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 is for
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 is good
- 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.
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.
Compared on banking-as-a-service platforms
- Card issuing
- Yes
- Embedded accounts
- Yes
- Payment rails
- sepa
- KYC/AML tools
- Yes
- Ledger
- Yes
- Supported regions
- 15 EU markets; local IBANs in Belgium, Germany, Poland and Sweden
