Finowo

About Finowo

Payment infrastructure for
the Polish market.

Finowo develops technology solutions supporting payment processes, based on modern API-first architecture and regulatory expertise in the payment services market. We are preparing infrastructure enabling integration of payment functions with enterprise systems and digital platforms.

Why we started

We saw businesses in Poland struggling to integrate payment functions into their systems. Legacy banking APIs were slow, documentation was sparse, and compliance requirements kept growing — KYC, AML screening, transaction monitoring, GIIF reporting.

It didn't make sense. Companies building digital platforms deserved the same payment infrastructure as the largest enterprises — without the enterprise price tag or complexity.

So we built Finowo: modern API-first architecture, domestic transfers, and full regulatory compliance. With the compliance built in, not bolted on.

Our principles

01

API-first, always

We build payment infrastructure with APIs at the core. Every function is programmable, every integration is documented, every endpoint is production-ready.

02

Compliance is table stakes

KYC, KYB, AML screening, transaction monitoring, GIIF reporting — these ship with the product, not as paid add-ons.

03

One source of truth

Your transactions, your compliance records, your reconciliation data — all in one infrastructure. No CSV exports. No reconciliation nightmares.

04

Polish market expertise, European standards

We understand the nuances of Polish payment regulations, AML Act requirements, and GIIF reporting. Our infrastructure meets EU-grade security and data protection standards.

Meet the team

We're engineers, compliance specialists, and payment professionals who have built infrastructure for financial institutions and fintech companies. Now we're channeling that experience into the payment infrastructure we wish existed when we ran our own platforms.

8 people

Engineering

Backend, API, and infrastructure

4 people

Compliance

AML, KYC, and regulatory affairs

3 people

Operations

Customer success and technical support