Coming soon
Electronic Money Issuance
Issuance and redemption of electronic money, with client funds held under regulated safeguarding throughout.
Electronic money & cross-border payments
Money infrastructure for the EEA.
Ram Fintech is building regulated electronic-money and payments infrastructure for the Czech Republic and the wider European Economic Area.
/ Act No. 370/2017 Sb./ GDPR/ AML Act 253/2008 Sb./ Safeguarded client funds/ EEA passporting/ ČNB supervision/ Act No. 370/2017 Sb./ GDPR/ AML Act 253/2008 Sb./ Safeguarded client funds/ EEA passporting/ ČNB supervision
A Czech company building toward an EMI licence.
Ram Fintech s.r.o. was established to operate as a regulated Electronic Money Institution under the supervision of the Czech National Bank.
Native multi-currency clearing, transparent FX and digital treasury, inside a compliance-first operating model.
We are undergoing the licensing process to issue electronic money and provide payment services under Act No. 370/2017 Sb. (ZPS), the Czech transposition of the EU framework for electronic money institutions.
Our focus is B2B cross-border payments serving the Israel–EU corridor. Client funds are held in safeguarding accounts with a Tier-1 Czech bank throughout the review phase, and once authorised the Czech EMI status is passportable across the European Economic Area.
- Legal entity
- Ram Fintech s.r.o.
- IČO
- 245 21 876
- Registered office
- Vojtěšská 211/6, Praha 1
- Jurisdiction
- Czech Republic, EEA
- Framework
- Act No. 370/2017 Sb.
- Status
- Regulated by ČNB (pending)
What we are building.
Services become available on authorisation by the Czech National Bank. The scope below reflects our planned licensed activities.
Coming soon
Payments
Domestic and cross-border payments, multi-currency accounts and transparent foreign exchange.
Coming soon
Digital Treasury
Centralised multi-currency liquidity and reconciliation for corporate clients.
Built for institutional trust.
Safeguarding, financial-crime prevention and governance are designed in from the start, not bolted on later.
Safeguarding
Client funds are held in dedicated safeguarding accounts with a Tier-1 Czech bank, segregated from company money.
AML / CFT
Risk-based onboarding, screening and monitoring built to the Czech AML Act and the applicable EU directives.
Governance
A four-eyes operating model, board oversight and audit trails designed for institutional scrutiny.
Documents and policies.
Corporate, regulatory and customer-protection documents prepared for the EMI licensing process. Draft versions are available now in Czech, English and Hebrew, and will be finalised on authorisation.
Legal & Identity
Compliance & AML
Czech is the primary version for the regulator; English and Hebrew are provided for international partners.
Get in touch.
For partnership, compliance or general enquiries, reach the team directly or send a message below.
General enquiriesinfo@ram-fintech.com
Compliancecompliance@ram-fintech.com
Telephone+420 296 826 000
Registered officeVojtěšská 211/6, Nové Město, 110 00 Praha 1, Praha, Czech Republic