Swinto

Swinto operates as a Kosovo-based digital wallet and neobank, offering SEPA Instant transfers, institutional payments, and consumer credit through embedded lending partners. The company partnered with Currencycloud to underpin its cross-border FX infrastructure, positioning itself as a formalization tool for Kosovo's largely cash-based economy. Lending is offered on a white-label/referral basis via Virtus Lending rather than on Swinto's own balance sheet.