Products

Built in-house.
Live in production.

Most consultancies describe how a regulated product should be built. We have built and operate four of them. Open banking rails, a PLN stablecoin under MiCA, a consumer payments app on PSD2 and DLT infrastructure for capital markets - each one went through licensing, audits and go-live with our own name on the line.

Fizen PLT PykPay Bynet
Fizen logo Live
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Open banking infrastructure

Fizen

The open banking backbone behind our other products.

A licensed AISP/PISP platform connecting 50+ banks across 7 CEE markets, with 10K+ account-information requests a day and PSD2-grade consent management. Fizen is the group's regulated entity and the rails that PykPay and PLT run on.

Binar's role
Designed, built and operated by Binar. Fizen is a Binar group company.
Regulatory regime
PSD2 AISP / PISP, EU passporting
Stack
Bank API aggregation, SCA, consent management, monitoring, enterprise SLA
PLT logo Live
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PLN stablecoin · MiCA e-money token

PLT

A Polish zloty stablecoin, 1:1 backed, built for MiCA from day one.

PLT is a PLN-denominated e-money token with institutional reserve management and an EMT compliance layer. Multi-chain issuance (Cardano, Ethereum, Polygon, Solana) and retail off-ramp through BLIK, MoneyGram and card rails. Issued by Fizen together with NBX.

Binar's role
Architecture, smart contracts, reserve and compliance layer, issuer integration - built by Binar; operated by Fizen.
Regulatory regime
MiCA e-money token (EMT), EMI framework
Stack
Multi-chain smart contracts, mint/burn, reserve reporting, off-ramp integrations
PykPay logo Live
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Link-to-pay mobile app · PSD2 PIS

PykPay

Poland's first link-to-pay app.

A consumer mobile app that lets anyone request money with a link and get paid straight from a bank account, no card and no wallet top-up. React Native app, Fastify API, hosted payment page, PSD2 payment initiation through Fizen. Live in the App Store and Google Play.

Binar's role
Full-stack delivery and ongoing operation by Binar.
Regulatory regime
PSD2 payment initiation (PIS) via Fizen
Stack
React Native, Fastify, PSD2 PIS, payment page, push notifications
Bynet logo Live MVP
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DLT infrastructure · capital markets

Bynet

From an order-book DEX on Cardano to a digital-asset network for brokerage houses.

Bynet started as Bynet Protocol, a Binar spin-off that built the first order-book DEX on Cardano's eUTxO model together with a mobile wallet, shown live at Cardano Summit. The same team and infrastructure now power Bynet: a digital-asset network for brokerage houses covering tokenized bonds, 24/7 atomic settlement in regulated stablecoins and custody-grade compliance (ERC-3643).

Binar's role
Founded and built by Binar. Protocol open-source; the brokerage network is onboarding its founding partner.
Regulatory regime
MiFID instruments on DLT, MiCA settlement assets, KDPW CSDonDLT-ready
Stack
Plutus / eUTxO, ERC-3643, wallet infrastructure, atomic DvP settlement, compliance layer

Why this matters for your project

01

We have sat on the other side of the regulator's table

Licensing files, MiCA whitepapers, PSD2 audits and bank due diligence - we have done them for our own products, not only advised on them.

02

Infrastructure you can reuse

Open banking rails, a regulated PLN settlement asset and tokenization contracts already exist. Your project can start from them instead of from zero.

03

Skin in the game

We recommend what we would run ourselves, because we do run it ourselves. Every product here is in production under our own brand.

Want to build on what we already run?

Tell us what you are building. We will show you which parts already exist and which we would build with you.

Let's talk