“Can a Canadian MSB-licensed white-label banking platform become the go-to turnkey financial OS for neobanks, EMIs, and MSBs that need cross-border multicurrency settlement without building their own infrastructure?”
Founded in 2023, Ibanly is a white-label banking software platform positioned as a turnkey solution for neobanks, EMIs, payment institutions, and MSBs. Operating under a Canadian MSB license (IBAN TRANSFER LIMITED), it focuses on cross-border multicurrency settlements and treasury management for underserved businesses globally. The company differentiates itself by partnering with European EMIs to extend SEPA and e-money capabilities without holding an EU EMI license itself.
Ibanly discloses Licensed European EMI partners (unnamed) as its banking provider, according to the Embedded Finance Index 2026.
Ibanly does not disclose a bank charter of its own; its banking services are provided through Licensed European EMI partners (unnamed).
Ibanly processes payments through Ibanly Mass Payments (self-operated). Disclosed money-movement rails: SEPA.
Ibanly uses Sumsub for KYC and identity verification.
The Embedded Finance Index 2026 maps 4 layers in Ibanly's stack: Payments / PSP (Ibanly Mass Payments (self-operated)); Money movement (SEPA); Banking / BaaS (Licensed European EMI partners (unnamed)); KYC (Sumsub).
Ibanly is founded in 2023 and headquartered in Vancouver, BC, Canada.
Get a read on where your own stack stands against Ibanly and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.