Before authorising an EMI, the ACPR asks the Banque de France for its opinion on the security of your means of payment. Show it an app that already runs, in your brand and in French, rather than a set of mock-ups.
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: LuxPayAccount opening from the phone, an IBAN, SEPA transfers and direct debits. The balance is e-money, and the terms say so plainly.
An instant virtual card, a plastic card later, limits, temporary freeze and PIN in the app. The issuer contract and the choice of network stay with you.
SEPA Instant from the app, with the name and IBAN data used for Verification of Payee.
Vaults to separate holiday or tax money, with no interest paid and a notification for every movement.
Onboarding for small companies and sole traders, several users with roles, batch transfers with approval and exports for the accountant.
PSD2 consent screens so customers can link their budgeting or invoicing tools to their account.
Each requirement, what the platform gives you for it and who owns it after launch.
A description of the apps' architecture, hosting, two-factor authentication, roles and audit trail.
Crassula drafts, you sign offA map of accounts and flows between the app, the ledger, your safeguarding account and your providers.
You, with our inputOutstanding e-money per customer at any moment, exportable for the match against the safeguarding account.
Your finance team, on platform dataService description, subcontractors, audit and access rights and an exit plan.
You, with our inputQuestionnaires per customer type, identity checks through connected providers and per-customer limits. Reports to Tracfin stay with you.
Your AML officerInterface, notifications and in-app documents in French, with your own terms and fee schedule.
You, with your lawyersTwo-factor login and payment confirmation on web and mobile.
CrassulaRails your customers can use
Rules that change what you have to build, in the order they apply.
DORA applies to EMIs: ICT risk management, reporting of major incidents and a register of ICT providers.
Verification of Payee becomes mandatory for every payment provider in the euro area, EMIs included, on all credit transfers.
Euro area EMIs must be able to send and receive SEPA instant payments.
The EU AMLR applies and harmonises the due diligence you now run under the French Monetary and Financial Code.
The file is filed in French through the ACPR authorisations portal, and annexes on internal organisation may be in English. We prepare the technical annexes with you and give you an environment to show the ACPR and the Banque de France.
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.
Payment security, outsourcing, ICT risk under DORA and business continuity sections of your ACPR file.
Banking, safeguarding and KYC providers from our network, matched to your licence.
Take a team in Lyon that wants to offer a mobile account to students and young professionals. Before its presentation meeting with the ACPR authorisation department, we set up an environment in its brand and draw the flow of funds with it: app, ledger, safeguarding account, card issuer.
Once the file is in, the ACPR comes back with questions and the Banque de France looks at payment security. The team answers from what already runs: two-factor login, limits, fund reconciliation on test data. On authorisation, the same platform opens to the first customers.
For the regulatory side, read our ACPR licence guide and the overview of e-money institutions 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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