Coming soon
Electronic Money Issuance
Issuance and redemption of electronic money, with client funds to be held under regulated safeguarding once the licence is granted.
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.
Ram Fintech s.r.o. was established with the aim of operating as an electronic money institution in the future, following the receipt of the relevant licence from the Czech National Bank. The planned business model includes the issuance of electronic money and payment services.
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. Following the granting of authorisation by the ČNB, the company will be able to expand its services to other EEA member states subject to fulfilling the relevant notification requirements.
- 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
Once the ČNB licence has been obtained, client funds will be protected in accordance with Section 80 of Act No. 370/2017 Coll., on Payment Systems — recorded separately from the company's own funds and deposited in dedicated accounts for the protection of client funds, or protected by other means permitted by law.
AML / CFT
Risk-based onboarding, screening and monitoring built to Act No. 253/2008 Coll., on Certain Measures Against the Laundering of Proceeds from Crime and the Financing of Terrorism, and the applicable EU directives.
Governance
A four-eyes operating model, oversight by the statutory body (Executive Director / Jednatel) 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+420 721 296 325
Registered officeVojtěšská 211/6, Nové Město, 110 00 Praha 1, Praha, Czech Republic