COMPANY detail

FINLEGO
Modular. Integrated. Compliant

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FINLEGO
Company Overview.
Year Founded 2020
Status Private
Specialties BaaS, Crypto Infrastructure
Company Size 11-50 Employees
Industry IT System Custom Software Development
Location London, UK
Description.

FinLego is a UK-based modular banking and Web3 infrastructure provider founded in 2020, headquartered at 86-90 Paul Street, London. The company offers a composable fintech platform that enables businesses to launch financial products in weeks rather than months. FinLego's unique value proposition is its ability to support both traditional banking and digital assets natively on a single platform. The company provides modular solutions including Core Banking, Wallet-as-a-Service (custodial and non-custodial), Card Issuing (virtual and physical), Crypto Payments, Crypto Wallets, KYC/AML tools, and Mobile Applications. FinLego specifically targets crypto and Web3 companies, offering solutions for Crypto Banks, Crypto Cards, Crypto Exchanges, and Crypto Wallets. The platform boasts 30+ pre-integrated partners including Railsr, SumSub, BitGo, and leading European banks. The company operates as FNL Tech Ltd, a UK-registered business, and claims to power dozens of live products globally. Notable features include ISO 27001 certification, PCI-DSS ready infrastructure, and compliance with PSD2 and VASP regulations

Key Infrastructure.
Crypto Card Issuing Issue branded physical/debit cards linked to crypto or fiat wallets with real-time balance sync, currency conversion, and user spending controls
Crypto Payments Accept and process cryptocurrencies with institutional-grade payment flows, instant settlement, and fiat gateway connections
Core Banking System Multi-entity, multi-currency core banking with IBAN support, real-time processing, and scalable architecture for modern financial institutions
Crypto Wallets Secure multi-asset crypto wallets with real-time balance tracking, transaction histories, and cold/hot wallet configurations
Wallet-as-a-Service Launch branded digital wallets with multi-currency support, instant transfers, and integrated onboarding for both custodial and non-custodial options
Double-Entry Ledger Regulatory-grade accounting engine with traceable, auditable transactions and full audit trails for compliance
Additional Features.
Real-time FX
Real-time fiat and crypto currency conversion with routing rules, markup controls, and slippage limits
Spend Controls
Dynamic spending limits per card, transaction types, and merchant categories
Multi-bank Connectivity
Connect to multiple bank partners for diverse account types and payment rails without own license
Fraud Detection
Real-time transaction monitoring and velocity limits
Card Tokenization
Tokenization for digital wallet integration (Apple Pay, Google Pay)
Compliance Reporting
Automated regulatory reporting and audit-ready compliance tools

GENERAL Questions.

What does this company do?
FinLego provides a modular BaaS platform specifically designed for crypto and Web3 companies, enabling them to launch banking, card, and wallet products in weeks. The platform supports both fiat and crypto natively, offering core banking, wallet-as-a-service, crypto card issuing, crypto payments, and compliance tools through pre-integrated modules.
Who are their main clients?
FinLego targets fintech startups, neobanks, crypto banks, crypto exchanges, digital wallet providers, and Web3 platforms. Their specific solutions include Crypto & Web3 Banks, Crypto Cards, Crypto Exchanges, and Crypto Wallets.
Are they licensed?
FinLego operates through a network of licensed banking and compliance partners across jurisdictions (EU, UK, LATAM, MENA, Africa, APAC). They do not hold their own banking license but provide the technology infrastructure that connects to licensed partners.
What blockchains/stablecoins supported?
FinLego supports multi-chain crypto wallets and accepts various cryptocurrencies. Specific chains and tokens are not listed, but the platform is designed for institutional-grade crypto payment flows with fiat on/off ramps.