About 2–2.5 minutes for a full read
Who This Is For
Launch and scale e-money services under the FCA-authorised EMI
EMD Agents / Fintech founders who want regulated e-money capabilities without building banking infrastructure
White-label apps or APIs. Multi-currency accounts,
UK/EU/SWIFT rails, FX, KYC/KYB, and real-time fraud controls
UK/EU/SWIFT rails, FX, KYC/KYB, and real-time fraud controls
FCA-authorised
UK-based
Enterprise security
ISO 27001 & 22301
What You Get
Everything below is included unless marked “Optional.”
Capability
API Integration
White‑label
Accounts & wallets (38+ currencies)
✓ via APIs
✓ out of the box
Payment rails (FPS, SEPA, SWIFT)
✓
✓
FX
Competitive spreads; instant conversion
Competitive spreads; instant conversion
KYC/KYB & screening
Embed flows
Prebuilt flows
Fraud & risk
APIs & webhooks
Preconfigured rules
Apps & UI
Build your own UX
Branded Web/iOS/Android
Time to market
Custom UX adds time
Fastest path
Engineering effort
Higher
Lower
Customisation
Unlimited via code
Configurable modules
Reporting
API + exports
Dashboards + exports
Ideal for
Platforms w/ dev teams
Turnkey launch
Typical go-live*
4–6 weeks+
4–6 weeks
*Timelines depend on scope, due diligence and approvals
Security & Data Protection
(applies to both paths)
Encrypted in transit & at rest; controls aligned with ISO 27001 & ISO 22301
Customer data stored/processed per GDPR and applicable UK/EU/US regulatory requirements
Rule of thumb
Every £1M processed ≈ £2k–£4k to you (after platform fees).
Scale it
£10M → £20k–£40k/mo
£50M → £100k–£200k/mo
£50M → £100k–£200k/mo
Plus
Add account fees and FX spread share on top.
Your effort
Minimal — DigiDoe handles compliance, onboarding, reporting, sponsor-bank ops.
ROI at a Glance
Show Me the Money
Show Me the Money
Illustrative ranges; final terms confirmed during onboarding
Outcomes You Can Achieve
Operational visibility
Real-time dashboards, alerts, audit trails
Lower compliance
overhead
overhead
Policies, screening, reporting out-of-the-box
Expert enablement
Hands-on staff training for EMD personnel by industry experts with a proven track record (playbooks, workshops, go-live readiness)
Customer trust
FCA framework + safeguarded client funds
Faster time-to-market
Go live in ~8–14 weeks
The Cost of Going It Alone
Legal & regulatory
Enforcement actions, licence delays, fines
Reputational
Negative press, de-banking, partner off-boarding
Financial
Fraud write-offs, chargebacks, sanctions hits
Business disruption
Failed audits, stalled delivery
Data/security
Breaches, weak access controls, remediation costs
Access to sponsor banks & rails
For new EMDs it’s costly, slow, bureaucratic (deep due diligence, long queues), stressful, with a high risk of rejection or unfavourable terms after months of spend
Compliance & Safeguarding
Continuous monitoring
AML/CTF, sanctions/
PEP screening
PEP screening
FCA-authorised EMI
Сlient funds safeguarded per EMRs (not FSCS-covered)
Talk to an expert
Discovery
2-3 days
Apply
docs in ~24h
2
3
EMD Agreement + sandbox
FCA notification/ approval
6–8 weeks
4
Integrate
4–6 weeks*
5
Go live
6
1
Pricing
Path to Go-Live
Transparent, usage-based pricing with custom terms for volume or specialised workflows
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