Binar is a boutique fintech consultancy helping financial institutions and startups navigate blockchain, stablecoins, tokenization, and AI-driven innovation. We bridge Business, Regulation, and Technology - working across all three daily, with 10+ years of experience and 80+ engineers specialized in financial infrastructure. We have delivered 50+ fintech projects across 20+ countries with built-in MiCA, PSD2, FATF, and SOC2 regulatory expertise. ISO 9001 certified by DEKRA.
Open Banking (PSD2/PSD3) - AISP/PISP infrastructure, multi-bank aggregation across the EU. Payments Infrastructure - real-time payments, A2A, SEPA Instant, settlement systems and orchestration. Stablecoins & E-Money Tokens (EMT) under MiCA - architecture, reserve management, regulatory reporting. Tokenization & Digital Assets (RWA) - real-world asset tokenization, security tokens, DLT Pilot Regime. Digital Identity & eIDAS - bank-grade KYC/KYB, identity verification, AML decisioning. AI Agents in Finance - payment automation, compliance monitoring, fraud detection compliant with the EU AI Act. Banking APIs and core integrations, card issuing platforms. DeFi Protocols - DEX development, lending protocols, liquidity solutions. Layer 1 and Layer 2 development - custom blockchain networks, rollups, scaling solutions. Regulatory-Native Product Design - MiCA, PSD2, FATF compliance embedded from concept. iGaming Expertise - payment solutions, KYC systems, regulatory compliance for gaming operators.
Banking and Neobanks, Fintech and Payments, Crypto and Digital Assets, WealthTech, Lending and Credit, Insurance (InsurTech), RegTech, iGaming, Embedded Finance, Marketplaces, Public Sector, and Retail.
We publish deep-dive analysis on PSD2/PSD3 and Open Banking, MiCA regulation and the EU crypto market, EMI licensing across European jurisdictions, tokenization of real-world assets (RWA) and architecture patterns, cross-border payments comparing SWIFT and blockchain rails, AI-powered AML systems beyond rule-based detection, and Digital Product Passports on blockchain under EU ESPR. Content is available in English and Polish.
Tokenizing real-world assets sounds deceptively simple but in regulated environments it is an end-to-end system architecture problem spanning legal structures, custody, compliance, accounting, payments, and data synchronization. Production RWA platforms converge on the same patterns: legal-first design with SPVs as the legal wrapper, a Claim Registry as the golden source of truth, a dual-ledger architecture combining on-chain transfer logic with off-chain legal ownership, a Compliance Gate between user intent and settlement, a Settlement Orchestration Layer handling delivery-vs-payment, a Corporate Action Engine for dividends and redemptions, recovery and freeze controls for court orders and lost keys, and a robust integration surface for asset lifecycle, compliance, registry, payments, and reporting APIs. The token is never the asset itself - it is a digital representation of a legally enforceable claim.
An Electronic Money Institution (EMI) license under EU directive 2009/110/EC allows issuance of electronic money and provision of payment services. Passporting lets a single national license unlock the full EU market, making jurisdiction choice strategic. The licensing journey covers business plan and financial projections, governance and key personnel, AML/CFT framework, IT and operational resilience under DORA, safeguarding of client funds, and capital requirements (EUR 350,000 minimum). Regulators care about safeguarding architecture, governance substance, AML maturity, ICT resilience, and outsourcing controls. Popular jurisdictions include Lithuania (fast track), Ireland (English-speaking, robust supervision), Luxembourg (premium, institutional reputation), Malta (crypto-friendly), and the Netherlands (mature regulator, longer timelines).
Selected delivery work includes Fizen (leading CEE Open Banking integrator across 50+ banks in 7 markets), PLT (PLN-pegged stablecoin with MiCA/EMI architecture), GovTool (Cardano blockchain governance platform), Adorsys (Wero payment integration for German market), Byron (DeFi protocol on Cardano), BankID (AI-powered identity verification), Token (PSD2 integration for Polish banks), Brave Mjolnir (Ethereum testing infrastructure), FIDA (Cardano investment and insurance platform), BIN (bike identity RWA platform on Cardano), Digital Cash L1 (UTXO-based blockchain), Beyond (SMB fintech charity platform), BitBay (native mobile crypto trading apps), and PYK (Link-to-Pay Open Banking mobile app).