Institutional financial infrastructure

We build neobanks. Seamless integration into the global financial system

Необанк
Здесь и далее – лицензированная финансовая компания под надзором регуляторов: EMI, PEMI, PI, PIS, MSB – вплоть до специализированного банка, в зависимости от юрисдикции

Norlerr is a European investment banking company. We design and build licensed and regulated payment, banking and neobanking infrastructure.

01

Design and structuring

We design the structure, select the licence type and plan the integrations

02

Licensing and GR

We select the licensing country, lead negotiations with GR, legal and IR stakeholders, and manage passporting

03

Connectivity and integration

Connections to the global financial system, including T2, SEPA, SEPA instant payments, SWIFT, Visa and Mastercard

04

Infrastructure management

If required, we manage and develop the infrastructure throughout its lifecycle

Explore what a neobank could do for you.

The result

You own a neobank directly integrated into the global financial system

Licensed and regulated financial infrastructure for strategic and operational needs. The capabilities available depend on the licence type, jurisdiction, connections and regulatory requirements.

Capabilities

A neobank’s infrastructure offers a range of functions comparable to that of a traditional bank. Restrictions apply to deposits, lending (except short-term lending) and certain other activities.

  • TARGET2
  • SEPA
  • SEPA Instant
  • SWIFT
  • EUR-IBAN
  • US RTN
  • VISA
  • MasterCard
  • Alipay+
  • UnionPay
  • Multi-currency
  • Платежи: по счету, карточные, QR
  • FX
  • t+0
  • KYC/AML
  • Escrow

Integration coverage

  • EU
  • US and Canada
  • MENA
  • LATAM and Mercosur
  • South-East Asia
  • South Africa
Who needs a neobank
Expertise

We build financial and payment infrastructure

Norlerr

End-to-end delivery

01 Design and structuring

We design the neobank around the client’s objectives and business model..

We define the structure, determine the licence type and specify the intended outcome.

02 Licensing* and GR

We secure all the necessary licences and the right to operate in every EU country.

We select the licensing country, lead negotiations, handle government relations (GR), legal work and investor relations (IR), and manage passporting.

03 Connectivity and integration

We integrate the neobank into the global financia

We establish direct connections to financial systems across the EU, the US and Canada, MENA, Latin America and Mercosur, South-East Asia and South Africa.

04 Infrastructure management

After launch, we manage the infrastructure, its round-the-clock operation and ongoing development.

If required, we continue throughout its lifecycle.

* We do not provide licensing as a standalone service.

Additional services

Strategy and development

We apply our market knowledge and industry relationships to develop your business.

*For existing clients only.

Mergers and acquisitions (M&A)

Enter the market quickly by acquiring an established neobank, with or without existing connections.

Market intelligence and research

We collect and analyse market data from public and non-public sources, monitoring licences, regulatory orders and market participants.

More about Norlerr

Approach · principles · scope

What sets us apart

An investment banking approach to building financial infrastructure

A neobank ready to operate

The neobank is built under the client’s ownership from the outset, ready for operations.

Integration into the global financial system

Beyond licensing, we connect the neobank to all the key systems through which payments flow.

Integration into your business processes

The neobank is embedded in your business processes and operates within your business.

Hands-on execution

We immerse ourselves in every transaction: the objectives, market, regulatory requirements and counterparties. From design to launch.

Engagement models

Different ways to work with Norlerr, tailored to the client’s objectives.

End-to-end delivery

Design · licensing · passporting · connectivity · management

Design and licensing

Design · licensing

M&A / Merchant & Investment Banking

Acquire an established neobank, with or without adding connections.

Connectivity and management

Connections to payment systems · infrastructure management

Strategy and development

Management of the infrastructure, its operation and ongoing development. For existing clients only.

Research and insights

Outside our scope

Norlerr does not undertake projects involving:

Neobank licensing in jurisdictions with reputational concerns
Gambling, casinos or adult content
Clients or sectors with unacceptable sanctions or compliance risk
Licences with no realistic path to infrastructure connectivity
Early-stage businesses that do not need Norlerr’s services
M&A transactions outside a financial infrastructure project
Ongoing consulting as a standalone service
•••
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