The payments stack
you'd build yourself.
Without the three years.
Hublio Research designs and builds deployable financial products. Our flagship is Hublio Pay — a cloud-native, self-hosted, white-label payment platform for banks, fintechs and brands. ISO 20022 native. Multi-tenant. Two engines, two integration topologies — chosen per deployment.
Research. Design. Build.
Ship.
The rails for instant, 24/7 payments already exist across Europe and most of the world. What's missing is the product layer — the infrastructure that turns those rails into something a bank, a fintech or a brand can run under their own name, in their own environment. Hublio Research builds that layer. Not as bespoke consulting. As deployable products. Hublio Payments is the first. And we publish what we learn — every customer receives a monthly research brief on payments market evolution, scheme changes and product positioning.
Building payments in-house means scheme certification, fraud engines, ledgers, AML, message generation — essential layers, none of which the customer ever sees, and none of which differentiate the product they support.
Hublio Pay gives you a composable core — onboarding, KYC, wallet, ledger, multi-rail routing, fraud, native ISO 20022 messaging — packaged as a product you deploy into your own infrastructure. API-first. Fully white-label. Yours to run.
A product by Hublio ResearchHublioPayments.
The cloud-native, self-hosted payment platform for banks, fintechs and brands.
A B2B platform that you deploy in your own infrastructure — fast, modular, fully white-label. A unified API. One deployable codebase. Multiple payment rails, integrated under your control. Paired with Hublio Pay — our white-label mobile front-end — it's a complete experience from rail to screen. The aim is straightforward: give institutions the means to run a modern money experience under their own name — and to own it outright.
White-label ready
Your brand on every screen, every email, every receipt. We stay invisible.
Multi-tenant architecture
Run a wallet, a neobank and an expense product from the same platform — fully isolated.
API-first integration
Every capability exposed as a clean, documented REST API. Built for engineers.
Deploy and go live in weeks
API-first, infrastructure-ready. From kickoff to pilot in six weeks — in your environment, not ours.
What sets Hublio apart.
Three commitments run through everything we ship — and each is structural, not cosmetic. They are the reason the platform behaves the way it does.
The product is built on evidence.
Hublio Research studies the payments market as a discipline — rails, standards, user behaviour, regulation. That research shapes the roadmap, and it reaches our clients directly: as a standing brief, and as counsel on what to adopt from the market, and in what order.
- Monthly research brief for every customer
- Adoption advisory — what to prioritise, and when
- A roadmap grounded in market evidence
Architecture without borders.
The platform is multi-market deployable by design. One codebase, many tenants, many regions — so a product launched in one market can extend into the next without a new core or a new vendor stack.
- ISO 20022 native across rails
- Cross-border reach through a connected partner network
- One platform, many markets
Deployed in your environment.
Run under your name.
Hublio Payments is delivered as software you own the run of — self-hosted, white-label, inside your perimeter. Your data residency, your keys, your brand on every screen.
- Self-hosted — your cloud, on-premise or sovereign
- Fully white-label, from rail to screen
- Your compliance posture, under your control
Cross-border by default.
Payment infrastructure has historically been built market by market — each border adding a new integration, a new partnership and a new compliance build. Hublio treats the border as a design input, not an afterthought.
Hublio is built differently. The platform itself is multi-market deployable, and every deployment plugs into a network of rails that already reaches across regions. A fintech or neobank serving customers in one country can extend into the next without standing up a new core, a new vendor stack, or a new banking partner from scratch.
We believe payments should be instant, safe and simple by default — and that the infrastructure to build them should be a deployable product, not a multi-year custom build.
See Hublio Pay in action.
Tell us about your organisation and we'll get back to you within 24 hours. Thirty minutes with our team is a fast way to pressure-test your payments roadmap.
Own the stack.
Ship in weeks.
Thirty minutes with our team is a fast way to pressure-test your payments roadmap. Bring your hardest question.