Loanch Enhances Investment Infrastructure with Verifo Integration for SEPA Instant Payments

Loanch, a Croatian alternative investment marketplace, has integrated Verifo as its primary payment service provider to enhance its European transaction infrastructure. For fintech professionals, this move highlights the growing necessity for multi-vendor payment strategies and the adoption of SEPA Instant to meet investor expectations for real-time liquidity in the alternative asset space.

What was announced

Loanch is integrating Verifo to diversify its payment operations and reduce reliance on a single provider. This integration provides investors with Lithuania-based EUR payment accounts and access to the SEPA network. Crucially, the partnership enables SEPA Instant payments, which allows for transfers to be processed in seconds, 24/7, including weekends and outside regular banking hours. This is a significant upgrade for a platform dealing in euro-denominated alternative investments, where the speed of moving capital in and out of the market is a key differentiator for user retention.

By having two payment service providers active, Loanch gains operational flexibility and mitigates the systemic risk of a single point of failure in its treasury and disbursement functions. The service is designed for investors looking for a fully digital experience with low entry barriers and competitive returns. The integration ensures that transfers remain within the European payment infrastructure, providing a layer of regulatory and technical familiarity for the platform's user base across the European Union. This move specifically targets the friction often found in cross-border EUR transfers, streamlining the process for investors regardless of their local banking provider's limitations.

"Payments are one of the most important parts of the investor experience, so having reliable infrastructure behind every deposit and withdrawal matters. By adding Verifo as a second payment partner, we are giving our platform additional flexibility and reducing our dependence on a single provider. At the same time, Verifo brings practical benefits for our investors, including access to SEPA Instant payments and a dedicated EUR payment solution within the European payment network. This is an important operational step for Loanch as we continue to develop the platform."

Przemysław Paweł Januszaniec, CEO of Loanch.

The companies involved

Loanch is a Croatia-based online marketplace specializing in alternative investments. The platform focuses on providing euro-denominated investment opportunities through a digital-first interface, aiming to lower the barrier to entry for retail and professional investors seeking competitive returns outside of traditional equity or bond markets. Verifo is the commercial brand of Verified Payments UAB, a payment service provider operating within the Eurosystem. Based in Lithuania, the company is a licensed electronic money institution (EMI) authorized to issue e-money and provide payment services across the European Union.

Verified Payments UAB operates under the supervision of the Bank of Lithuania, holding Licence No. 27 under the Electronic Money Regulations. As an EMI, Verifo provides the underlying banking-as-a-service infrastructure that allows non-bank platforms like Loanch to offer dedicated IBANs and direct access to clearing systems like SEPA. This positioning makes it a key player in the Baltic fintech corridor, which has become a hub for European payment licensing and infrastructure. The company’s role in the Eurosystem allows it to execute activities related to the issuance of e-money, providing a bridge between traditional central banking systems and modern digital investment platforms.

What FF News has reported before

FF News has previously tracked the growth of the Croatian investment platform as it scales its operations across the continent. In August 2026, we reported that Loanch Hits €100 Million Milestone as European Alternative Investment Demand Surges. That milestone underscored the increasing appetite for alternative assets among European investors and the platform's ability to capture significant market share in a relatively short period. The current expansion of its payment infrastructure follows this period of rapid growth, suggesting a shift in focus toward operational resilience and user experience as the platform manages larger capital flows and a more diverse investor base.

What this means

This move reflects a broader trend in the European fintech sector where "redundancy" is becoming a core product feature rather than a back-office afterthought. For alternative investment platforms, the ability to offer SEPA Instant is no longer a luxury; it is a baseline requirement to compete with neo-brokers and traditional wealth managers. By integrating a second PSP, Loanch is insulating itself against the technical outages or regulatory shifts that have occasionally paralyzed single-provider platforms in the past. This strategy puts pressure on smaller marketplaces that still rely on a single banking partner, raising the bar for operational maturity in the alternative investment space. It also highlights the continued dominance of Lithuania as the preferred jurisdiction for fintechs seeking robust, SEPA-integrated payment solutions to serve a pan-European client base. The industry is moving toward a multi-rail future where payment reliability is as important as the investment yield itself.