OpenPayd: Scaling Global Finance Anywhere via a Single API in 2026

The Silicon Review

OpenPayd is a banking-as-a-service platform that provides financial services for businesses through a single API. It helps them move and manage money globally anywhere and on any web. The company’s accounts, payments, and trading solutions are built for the digital economy. Together, its licensing and technology infrastructure enables global businesses to launch new financial services that are fully interoperable between fiat and digital assets. Powering the growth of the digital economy, its rail-neutral infrastructure seamlessly combines traditional and digital assets under one API to help businesses build and scale in the digital age.

Businesses can embed accounts and payments wherever they are needed in their product environment, with OpenPayd’s tech giving them the functionality they need to do so. They can offer the services their customers need, where they need them, with every payment covered by the company’s licensing and regulatory coverage. Beyond mere connectivity, OpenPayd acts as a strategic bridge between the legacy financial world and the decentralized future. By abstracting the complexities of global compliance and disparate banking systems, the platform allows developers to focus on user experience rather than navigating the labyrinth of international regulations.

With a physical presence in key hubs like London, Malta, and Bulgaria, OpenPayd maintains a global footprint that reflects its commitment to borderless finance. It processes billions in annual transaction volume, proving that its infrastructure is not just theoretical but a high-performance engine for modern commerce. Whether a business is a high-growth fintech, a marketplace, or a global gig-economy platform, OpenPayd provides the stability of a regulated institution with the agility of a technology startup. In an era where "embedded finance" is no longer a luxury but a requirement, OpenPayd stands as the foundational layer that makes global financial inclusion a reality for the enterprise.

The Toolkit for Modern Money

OpenPayd’s suite of services is designed to be modular, allowing businesses to pick and choose the specific financial components they need. The core of their offering includes:

Banking-as-a-Service (BaaS): Through a single API integration, clients can offer full-scale banking features such as opening corporate and individual accounts, issuing branded cards, and managing deposits.

Virtual IBANs: This is a cornerstone product that allows businesses to issue an unlimited number of unique, multi-currency IBANs to their customers. This simplifies automated reconciliation and gives end-users a localized banking experience.

Global Payments and Payouts: OpenPayd provides access to both local and international payment rails, including SEPA, SEPA Instant, SWIFT, and Faster Payments. This ensures that money moves in real-time across 100+ countries.

Foreign Exchange (FX): The platform offers competitive, transparent FX rates and instant settlement, allowing businesses to convert and transfer currencies across borders without the typical friction and hidden fees of traditional banks.

Crypto and Digital Asset Gateways: Recognizing the shift toward digital assets, OpenPayd provides fiat on-and-off ramps. This allows businesses to seamlessly bridge the gap between traditional fiat currencies and digital assets, facilitating a truly interoperable ecosystem.

The comprehensive range of services it offers makes it rank among the “Best Digital Security Provider of the Year 2025.”

A Vision Beyond Borders

The culture at OpenPayd is defined by its commitment to powering the growth of the digital economy through a fast-paced, innovation-first environment that attracts global problem-solvers. The overarching vision is to become the world’s leading provider of financial infrastructure, creating a reality where financial services are seamlessly integrated into every digital experience and available to everyone, everywhere. This is supported by a mission to democratize access to global banking by providing a unified entry point to the global financial system, effectively removing the technical and regulatory barriers that have historically stifled business growth and cross-border innovation.

The company operates on a "can-do" ethos where transparency, reliability, and security are embedded into their ISO-certified operations. They champion a hybrid work model that values performance and professional autonomy over rigid office presence, fostering a high-trust environment. Employee well-being is a central pillar of the culture, reinforced through initiatives like wellness programs, birthday leave, and a dedicated focus on continuous professional development. By blending a startup's agility with the rigor of a regulated institution, the team remains driven to redefine how money moves in a digital-first world.

Empowering the Future of Finance

OpenPayd stands as much more than a simple payment processor; it functions as the definitive operating system for the modern digital economy. By consolidating complex banking, global payments, and regulatory licensing into a single, elegant API, the company has successfully unbundled the traditional bank and rebuilt it for the internet era. This structural innovation allows businesses to treat financial services as a plug-and-play component rather than a multi-year development hurdle.

For its target audience—which spans fintechs, marketplaces, iGaming operators, and digital asset exchanges—OpenPayd provides the essential plumbing necessary for global expansion. It enables these businesses to launch sophisticated financial products in a matter of weeks rather than years. By bypassing the need to secure individual licenses in every jurisdiction or manage dozens of fragmented banking relationships, clients gain a significant speed-to-market advantage that is critical in today’s competitive landscape.

For the employees who drive this mission forward, OpenPayd offers a unique opportunity to work at the cutting edge of finance and technology. The company’s "plot your own course" philosophy encourages team members to take full ownership of complex challenges, while the supportive hybrid culture ensures they have the balance required to sustain peak performance. By stripping away the bureaucratic red tape common in traditional finance, OpenPayd empowers its talent to focus entirely on building the future of money.

Meet the Founder
Ozan Özerk is the founder of OpenPayd. A former physician and Norwegian Army Ranger, Özerk transitioned to fintech after co-founding Biip.no, Norway’s largest social network, in 2005. Since launching OpenPayd in 2018, he has expanded operations across 30+ jurisdictions with headquarters in London and offices in Bulgaria, the Netherlands, Malta, South Africa and the US. A Forbes Finance Council member, he frequently advises regulators on digital assets and embedded finance. In 2025, Özerk’s impact on the sector was formally recognized when he was named “Enterprise Entrepreneur” at the prestigious Enterprise Awards, cementing his status as a leader in the UK’s fast-growing technology industry.