this series is all about.
FAQ
Answers before you ask
Demivolt is a regulated financial technology company offering business accounts, payment services, card programme infrastructure and compliance services under an EU electronic money institution framework.
Demivolt helps businesses access regulated financial infrastructure without having to build everything from scratch. Its services are designed for companies that need reliable accounts, payments, cards, compliance support, and operational oversight.
Demivolt is not a traditional bank. Demivolt operates as an Electronic Money Institution, which means it can provide regulated electronic money and payment services, including business accounts, IBANs, and payment capabilities.
Unlike a traditional bank, Demivolt focuses on modern payment infrastructure, card programmes, and business account solutions. This makes it suitable for companies that need flexible financial services within a regulated structure.
Demivolt is built for businesses, fintech companies, and programme managers that need regulated financial infrastructure, payment accounts, card capabilities, or compliance services.
It can support companies managing payment flows, issuing cards, or serving business clients under a structured and compliant operating model.
Demivolt follows a risk-based compliance framework aligned with regulatory requirements and internal risk policies. As a result, the following jurisdictions are restricted for client registration and transactional activity:
- Afghanistan
- Algeria
- Angola
- Anguilla
- Antarctica
- Antigua and Barbuda
- Aruba
- Bahamas
- Bahrain
- Barbados
- Belarus
- Belize
- Bermuda
- Bolivia
- Bouvet Island
- Brunei Darussalam
- Burkina Faso
- Burundi
- Cayman Islands
- Cameroon
- Central African Republic
- Cook Islands
- Cote d'Ivoire
- Cuba
- Curaçao
- Democratic Republic of the Congo
- Djibouti
- Dominica
- Ecuador
- Ethiopia
- Fiji
- French Polynesia
- French Southern Territories (the)
- Gibraltar
- Guatemala
- Guernsey
- Guinea
- Guinea Bissau
- Haiti
- Heard Island and McDonald Islands
- Yemen
- Iran
- Iraq
- Isle of Man
- Jersey
- Kenya
- Korea, North
- Kuwait
- Laos
- Lebanon
- Liberia
- Libya
- Maldives
- Mali
- Marshall Islands (the)
- Mauritius
- Myanmar
- Monaco
- Montserrat
- Mozambique
- Namibia
- Nauru
- Nepal
- Nicaragua
- Niger
- Nigeria
- Niue
- Palau
- Papua New Guinea
- Portugal, Azores
- Portugal, Madeira
- Russia
- Saint Helena, Ascension and Tristan da Cunha
- Saint Kitts and Nevis
- Saint Pierre and Miquelon
- Samoa
- Seychelles
- Sint Maarten (Dutch part)
- Syria
- Somalia
- South Africa
- South Georgia and the South Sandwich Islands
- South Sudan
- Sudan
- Tanzania
- Tonga
- Trinidad and Tobago
- Turks and Caicos Islands
- Ukraine, Crimea and Sevastopol (Crimea)
- Ukraine, Donetsk oblasts
- Ukraine, Luhansk oblasts
- United States Minor Outlying Islands (the)
- United States of America
- Vanuatu
- Venezuela
- Vietnam
- Virgin Islands (British)
- Virgin Islands (U.S.)
- Zimbabwe
Demivolt offers business accounts, dedicated IBANs, SEPA and international payment capabilities, card programme support, BIN sponsorship, compliance services, currency exchange, and related financial services.
These products can be used individually or as part of a broader financial services setup. For example, a business may use Demivolt for accounts and payments, while a fintech may use Demivolt to support a card programme.
Yes. Demivolt supports card programme structures, including physical cards, virtual cards, BIN sponsorship, and related programme support, subject to approval and compliance requirements.
This can help companies launch branded card products or add card functionality to their existing platform. Demivolt can support the regulated structure, operational setup, and oversight needed to run a card programme responsibly.
Demivolt operates under a regulated framework and applies due diligence, onboarding checks, transaction monitoring, risk controls, and ongoing compliance oversight where required.
Compliance is part of the operating model rather than an afterthought. Demivolt reviews clients, business models, payment activity, programme structures, and risk factors to help maintain a responsible and compliant financial services environment.
You can get started by opening an account online or speaking with the Demivolt team about your business, payment needs, programme structure, and onboarding requirements.
The right starting point depends on what you need. Some companies may need a business account and IBANs, while others may need a card programme, BIN sponsorship, or compliance support.
Payments for the business you run
Paying overseas suppliers? Matching course fees? Keeping client invoices in order? Explore business accounts and payment services around the work your team does every day.
Ready to build with Demivolt?
Whether you need business accounts, payments, cards or compliance services, Demivolt can help you build with structure.