MOORWAND

Moorwand is a London-based FCA-authorised Electronic Money Institution (EMI) established in 2013 and authorised by the Financial Conduct Authority under Reference No. 900709. The company provides essential payment infrastructure including BIN Sponsorship, Digital Banking, and Payments Compliance services to fintechs, EMIs, Authorised Payment Institutions, and payment companies across the UK and European Economic Area. As a principal scheme member, Moorwand enables its clients to issue physical and virtual cards through Mastercard, Discover, Diners Club International, and UnionPay International without requiring direct scheme membership.

The company serves as a critical Banking-as-a-Service (BaaS) provider, offering multi-currency accounts with dedicated GBP bank accounts (Sort Codes and Account Numbers) and EUR accounts (IBANs), along with Faster Payments in the UK and SEPA/SEPA Instant transfers in the Eurozone. Moorwand has demonstrated significant expertise in the crypto space through partnerships with major industry players including Tap Global (crypto app) and Bybit (crypto exchange) to enable crypto debit card programmes. The company maintains a dedicated safeguarding account structure for client funds in compliance with FCA regulations, ensuring client money is protected through complete segregation from operational accounts. Moorwand's partner ecosystem includes processors (Thredd, Paymentology, Marqeta), card bureaus (Tag Systems, Allpay), and KYC providers (Jumio, W2), positioning them as a comprehensive infrastructure partner for launching payment products.