EST. 2012 CODEGO GROUP LTD · MALTA EST. 2012 12 COUNTRIES · 12 YEARS HQ MALTA CODEGO SRL · ITALY CODEGO EUROPE SIA · LATVIA EUIPO 018922174 PCI DSS CERTIFIED 2025 366,000 CARDS · 59 PROGRAMMES $1.1BN PROCESSED 2025 EST. 2012 CODEGO GROUP LTD · MALTA EST. 2012 12 COUNTRIES · 12 YEARS HQ MALTA CODEGO SRL · ITALY CODEGO EUROPE SIA · LATVIA EUIPO 018922174 PCI DSS CERTIFIED 2025 366,000 CARDS · 59 PROGRAMMES $1.1BN PROCESSED 2025
Codego · Company · est. 2012 Vol. XII · About Codego ● 12 countries · Malta HQ
01

About Codego.

The experience of 12 years between programming, finance, crypto currencies, and authentication systems. All enclosed in a single innovation. Codego Group operates as a network of independent entities across 12 countries.

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(A) Years in fintech
12+
(B) Licenses held
255across group
(C) Countries served
79global
(D) Cards activated
560K+
02
About
12 years, all in one
Group structure

The experience of
12 years, all in one.

Codego is present in 12 countries with physical offices and related licenses. Each Codego company is independently owned and operated, and among them they form a group for the purpose of providing a single comprehensive service, including the experience of financial services, financial platform and financial licensing.

The experience of 12 years between programming, core banking, financial systems, and authentication systems. All enclosed in a single innovation.

Founded
2012 — twelve years in fintech
Presence
12 countries with physical offices
HQ
Codego Group LTD, Malta
Italy
Codego SRL — authorized e-money distributor
Latvia
Codego Europe SIA — EMI license pending
Trademark
EUIPO registered — ref. 018922174
PCI DSS
Certificate issued by Adsigo, 2025
Products
Core banking · Card issuing · BaaS · IBAN · POS · Crypto · Expense · Gift
Contact
banking@codegotech.com
03
Codego by the numbers
Key performance indicators · 2025
4 KPIs

Codego by the numbers.

Codego Group is a Malta-registered financial technology company with operating entities in Italy, Latvia, and 10 additional countries. The group holds licenses for e-money distribution and payment services across multiple European jurisdictions, and has deployed 59 white-label banking programs for fintechs and financial institutions since its founding. Codego platform processes over 1.1 billion USD in annual payment volume.

(A) Experience
12+ years
(B) Licenses
255held
(C) Countries
79served
(D) Cards activated
560K+
04
What we do
Banking · Cards · Compliance
3 pillars

What we do.

A · Technology

Financial solution

Core banking and payment solutions for banks and fintechs worldwide. Full-stack platform: frontend, backend, compliance and infrastructure.

B · Cards

Card issuer

Issue all types of cards: prepaid, debit, corporate, gift and crypto. Visa and Mastercard. Virtual and physical. Apple Pay and Google Pay ready.

C · Compliance

Licensed

Licensed in several countries: wallet custody, exchange services, payment providers, full banking license as agent. 255 licenses across 79 countries.

05
Frequently asked
6 questions
6 Q&A

About Codego FAQ.

Q1.Where is Codego headquartered?
Codego Group LTD is registered in Malta. The group operates through independent entities in Italy (Codego SRL), Latvia (Codego Europe SIA), and 10 additional countries with physical offices and local licenses.
Q2.What licenses does Codego hold?
Codego Group and its entities hold licenses for e-money distribution, payment services, and card program management across multiple European jurisdictions. Codego SRL (Italy) is an authorized agent for electronic money distribution. Codego Europe SIA is in the process of obtaining an EMI license in Latvia.
Q3.Is Codego PCI DSS certified?
Yes. Codego holds a PCI DSS certificate issued by Adsigo in 2025, covering the card issuing and payment processing infrastructure. All card programs deployed on Codego platform inherit this certification.
Q4.How many card programs has Codego deployed?
As of 2025, Codego has deployed 59 white-label banking and card programs, activated 366,000 cards, and processed over 1.1 billion USD in payment volume. The platform serves fintechs, financial institutions and businesses across Europe and internationally.
Q5.What makes Codego different from other BaaS providers?
Codego provides the full fintech stack — core banking, BIN sponsorship, card manufacturing, IBAN issuance, SEPA/SWIFT rails, KYC/AML, and white-label mobile apps — from a single provider. Most competitors require 4 to 8 separate vendor integrations to match the same capability set.
Q6.How does Codego handle data protection and GDPR compliance?
Codego platform is designed for GDPR compliance with data processing agreements, data minimization practices, and cardholder data encrypted at rest and in transit. PCI DSS certification covers the cardholder data environment specifically. Data residency in EU jurisdictions is available by default.
II
Plate II · Brands in production
Live consumer & B2B products on Codego infrastructure
6 brands · live

Brands running today
on Codego rails.

A selection of consumer banking apps, KYC services, white-label platforms and group properties currently in production on Codego infrastructure.

B.01 Codegopay codegopay.com

Business banking application — multi-currency IBAN, prepaid & debit cards, transfers and card controls under Codegopay brand.

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B.02 CoxiWallet coxiwallet.com

Hybrid crypto and fiat wallet — IBAN account, prepaid card, on-chain settlement and conversion in a single mobile app.

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B.03 Banqa banqa.io

Neobanking platform delivering branded multi-currency accounts, card programmes and SEPA / SWIFT rails for end-users and merchants.

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B.04 CodegoLab codegolab.com

Cloud hosting and infrastructure platform for fintechs — virtual servers, web spaces, USDC topup and full deploy stack on demand.

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B.05 CodegoKYC codegokyc.com

KYC / AML / liveness verification as a service — face biometrics, document OCR, PEP & sanctions screening via API.

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B.06 WhiteLabelCard whitelabelcard.com

Self-service white-label card issuing portal — launch a branded prepaid or debit card programme online in days, no integration required.

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06
Get started
Response within 24 hours · banking@codegotech.com
Form · 7 steps

Become a fintech now,
on our technology.

One partner. All in one. Launch your branded banking platform with EU IBAN, prepaid and debit card programmes, Apple Pay and Google Pay — on Codego's licensed, PCI‑DSS certified infrastructure.

Codego Group LTD · Malta · Est. 2012
EUIPO 018922174 · PCI DSS by Adsigo, 2025

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Direct contact

banking@codegotech.com

For enterprise inquiries, BaaS partnerships and technical integration.

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