About Demivolt
A regulated financial partner built around your business
Demivolt enables businesses, fintechs and platforms to access business payment accounts and payment services, launch card programmes, or offer white-label financial services to their own customers through one regulated framework.
We combine modern financial infrastructure with practical compliance, proportionate risk management and a team that takes the time to understand how each business operates.
- EMI authorised by the Bank of Lithuania
- Regulated payment services
- Risk-based approach
- Visa Principal Member
Who we are
Regulated infrastructure supported by real expertise
Demivolt is an authorised Electronic Money Institution providing regulated financial services to businesses, platforms and partners across different operating models.
Our services bring together business payment accounts, payments, card programme support, white-label infrastructure and compliance expertise under one coordinated approach.
Our mission
Making regulated financial services work for more business models
Financial services should be innovative, practical and accessible without compromising regulatory responsibility or customer protection.
Our mission is to help businesses access the financial infrastructure they need while maintaining the controls, oversight and standards expected in a regulated environment.
What makes Demivolt different
More than infrastructure
We understand the business first
We look beyond broad industry labels to understand your ownership structure, customers, business model, payment flows and existing controls. This allows us to take a proportionate, risk-based approach and set the right requirements from the start.
Compliance is built in from the start
Compliance should be part of the operating model, not something added after a product or programme has already launched. We build onboarding, monitoring, reporting and oversight into the structure from the beginning, helping protect our clients, their customers, our partners and the wider financial system.
One coordinated framework
Accounts, payments, cards, technology and compliance often sit across different providers and operating structures. Demivolt brings these elements together, giving businesses and platforms a clearer route from the initial concept to launch and ongoing operation.
Built for long-term growth
Launching a payment account, card programme or financial platform is only the beginning. We focus on building relationships and operating structures that continue to support your business as customer numbers, payment volumes and requirements develop.
Our approach to risk
Risk should be understood, not reduced to a label
Different industries, countries and business models carry different risks. That does not mean every company within a particular category should be treated in the same way.
Demivolt reviews each business individually, looking at its structure, activity, customers, payment flows and controls. Our goal is to understand the risk properly, set the right requirements and help protect the business throughout the relationship.
What we support
Regulated services for businesses and platforms
Demivolt provides business payment accounts, dedicated IBANs, SEPA and international payments, card programme support, BaaS and white-label infrastructure, compliance services and structured partnership models.
Our services support companies managing their own financial operations as well as platforms and fintechs offering financial services to their customers.
Our regulatory and payment network foundation
Regulation and scheme membership shape how we operate
Demivolt UAB is an Electronic Money Institution authorised and regulated by the Bank of Lithuania under EMI licence No. 77. Demivolt is also a Visa Principal Member, supporting the card programme capabilities we provide to clients and partners.
Our regulatory authorisation and scheme membership guide how we onboard clients, oversee payment activity, manage risk and work with partners. These responsibilities are built into our operations and the services we provide.
- EMI licence No. 77
- Authorised by the Bank of Lithuania
- Visa Principal Member
- Registered in Vilnius, Lithuania
Our people
Experience behind the infrastructure
Our team brings together experience across financial services, payments, compliance, risk, technology and programme operations.
We work directly with clients and partners to understand their business model, develop the right structure and support the relationship as it grows.
FAQ
About Demivolt
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, embedded finance, card programmes, and business account solutions. This makes it suitable for companies that need flexible financial services within a regulated structure.
Demivolt provides regulated financial infrastructure and services for businesses, fintechs, platforms and programme partners.
This includes business payment accounts, euro and international payments, card programme support, BaaS and white-label infrastructure, compliance services and structured partnership models.
Demivolt UAB is registered in Lithuania and authorised and regulated by the Bank of Lithuania as an Electronic Money Institution.
Demivolt operates under EMI licence No. 77 and provides electronic money and regulated payment services within the scope of its authorisation.
Build with a regulated financial partner
Whether you need a business payment account or want to build a wider financial services programme, speak with our team about your business and what you are trying to achieve.