Each regulated activity runs through an entity licensed to carry it out.
An integration does not confer a licence. Each regulated service needs an entity whose permissions cover that activity, market and customer.
Aryze ApS is a Danish technology company, registered as CVR 38895052.
It is not itself a licensed bank, payment institution or e-money institution.
Aryze supplies technology. Where a proposed service includes regulated activities, the appropriately authorised client or provider carries them out under the agreed contractual structure. An existing bank or payments licence is not automatically enough for every digital-asset activity.
Who carries out each regulated activity, and what Aryze does.
| Activity | Who carries it out | What Aryze does |
|---|---|---|
| Pay by Bank | Delivered under a licensed partner framework, using Aryze’s Volt and Mastercard Open Finance integrations. These are open banking connections, not card acquiring. A bank or EMI can use its own licence where it covers the service, or an appropriately licensed provider for the required regulated steps. Countries, banks and merchant eligibility are confirmed for each deployment. Customer eligibility, collection and account crediting are agreed for each institutional integration. | Supplies the checkout connection. Built and works; tested by Aryze in the UK with real payments. Needs a client. Also integrates account funding and payment links into a bank or EMI’s own app and accounts. |
| Digital Cash issuance | The issuer, which needs the appropriate authorisation for the arrangement, its legal obligations, backing, reserve holder and redemption terms. | Supplies the issuance technology, which is separate from permission to issue a particular instrument. |
| FX conversion | The parties the route names to provide quotes, carry exposure, move backing and perform any regulated conversion or redemption. Third-party issuers agree the interfaces, permissions and terms. | Supplies the conversion and interoperability technology. |
| Accept smart money | The customer is onboarded with a licensed crypto-asset service provider, which receives the stablecoins, bitcoin or other supported tokens, converts them and, where agreed, sends them or pays ordinary money to the customer’s bank account. Bank payments in the same journey run under the relevant bank or payment permissions. Supported assets, directions and networks are agreed for each integration. | Connects the onboarding, deposit, conversion, payout and any agreed withdrawal steps into one record. Aryze does not hold the customer’s funds. The stablecoin deposit to an existing bank account is built and works, and needs a client. |
Before you rely on a service, know who owes what to whom.
Backing and redemption- Who receives the funds or assetsIdentify the entity, the legal claim it creates, and the protections that apply.
- Who is responsible when something goes wrongIdentify the party responsible for execution, redemption, complaints and exceptions.
- What a working demonstration provesA working API, token contract or demonstration does not show that a complete regulated service is available. The scope of the agreement and the responsible entities decide that.
- What Aryze does not offer hereStandalone bank accounts or institutional custody. Existing accounts and chosen providers can be endpoints in an agreed integration.
Tell us the activity, the entities and the markets in scope.
We will identify the provider roles for your service, and the supporting evidence available for the proposed engagement.