In 2024 about one payment in three cleared through CERTIS, the Czech National Bank's koruna system, went as an instant payment. Czech users expect money to move in seconds, and your app will be judged on that. We provide the customer apps, the account logic and the back office, so your Prague team can focus on the licence and the customers.
Global business accounts, multi-currency payments and cross-border solutions, supported by Crassula APIs and BaaS connections.
Read case study: Multipass
Account details, SEPA payments, card issuing, KYC onboarding and multi-currency exchange in one financial product.
Read case study: LuxPayA CZK e-money account for everyday spending and an EUR account for travel, online shopping and payments from abroad, both visible on one screen with their own history.
Customers get a virtual card straight away and can order plastic when they want one. They set limits and block the card themselves. You hold the contract with the card issuer.
Onboarding for companies and their owners through connected verification providers, extra users with their own rights and payment batches that need a second signature.
SEPA and SEPA Instant for euro transfers, useful for customers who earn or spend in the euro area while living in Czechia.
Vaults for setting money aside, clearly labelled as e-money without interest so nobody confuses them with a savings account.
Each requirement, what the platform gives you for it and who owns it after launch.
Back office roles so the management in Prague approves customers, limits and exceptions, with every action logged.
YouA clear list of the e-money and payment services the platform performs, as input for your business plan and budget for the first three years.
You, with your lawyersTechnical descriptions of the platform in English, organised so a translator can deliver the Czech version.
You, with our inputBalances held on a ledger you reconcile against the safeguarding method you choose, with exports your finance team checks every day.
Your finance teamTwo-factor verification for login and payment confirmation in the web and mobile apps.
CrassulaOnboarding questionnaires per client type, identity checks through connected providers and client limits. Screening and monitoring run in the tools you connect.
Your AML officerCustomer messages and transaction history in the back office, so your support team can trace a disputed payment quickly.
Your support teamArchitecture, hosting, subcontractors and exit information for your ICT documentation.
You, with our inputRails your customers can use
Rules that change what you have to build, in the order they apply.
DORA applies to Czech EMIs. The CNB file should show how the app stack is covered by your ICT risk framework.
Czech EMIs that offer euro credit transfers must be able to receive instant euro payments. This date is the same inside and outside the euro area.
Sending instant euro payments and checking the payee name before a euro transfer goes out become mandatory too. EMIs in Slovakia or Austria face sending three months earlier and have checked payee names since October 2025.
Until this date Czech providers may limit instant euro payments sent from koruna accounts outside business hours.
PSD3 and the Payment Services Regulation are expected to apply, merging the e-money regime into the payment institution rules.
The CNB accepts the application only in electronic form, through a data box or e-mail with a recognised electronic signature, and charges CZK 50,000 to receive it. A file that answers the IT questions at the first attempt saves months. We set up the environment and write those sections with you.
Talk to us about your applicationCrassula provides technology and documentation support. We do not provide legal or regulatory advice and cannot guarantee the outcome of an application.
A configured environment to show the regulator, not slides.
IT systems and security, ICT risk and DORA, outsourcing and business continuity sections for your CNB file, written for translation into Czech.
Banking, safeguarding and KYC providers from our network, matched to your licence.
Think of a team in Prague building an account for freelancers who invoice clients in Germany and Austria in euro but pay rent and taxes in koruna. Their demo for the CNB shows a CZK and an EUR account side by side, a virtual card and a SEPA Instant payment arriving in seconds.
During the review the team agrees safeguarding with a Czech bank and decides how koruna payments will run through it. Direct participation in CERTIS stays on the list for later, once volumes justify the extra operational work.
Licence background: the Czech EMI and PI guide and our overview of EMI licensing in the EU.
The questions teams ask us before a first call.
Not covered here?Bring your question to a demo with our team.Tell us your licence and country. We will map the rails, providers and documents you need.
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