Vodeno is a European Banking-as-a-Service (BaaS) provider that enables businesses to embed financial products directly into their own offerings. Its cloud-native, API-based platform delivers accounts, cards, payments, lending, savings, and digital onboarding as modular building blocks, so partners can integrate only the components they need. The platform operates in partnership with Aion Bank, which holds a European Central Bank banking licence, allowing Vodeno to handle the regulatory, compliance, and operational complexity - including KYC and AML - on behalf of its clients.
The platform is designed for businesses across Europe that want to offer financial services to their customers without taking on a banking licence or the associated regulatory burden themselves. Its modular architecture means clients can compose a tailored set of capabilities rather than adopting a fixed product stack. Vodeno was previously backed by Warburg Pincus and has since been acquired by UniCredit Group.
The team draws predominantly from financial services and technology backgrounds, working across domains that include cloud infrastructure, API design, embedded finance, card issuing, payments engineering, and compliance technology.
