ComplyPay
“Can a non-bank, DLT-powered wallet infrastructure become the default escrow and payouts layer for European platforms?”
HQCopenhagen, Denmark
FoundersStefan Krumbæk, Mads Stolberg-Mathieu
IndustryInfrastructure / Payments
The story
ComplyPay is the trading name of Danish payments company ZTLment ApS. The company offers API-based 'compliant wallet infrastructure' — virtual IBAN wallets, multi-currency payouts, escrow-like splits and KYC — pitched to marketplaces and SaaS platforms. The product is powered by distributed ledger technology and rides on Banking Circle's payment infrastructure for global payouts.
Product timeline
0
ZTLment ApS founded in Copenhagen, CVR 41801298· founding
2025
Partners with Banking Circle to power global payouts under the ComplyPay brand· banking
Regulated entities
1
regulatory licence held by ComplyPay
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
6 layers disclosed in ComplyPay’s embedded-finance stack
Payments / PSP
ComplyPay (self-operated)
Banking / BaaS
in the full report
Ledger
in the full report
Unified APIs
in the full report
Sponsor bank
in the full report
FX & payouts
in the full report
Accounting gap: significant
5 more providers across 5 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.