RaaS · Technology + Licence

Launch Your Money Transfer
Business Across
🇪🇺 Europe (27 Countries).

Launch under RemitSo's EU EMI-regulated infrastructure with the full white-label platform included. Your brand, your customers, your revenue — from week one.

✓No licence required to start
✓Zero revenue share
✓Live in 4–8 weeks
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What is RaaS (Remittance-as-a-Service)?

RaaS bundles the technology platform (white-label apps, back office, compliance) with regulatory sponsorship under our EU EMI-regulated entity. You launch under our licence, build your customer base, and upgrade to your own licence when it makes commercial sense. You keep 100% of your revenue — we charge only a flat fee.

T+0 Settlement
SEPA Instant
Single Licence
27 Countries
Fully Compliant
AMLD6
Data Ready
GDPR
Platform + Licence

Technology and Regulation.
Together in One Package.

Other providers give you either the technology or the licence. RemitSo RaaS gives you both — pre-integrated, pre-approved, and ready to activate.

📱
Full White-Label Platform
Included in every RaaS package
✓iOS & Android apps under your brand
✓Customer web portal
✓Back office: FX engine, treasury, customer 360°
✓Automated AML/KYC/SAR compliance
✓21 transaction lifecycle states
✓Payout to 100+ countries
✓8 pay-in gateways (card, bank, wallet)
✓Dedicated AWS instance (99.99% uptime)
⚖️
EU EMI Licensed · 27 Countries
All EU/EEA Member States
✓No licence required to start operating
✓EU Electronic Money Institution, passported across 27 countries
✓SEPA Instant + SEPA Credit Transfer payment rails
✓Zero revenue share — flat fee only
✓Upgrade to own licence when ready
✓FATF globally recognised model
✓All compliance obligations handled
✓Live in 4–8 weeks
Regulatory Compliance

Every Regulation. Handled.

All compliance obligations for operating in Europe (27 Countries) are built into the platform and covered under our regulatory sponsorship.

EU EMI Licence
Single EMI licence passported across all 27 EU/EEA member states — no separate country applications.
AMLD6 Compliance
EU's 6th Anti-Money Laundering Directive compliance — CDD, EDD, beneficial ownership, PEP screening.
GDPR Ready
Full GDPR compliance for EU personal data. Data residency within EU infrastructure.
SEPA Instant Certification
Certified SEPA Instant participant — T+0 settlement across participating EU banks.
Payout Corridors

Top Corridors from Europe (27 Countries).
Ready to Activate.

The most popular send-from-Europe (27 Countries) corridors are pre-integrated and ready. Add more as you grow — 100+ countries available.

India (UPI/IMPS)Pakistan (IBFT)Morocco (CIH)Nigeria (Naira)Ghana (GH Cedis)Senegal (BCEAO)
See all 100+ payout countries →
Payout Methods Available
🏦
Bank Transfer
Direct to bank accounts globally
📱
Mobile Wallets
bKash, M-Pesa, GCash, UPI, Airtel
💵
Cash Pickup
Agent networks globally
Deployment

From Contract to Live
in 4–8 Weeks.

A structured, low-risk activation process — no regulatory approval cycles, no banking application delays.

Week 1–2
Onboarding & Setup
Contract signing, business model review, AWS instance provisioning, white-label branding configuration, and compliance framework setup for Europe (27 Countries).
Week 2–4
Integration & Testing
Payment gateway activation, payout corridor testing, SEPA Instant + SEPA Credit Transfer integration testing, KYC/AML configuration, and user acceptance testing.
Week 4–6
Compliance Certification
Regulatory documentation finalisation, compliance certification under EU EMI framework, API credential provisioning.
Week 6–8
Go-Live
Platform goes live in Europe (27 Countries). App Store & Google Play submission. First live transactions. Ongoing support and monitoring from day one.
Why RaaS Makes Sense

The Commercial Logic
is Compelling.

Building your own EU EMI licence costs 12–18 months and hundreds of thousands in legal fees. Here's the numbers.

Time to Market
4–8 Weeks vs. 12–18 Months
Obtaining your own EU EMI licence takes 12–18 months minimum — legal fees, regulatory engagement, compliance infrastructure. RaaS gets you live in 4–8 weeks under our existing licence.
Zero Revenue Share
Keep 100% of your FX spreads.
Other RaaS providers take 0.5–2% of every transaction. At any meaningful volume, that's tens of thousands of dollars per month lost. RemitSo charges a flat fee only — you keep everything you earn.
Brand Continuity
Your customers see only your brand.
Customers interact entirely with your brand — not ours. When you graduate to your own licence, the transition is seamless. All customer data, history, and relationships belong to you from day one.
Fixed Compliance Cost
Predictable cost regardless of volume.
Unlike revenue-share models where compliance costs grow with your volume, RaaS charges a flat fee. Your cost structure is fixed and predictable — critical for early-stage financial planning.
Upgrade Path
Build your licence in parallel.
While running on RaaS, you build your customer base and revenue. We support your own licence application when you're ready — technology transfer, compliance documentation, regulatory introductions.
FATF Recognised
Globally compliant model.
FATF (Financial Action Task Force) globally recognises the sponsor/agent model as a compliant structure for remittance services. You're operating within a well-established, accepted framework.
$2.5B+
Annual Volume
97%
AML Auto-Clear
100+
Payout Countries
0%
Revenue Share

Launch in Europe (27 Countries).
In 4–8 Weeks.

Platform + EU EMI licence together. Your brand, your revenue, your future.

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