Germany · Payments & e-money
Aifinyo Payments GMBH
aifinyo payments GmbH is a German limited company (GmbH) based in Dresden. The Federal Financial Supervisory Authority (BaFin) authorises it as a payment institution under the German Payment Services Supervision Act (ZAG). It received the licence in January 2022. The firm is a wholly owned subsidiary of aifinyo AG, a Berlin-based fintech group. Within the group's invoice and financing platform, it provides payment services to business customers, including international transfers.
Licences and registrations
Held by aifinyo payments GmbH (LEI 894500F7TW6DGUZCZZ87). 1 entry on 1 of the 22 tracked registers, retrieved 25 September 2026.
| Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry |
|---|---|---|---|---|---|---|---|---|
| EBA PSD2 RegisterFederal Financial Supervisory AuthorityLinked by LEI. Matched by Elucidate to GLEIF on name, country and address. | Payment institutionPayment Institution | 156864 | Germany | Active | 2022-01-12 | — |
|
Search the register ↗ |
- Licences belong to the legal entity, not to a BIC.
- Each licence applies in the country of the regulator that granted it.
- Registers are tracked in 37 countries. Licences granted elsewhere are not recorded here.
- The register entries and their trading names were not matched against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- AIPGDE82XXX head office
- Connection to Swift
- Reverse billingThe institution is connected to Swift. Messages sent to it are billed to the institution, not to the sender. The “2” in the eighth character of AIPGDE82 marks reverse billing.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- SCT · SCT Inst · SDD Core · SDD B2B
- Branch codes
- None: head-office BIC only
- BIC first registered
- 2022-12-03
- Last updated
- 2022-12-03
Overview
Researched 29 Sep 2026 · Sources
Employees
Not published
Ownership
Group subsidiary
100% aifinyo AG
Firm type
FX and business payments
Trades as aifinyo
- Ownership
- aifinyo AG, Berlin (Amtsgericht Charlottenburg HRB 246794 B), holds 100% of the firm.
- Direct parent
- aifinyo AG, Germany 100%
- Head office
- Tiergartenstraße 8, 01219 Dresden, Germany
- Company register
- Amtsgericht Dresden HRB 35889
- Founders
- Stefan Kempf · Matthias Bommer
Online
- Websites & references
- aifinyo.de ↗
aifinyo.com ↗ investor relations and Bitcoin treasury site of the parent, aifinyo AG
kundenportal.aifinyo.de ↗ customer portal login - Official social accounts
- LinkedIn ↗ · X ↗ · Facebook ↗ · Instagram ↗ · YouTube ↗ · Xing ↗
Sources · 10 pages consulted
- aifinyo.de/impressum/
- aifinyo.de/unternehmen/newsroom/aifinyo-steigt-mit-zag-lizenz-der-bafin-in-den-payment-markt-ein/
- aifinyo.de
- aifinyo.de/allgemeine-geschaeftsbedingungen/
- aifinyo.de/unternehmen/investor-relations/
- aifinyo.de/unternehmen/newsroom/
- aifinyo.de/unternehmen/newsroom/aifinyo-auslandsueberweisung/
- aifinyo.com/newsroom/germanys-first-bitcoin-treasury-company-aifinyo-ag-launches-billion-dollar-strat
- aifinyo.com/about
- aifinyo.de/unternehmen/newsroom/aifinyo-ag-wechsel-in-vorstand-und-aufsichtsrat/
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
BaFin authorises the firm as a payment institution under the ZAG. The EBA PSD2 register lists it as a payment institution since 12 January 2022, covering money remittance, payment services and card acquiring.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Federal Financial Supervisory Authority (BaFin) Germany | Payment institution (Zahlungsinstitut) under the German Payment Services Supervision Act (ZAG) | 156864 | In its own name | Active | aifinyo.de ↗ |
Licences and registrations the research found, at home and abroad, as the firm and its regulators publish them. The Licences and registrations card shows the entries on the registers the directory tracks.
Products and markets
Researched 29 Sep 2026 · Sources
The firm runs the international transfer service in the aifinyo platform. The service is for business customers paying suppliers or staff outside the SEPA area, and the group says rates are fixed on real-time exchange rates.
The firm serves business customers in Germany under its BaFin licence. Neither the firm nor the EBA register data seen shows passporting to other EEA states.
- Sells to
- Small businesses · Enterprises
- Serves customers in
- Germany
Leadership
Researched 29 Sep 2026 · Sources
- Founder
- Stefan Kempf Geschäftsführer (managing director)
- Founder
- Matthias Bommer Geschäftsführer (managing director)
- Executive
- Dennis Koopmann Geschäftsführer (managing director)
Recent events
Researched 29 Sep 2026 · Sources
-
Other
The parent aifinyo AG announced a Bitcoin treasury strategy, with an initial EUR 3 million investment from UTXO Management.
aifinyo.com ↗ -
Other
The parent aifinyo AG's shares were delisted from the m:access segment of the Munich Stock Exchange on 30 September 2024.
aifinyo.de ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, security incidents, licence changes, funding rounds, acquisitions and leadership changes. Each links to its source.
Identifiers
Head-office record
- BIC
- AIPGDE82XXX
- How the BIC breaks down
- AIPGBank
- DECountry · Germany
- 82Location · reverse billing
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 894500F7TW6DGUZCZZ87
- LEI record
- View on GLEIF ↗
- Licence no. · EBA-PSD2
- 156864
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.Register entry: Matched by Elucidate to GLEIF on name, country and address.
- Register-entry ID
- f769a856a486
- National bank code
- Bankleitzahl 86021000
Profile
- Type
- Payments & e-moneyPayment institutions, e-money and stored-value issuers, and account-information providers. Licensed under payment-services law (e.g. PSD2 in the EU and UK, the Payment Services Act in Singapore). Taken from the licences on the tracked registers.
- Regulation
- Prudential licenceAuthorised with capital, safeguarding and conduct requirements, e.g. an authorised payment or e-money institution in the EU or UK, a major payment institution in Singapore, or a MiCA crypto-asset service provider.
- Register licences
- 1 entry on 1 register
- Activities
- Money remittance
- Payment services
- Card acquiring
- Licensed in
- Germany
- Country · region
- Germany · Europe & Central Asia
- Banking supervision
- Not on the ECB's list of supervised entities as of 2026-07-01
- Trading venues (MIC)
- No MIC registered under this LEI list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
Ownership and group
GLEIF relationship records
GLEIF’s relationship records name no parent for this LEI, and no group page is published for it.
Addresses
- Registered address
- TIERGARTENSTRASSE 8 DRESDEN 01219 GERMANY
- Operational address
- TIERGARTENSTRASSE 8 DRESDEN 01219 DRESDEN GERMANY
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI and its DEBLZ clearing code
- Roles in CBPR+
- Any agent, including the instructing and instructed agents
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>AIPGDE82XXX</BICFI>
<ClrSysMmbId>
<ClrSysId>
<Cd>DEBLZ</Cd>
</ClrSysId>
<MmbId>86021000</MmbId>
</ClrSysMmbId>
<LEI>894500F7TW6DGUZCZZ87</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>AIPGDE82XXX</BICFI>
<ClrSysMmbId>
<ClrSysId>
<Cd>DEBLZ</Cd>
</ClrSysId>
<MmbId>86021000</MmbId>
</ClrSysMmbId>
<LEI>894500F7TW6DGUZCZZ87</LEI>
<Nm>AIFINYO PAYMENTS GMBH</Nm>
<PstlAdr>
<TwnNm>DRESDEN</TwnNm>
<Ctry>DE</Ctry>
<AdrLine>TIERGARTENSTRASSE 8 DRESDEN 01219</AdrLine>
</PstlAdr>
</FinInstnId>The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
Payment schemes and systems
EPC registers of 2026-09-11 · ECB T2 list of 2026-07-02 · ECB TIPS list of 2026-09-01 · SIX Bank Master valid on 2026-09-28
| Scheme or system | Since | Registered with | Note |
|---|---|---|---|
| SEPA Credit TransferISO 20022 messages | 2025-09-01 | Head office | — |
| SEPA Instant Credit TransferISO 20022 messages | 2025-09-01 | Head office | — |
| SEPA Direct Debit CoreISO 20022 messages | 2025-09-01 | Head office | — |
| SEPA Direct Debit Business-to-BusinessISO 20022 messages | 2025-09-01 | Head office | — |
SEPA dates are when the institution became ready for the scheme.
An institution missing from T2 may still be reachable through an indirect participant.
“ISO 20022 messages” marks a scheme or system whose rulebook or operator specifies ISO 20022 for messages between participants.
National bank codes
Bankleitzahl · Germany
1 code valid until 2026-12-06 · ISO 20022 clearing system code DEBLZ
| Code | Routes to BIC | Name in the national file | City |
|---|---|---|---|
| 86021000 | AIPGDE82XXX | aifinyo payments | Dresden |
Each code shows the name in the national file. Smaller banks often route through a central institution’s BIC. A code can therefore belong to a different bank than the one on this page.
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Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
Register entries are not screened against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- Payment schemes and systems—Source: European Payments Council (EPC) Registers of Participants; matched to BICs by Elucidate.
- National bank codes—Germany (Quelle: Deutsche Bundesbank).
- EBA PSD2 Register—European Banking Authority (EBA) · register ↗ as at 25 September 2026
- Overview, authorisation, partners, products, leadership and events—researched per institution by an AI model with web search, from the firm's own website, terms and filings, regulators' registers and notices, company registers and news. Licences, partners, figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
- Images—logos and photos from Wikimedia Commons (credited with their author and licence) or from the institution's own website, where Wikimedia has none. Elucidate keeps a copy of each; the links lead to the source and the original image. Logo: aifinyo.de (official website) · original.
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