“Can an embedded-finance account built on ClearBank modernise the entire Dutch legal-guardianship (bewindvoering) banking workflow?”
Modura was developed as a joint initiative between NBBI (Dutch not-for-profit for legal guardians) and Orenda's embedded finance platform, using ClearBank Europe N.V. as the underlying bank. The product targets the ~350,000 Dutch citizens under legal guardianship (bewindvoering), replacing a legacy workflow where opening a guardianship bank account could take four weeks or longer. Modura is explicitly not a bank itself — it is a payments/account solution running on ClearBank rails and distributed to professional guardians.
Modura discloses ClearBank and Orenda as its banking providers, with ClearBank Europe N.V. as its sponsor bank, according to the Embedded Finance Index 2026.
Modura does not disclose a bank charter of its own; its banking services are provided through ClearBank Europe N.V..
Modura processes payments through ClearBank.
The Embedded Finance Index 2026 maps 3 layers in Modura's stack: Payments / PSP (ClearBank); Banking / BaaS (ClearBank and Orenda); Sponsor bank (ClearBank Europe N.V.).
Modura is headquartered in Netherlands.
Get a read on where your own stack stands against Modura 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.