One licence, three products: a fintech from Poland for the whole EU

Why Open Banking

People's money is already in the bank. Account data answers questions that today take hours: who has paid for the class trip, whether a tenant can afford the rent, where the household's money disappears every month. The answer sits in the account. What was missing was a safe way to read it with the owner's consent. That is what Open Banking is.

One licence instead of three

Access to account data requires an account information service provider (AISP) licence. Getting your own takes years, capital and ongoing supervision. We chose another route: we work with Enable Banking Oy, a licensed AISP supervised by the Finnish FIN-FSA, which connects over 2,500 banks in more than 30 European countries.

As a result, every new veinito. product starts with ready, lawful access to banks across Europe. The products have their own brands and are built separately, each for its own people. What they share is the licence, the agreement with Enable Banking and the experience we carry from one product to the next.

Three products, three different problems

ClassKasa is for treasurers and parents of children at schools and preschools. Collecting money for trips, gifts and school supplies usually means a spreadsheet, messages to parents and ticking off transfers by hand. In ClassKasa, a payment by bank transfer matches itself to the right family. The app runs in 15 language versions.

CzynszOK is for tenants. Instead of sending statements to strangers and showing their salary, the tenant connects an account once and the bank confirms income and rent payment history. The landlord scans a QR code and sees "Rent OK", with no amounts.

Kasandro is for households whose money is spread across several accounts and banks. It shows where the whole family's money goes and how habits change over time. It offers insight, not investment advice.

Why the whole EU from the start

PSD2 applies across the European Union under the same rules. A bank in Poland and a bank in Spain share data through the same kind of interface, and Enable Banking brings them together in one connection. A national border is therefore not a technical barrier for us, only a matter of language, currency and local habits.

That is why we design for many languages from day one. ClassKasa comes in 15 language versions and has domains in several countries. Kasandro launches in Poland but already has English, German, French and Spanish versions. We are from Poland, and we build for Europe.

The principles we keep

• Read-only. We use the AIS service only. We never initiate payments and have no access to money.
• Minimum data, shortest time. Each product takes only the data it needs. CzynszOK deletes the raw bank data right after issuing a certificate.
• Clear consent. You give consent in your own bank, see its scope and duration, and withdraw it with one click.
• No data trading. We do not sell data, show ads or profile people for credit.
• For people, not IT departments. A class treasurer, a tenant, a couple with four accounts. We design for them.

What comes next

Each of the three products has further markets ahead, and the same licence lets us build the next ones. If you have an idea for a product built on account data or want to talk about a partnership, write to hello@veinito.com.