People in Poland pay online with a six-digit BLIK code and send zloty to a phone number without a second thought. A new e-money app is measured against those habits from the first login. We supply the branded apps, the e-money ledger and the back office, and help you write the IT chapters of your KNF file.
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: LuxPayMulti-currency e-money accounts, each with its own balance and history. Customers switch money between PLN and EUR at the rate you set in your price list.
A virtual card appears at sign-up and can be turned into plastic later. Freezing, unfreezing and spending limits sit in the app, while the card contract stays between you and the issuer.
Business onboarding with director and beneficial owner checks through connected providers, several users per company and payment batches that wait for a second approval.
SEPA and SEPA Instant for euro payments, so a customer can pay a supplier in Germany or receive a refund from Spain from the same app.
Vaults where customers set money aside for a holiday or a tax bill. They stay e-money and are labelled that way, since an EMI cannot pay interest.
Each requirement, what the platform gives you for it and who owns it after launch.
Back office roles and permissions, so your Polish management board approves customers, limits and exceptions, with each action logged.
YouA plain list of the e-money and payment services the platform performs, so your business plan, capital and own funds work from the same scope.
You, with your lawyersBalance data per account and currency from the reporting endpoints, so the figures you report start from the ledger.
Your finance teamCustomer balances kept on a ledger you reconcile against the segregated account, guarantee or insurance you choose, with exports for the daily check.
Your finance teamTwo-factor verification in the web and mobile apps for sign-in and payment confirmation.
CrassulaOnboarding questionnaires by client type, identity checks through connected providers and client limits. Screening and monitoring run in your connected tools.
Your AML officerArchitecture, hosting, subcontractor and exit details for your ICT policy and the register KNF expects.
You, with our inputTechnical descriptions of the platform in English, structured so your translator can turn them into Polish chapters.
You, with our inputRails your customers can use
Rules that change what you have to build, in the order they apply.
DORA applies to Polish EMIs. Your file should show where the app stack sits in your ICT risk framework and register of information.
Polish EMIs that offer euro credit transfers must be able to receive instant euro payments.
The same EMIs must also send instant euro payments and check the payee name before a euro transfer leaves. In the euro area, EMIs have had to check payee names since October 2025. Poland, outside the euro area, follows here.
Last day on which a Polish provider may hold back instant euro payments sent from zloty accounts outside business hours.
PSD3 and the Payment Services Regulation are expected to apply and to fold e-money institutions into the payment institution regime.
KNF has three months to decide, counted from the day your application is complete. Each request for more documents pushes that date back, so the IT chapters need to be right the first time. We set up an environment and write those 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.
IT architecture, customer authentication, ICT risk and DORA register data, outsourcing and business continuity sections, ready for translation into Polish.
Banking, safeguarding and KYC providers from our network, matched to your licence.
Picture a team building an account for people who moved to Poland for work. They are paid in zloty, keep savings in euro and send money to relatives elsewhere in the EU. The founders set up a Polish company, raise the capital and open their KNF file with a branded demo: a PLN and an EUR account, a virtual card and a SEPA Instant payment that lands in seconds.
While KNF reviews the file, the team tests onboarding in Polish and English, signs a safeguarding agreement with a Polish bank and agrees how zloty transfers will run through that bank. BLIK goes on the roadmap as a second phase, discussed with their rails provider once the licence is granted.
Background reading: the Poland KNF payment licensing 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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