Freedom251 › Banking-as-a-Service Platforms
Vodeno Cloud Platform
What Vodeno Cloud Platform is
Vodeno Cloud Platform provides banking services that banks, licence holders and businesses can embed in their ecosystems. Its cloud-native platform uses APIs, with a no-code core banking system for defining and automating business processes. Products include accounts, digital onboarding, payments, cards, savings, lending and Buy Now, Pay Later. Vodeno describes a fintech ecosystem of nearly 90 integrated partners accessible through one API integration, plus an Integration Bridge for legacy patterns such as SOAP or MQ. Its BNPL instalment loans split payments over two to 24 instalments. The platform supports Android, iOS, web and API access, including white-label customer apps. Vodeno describes KYC/AML and anti-fraud controls, and says client activities are logged chronologically, encrypted with customer-specific keys and linked using blockchain algorithms. It says access to Aion Bank's licence supports services across 15 EU markets, with local IBANs in Belgium, Germany, Poland and Sweden. Pricing is on request; the platform page invites prospective customers to enquire and schedule a demo.
Who it suits
The platform is aimed at banks, licence holders and businesses embedding financial processes for retail or corporate users. It may suit organisations needing banking products through API integration or an Integration Bridge for legacy systems.
What it does well
- Offers accounts, cards, payments, savings and lending.
- Nearly 90 integrated partners are accessible through one API integration.
- Integration Bridge supports legacy SOAP or MQ patterns.
- Lists 24/7 multilingual customer support.
- Local IBANs are listed for four countries.
What to know first
- Pricing is available on request, not stated.
- BNPL instalment loans are split over two to 24 instalments.
- Services across 15 EU markets are described through Aion Bank's licence.
Limits
Vodeno describes its BNPL instalment loan option as split payments over two to 24 instalments. The listed local IBAN countries are Belgium, Germany, Poland, and Sweden.
Getting started
- Visit the Vodeno solutions website.
- Enquire with Vodeno about pricing and the platform.
- Schedule a demo.
- Select the banking products and integration approach relevant to your business.
- Connect through the platform's APIs, or consider the Integration Bridge for legacy patterns such as SOAP or MQ.
Verdict
Vodeno combines a broad set of banking products with API and legacy integration options. Organisations considering it will need to request pricing and assess the listed market and product scope for their needs.
Questions
How is Vodeno Cloud Platform priced?
Pricing is available on request. The platform page invites prospective customers to enquire and schedule a demo.
Who is the platform for?
Vodeno says it serves banks, licence holders, and businesses embedding financial processes for retail and corporate users.
Which banking products does it offer?
Its products include accounts, cards, payments, digital onboarding, savings, lending, and Buy Now, Pay Later services.
Which regions and local IBAN countries are listed?
Vodeno says access to Aion Bank's licence can support services across 15 EU markets. Local IBANs are listed in Belgium, Germany, Poland, and Sweden.
Can it connect to legacy banking systems?
Yes. Vodeno offers an Integration Bridge for legacy integration patterns such as SOAP or MQ.
What security and compliance capabilities does Vodeno describe?
Vodeno describes KYC/AML and anti-fraud management with 500+ controls. It says client activities are chronologically logged, encrypted with customer-specific keys, and linked using blockchain algorithms.
Facts from Vodeno Cloud Platform's own pages
- Architecture
- The platform uses a multi-tenant design and says tenant clients’ data remains fully separated. · vodeno.com, 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, 3 Oct 2026
- Banking products
- Its products include accounts, cards, payments, digital onboarding, savings, lending, and Buy Now, Pay Later services. · vodeno.com, 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, 3 Oct 2026
- Compliance
- The solutions page lists AML and compliance services and says its controls include EBA, GDPR, and ISO standards. · vodeno.com, 3 Oct 2026
- Core banking
- The platform uses a no-code methodology and smart contracts to define and automate banking processes. · vodeno.com, 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, 2 Oct 2026
- Founded
- 2018 · vodeno.com, 28 Sept 2026
- Headquarters
- Warsaw, Poland · vodeno.com, 28 Sept 2026
- Integrations
- Vodeno says nearly 90 fintech partners are integrated into the platform to provide end-to-end embedded banking solutions. · vodeno.com, 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, 3 Oct 2026
- Notable product limit
- Vodeno describes its BNPL instalment loan option as split payments over two to 24 instalments. · vodeno.com, 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, 3 Oct 2026
- Pricing
- The platform page invites prospective customers to enquire and schedule a demo; it does not state a price. · vodeno.com, 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, 3 Oct 2026
- Products
- The platform offers accounts, onboarding, payments, cards, savings, lending and Buy Now, Pay Later services. · vodeno.com, 2 Oct 2026
- Security
- Vodeno says ledger activities are chronologically logged, encrypted with customer-specific keys, and linked using blockchain algorithms. · vodeno.com, 3 Oct 2026
- Support
- The solutions page describes a 24/7 multilingual Customer Support Centre. · vodeno.com, 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, 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, 2 Oct 2026
- Who it is for
- Vodeno says the platform serves banks, licence holders and businesses, with banking products for retail and corporate end users. · vodeno.com, 2 Oct 2026
Where Vodeno Cloud Platform stands on Freedom251
- Banking-as-a-Service Platforms#28 of 31