Research the market.
Build the product.
Connect the regions.
Hublio Research is a payments studio headquartered in Bucharest and working across rails and regions — not bound to any single market. We study where money is moving and which standards are reshaping it, so we can advise the institutions we partner with on what's worth adopting, and in what order — then build it alongside them.
Research with a build behind it.
We study the payments market closely, and we put what we learn to work in two ways: as guidance our clients can act on, and as infrastructure they can run. The research sharpens the advice; the advice shapes what we build.
A research-led payments studio.
Hublio Research designs and builds deployable financial products, and shares what it learns along the way: every client receives a monthly research brief on market evolution, scheme changes and product positioning — written by the same team that builds the product.
Market research, put to work.
We track payments across rails and regions — instant settlement, the ISO 20022 migration, Verification of Payee, Request-to-Pay and the cross-border messaging that links markets together. Following it this closely is what lets us tell a client which developments matter for them, and in what order to adopt them.
Research that compounds.
What we learn doesn't stay on a page. It compounds — into the advice we give clients, into the product we build, and into clearer decisions about what to adopt and when.
Adoption advisory
We help clients decide what to adopt and when — which rails, standards and flows are worth prioritising for their market.
Deployable products
Findings become infrastructure — modular, white-label, ready to deploy into a client's own environment.
Monthly research brief
A standing read on market evolution, scheme changes and positioning, delivered to every client.
Rails & standards tracking
Close reading of instant rails, ISO 20022 and Verification of Payee across regions keeps the platform current as the schemes evolve.
Research, made tangible.
Everything we learn converges on one product you can hold — and that your customers can use.
Hublio PayThe cutting-edge white-label payment app.
Hublio Pay is a production-ready iOS and Android application that lets a bank, fintech or brand launch a modern money experience under their own name, on their own infrastructure — and have it running in a fraction of the usual time.
Built on the Hublio Payments platform, it ships with the flows users expect today: instant send and receive, a multi-currency wallet and cards, Request-to-Pay, QR and real-time spend insights — informed by current payments-UX research and ready to operate across multiple regions.
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.
Not sure what to adopt next?
Let's talk it through.
Half an hour with our team is a fast way to pressure-test your payments roadmap. Bring your hardest question — about rails, standards, regions, or what to build next.