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Vodeno Cloud Platform
Warsaw, Poland
What it is
Vodeno Cloud Platform is a cloud-native, API-based Banking-as-a-Service platform for banks, licence holders, and businesses embedding banking services in their 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 processes, while a single API integration connects to a fintech ecosystem with nearly 90 integrated partners. An Integration Bridge supports legacy patterns such as SOAP or MQ. Vodeno says its tools include KYC/AML and anti-fraud management with 500+ controls; client activities are logged chronologically, encrypted with customer-specific keys, and linked using blockchain algorithms. Access to Aion Bank’s banking licence is described as supporting services across 15 EU markets, with local IBANs in Belgium, Germany, Poland, and Sweden. The platform lists Mastercard, Visa, SWIFT, and EBA clearing, as well as local schemes in Poland and Sweden. Pricing is available on request.
For and against
For
- Products include accounts, cards, payments, and lending.
- Nearly 90 integrated partners are listed.
- Integration Bridge supports legacy SOAP or MQ patterns.
- KYC/AML and anti-fraud management includes 500+ controls.
- Local IBANs are listed in four EU countries.
Against
- Pricing is available on request.
- The stated licence coverage is across 15 EU markets.
- BNPL instalment loans split payments over two to 24 instalments.
The verdict
Vodeno offers a broad banking product set through an API-based platform, with both modern API integration and a bridge for legacy patterns. Prospective customers need to request pricing.
Who it suits
The platform is aimed at banks, licence holders, and businesses embedding financial services for retail or corporate users. It may suit organizations that need banking products through APIs or support for legacy integration patterns.
On the record
- Architecture
- The platform uses a multi-tenant design and says tenant clients’ data remains fully separated.vodeno.com · read 3 Oct 2026
- Banking licence
- Vodeno partners with Aion Bank, which holds a full banking licence supervised by the National Bank of Belgium and can passport services across 15 EU markets.vodeno.com · read 3 Oct 2026
- Banking products
- Its products include accounts, cards, payments, digital onboarding, savings, lending, and Buy Now, Pay Later services.vodeno.com · read 3 Oct 2026
- Cloud platform
- Vodeno describes itself as a certified Google Cloud partner and says the platform is supported by the Google Cloud ecosystem.vodeno.com · read 3 Oct 2026
- Compliance
- The solutions page lists AML and compliance services and says its controls include EBA, GDPR, and ISO standards.vodeno.com · read 3 Oct 2026
- Core banking
- The platform uses a no-code methodology and smart contracts to define and automate banking processes.vodeno.com · read 3 Oct 2026
- Customer apps
- Vodeno lists iOS, Android and web apps and describes a white-label mobile app available to customers 24/7.vodeno.com · read 2 Oct 2026
- Integrations
- Vodeno says nearly 90 fintech partners are integrated into the platform to provide end-to-end embedded banking solutions.vodeno.com · read 3 Oct 2026
- Intended customers
- Vodeno says the platform serves banks, licence holders, and businesses embedding financial processes for retail and corporate users.vodeno.com · read 3 Oct 2026
- Notable product limit
- Vodeno describes its BNPL instalment loan option as split payments over two to 24 instalments.vodeno.com · read 2 Oct 2026
- Payment networks
- The platform lists Mastercard, Visa, SWIFT, and EBA clearing among its payment scheme memberships and supports local schemes in Poland and Sweden.vodeno.com · read 3 Oct 2026
- Pricing
- The platform page invites prospective customers to enquire and schedule a demo; it does not state a price.vodeno.com · read 2 Oct 2026
- Product
- Vodeno Cloud Platform is a cloud-native, fully API-based Banking-as-a-Service platform for embedding banking services into business ecosystems.vodeno.com · read 3 Oct 2026
- Products
- The platform offers accounts, onboarding, payments, cards, savings, lending and Buy Now, Pay Later services.vodeno.com · read 2 Oct 2026
- Security
- Vodeno says ledger activities are chronologically logged, encrypted with customer-specific keys, and linked using blockchain algorithms.vodeno.com · read 3 Oct 2026
- Support
- The solutions page describes a 24/7 multilingual Customer Support Centre.vodeno.com · read 3 Oct 2026
- Technical integration
- The platform supports APIs for modern systems and offers an Integration Bridge for banks using legacy integration patterns such as SOAP or MQ.vodeno.com · read 2 Oct 2026
- What it does
- Vodeno Cloud Platform is a cloud-native, API-based Banking-as-a-Service platform for embedding banking services into business ecosystems.vodeno.com · read 2 Oct 2026
