German customers will hold your app up against their Sparkasse or direct bank. Launch with apps in your brand, accounts, cards and instant transfers on a platform you can already show BaFin while it reviews your application.
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: LuxPayCustomers open an account with an IBAN in the app, receive their salary and pay rent by SEPA transfer or direct debit. Legally the balance stays e-money, and your app says so.
A virtual card right after sign-up and a plastic one on request, with freezes, limits and PIN handled in the app. You sign the contract with the card issuer yourself.
SEPA Instant from the app, carrying the data your payments provider needs to verify the payee before the customer confirms.
Pots for holidays or tax money, with no interest promised, and a push notification for every booking.
Onboarding for freelancers and limited companies, several users with roles, batch payments with approval and transaction exports for the bookkeeper.
Consent screens for account information and payment initiation services, so customers can connect their finance and tax apps.
Each requirement, what the platform gives you for it and who owns it after launch.
A write-up of the app architecture, hosting, role model, two-factor login and audit trail to base your risk assessment on.
Crassula drafts, you sign offA ledger that shows outstanding e-money per customer, with exports for the daily match against your trust account.
Your finance team, on platform dataTwo-factor login and payment confirmation in all three front ends.
CrassulaQuestionnaires by customer type, identity checks through connected providers and per-customer limits. Reviewing suspicious cases stays with you.
Your money laundering officerWeb and mobile front ends whose content and presentation your team can adapt and test against the requirements.
You, with our inputService description, subcontractor list, audit and access rights, and exit support for your outsourcing assessment.
You, with our inputReporting endpoints and exports on accounts, balances and transactions as the data source. You prepare and file the return.
You, on platform dataRails your customers can use
Rules that change what you have to build, in the order they apply.
DORA applies. BaFin withdrew its ZAIT IT circular for payment and e-money institutions as of 16 January 2025, so DORA is now the IT rulebook.
Germany's Accessibility Strengthening Act (BFSG) covers consumer banking services, your e-money app included.
Verification of Payee applies to every payment service provider in the euro area, e-money institutions included, on all credit transfers, not only instant ones.
E-money institutions in the euro area must be able to send and receive SEPA instant payments.
The EU Anti-Money Laundering Regulation applies directly, adding one set of due diligence rules on top of the German GwG.
A section 10 ZAG application must include a security strategy, the outsourcing arrangements and the measures that safeguard customer money. A working app lets you answer those points with something concrete, and we write the technical chapters 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.
Security strategy, outsourcing, ICT risk under DORA and business continuity sections of your BaFin application.
Banking, safeguarding and KYC providers from our network, matched to your licence.
Picture a founding team in Berlin building an account for freelancers that puts tax money aside, set up as an e-money institution. Before filing, we configure an environment in their brand: German interface, onboarding for freelancers, virtual cards and sub-accounts for VAT.
That environment is what the security strategy and outsourcing chapters of the application describe. While BaFin reviews the file, the team connects its trust account bank and card issuer and rehearses the daily section 17 ZAG reconciliation on test data. Once the licence is granted, the same platform goes live.
For the regulatory side, read our BaFin ZAG 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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