---
title: "Romania: financial institutions, SWIFT/BIC codes and licences | Elucidate"
description: "131 institutions in Romania (as at 23 September 2026): 114 hold a SWIFT/BIC code and 17 do not. 18 are on 1 tracked register."
url: https://elucidate.co/directory/country/ro
---

1.  [Directory](https://elucidate.co/directory)
2.  [Countries](https://elucidate.co/directory/country)
3.  Romania

Country · Europe & Central Asia

# Romania

Check who the institutions in Romania are: whether each holds a BIC, which register lists it and whether an LEI is mapped. One tracked register covers Romania, EBA’s EBA PSD2 Register, so institutions without a BIC appear where it lists them.

131

Institutions

Active · plus 3 inactive

114

Hold a BIC

87% of institutions

18

On a tracked register

14% of institutions

90

LEI mapped

69% of institutions

6

ECB-supervised

5 significant, 1 less significant

### Romania at a glance

Every row is the same 131 institutions, split by one attribute

Type

-   Financial institution 100 · 76%
-   Payments & e-money 18 · 14%
-   Non-financial corporate 7 · 5.3%
-   Credit institution 6 · 4.6%

Identification

-   [BIC only](https://elucidate.co/directory/search?source=bic,noregister&cc=RO) 113 · 86%
-   [BIC and a register licence](https://elucidate.co/directory/search?source=bic,register&cc=RO) 1 · 0.8%
-   [Register only, no BIC](https://elucidate.co/directory/search?source=nobic&cc=RO) 17 · 13%

Regulation level

-   [Prudential licence](https://elucidate.co/directory/search?reg=prudential&cc=RO) 24 · 18%
-   [Not on a tracked register](https://elucidate.co/directory/search?reg=none&cc=RO) 107 · 82%

LEI

-   LEI mapped 90 · 69%
-   No LEI mapped 41 · 31%

View as table

| Attribute | Institutions | Share |
| --- | --- | --- |
| Type |
| Financial institution | 100 | 76% |
| Payments & e-money | 18 | 14% |
| Non-financial corporate | 7 | 5.3% |
| Credit institution | 6 | 4.6% |
| Identification |
| BIC only | 113 | 86% |
| BIC and a register licence | 1 | 0.8% |
| Register only, no BIC | 17 | 13% |
| Regulation level |
| Prudential licence | 24 | 18% |
| Not on a tracked register | 107 | 82% |
| LEI |
| LEI mapped | 90 | 69% |
| No LEI mapped | 41 | 31% |

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.

BIC data as at 23 September 2026 · Registers retrieved 25 September 2026

[Institutions](https://elucidate.co/directory/country/ro#institutions) [Regulation](https://elucidate.co/directory/country/ro#registers) [Groups](https://elucidate.co/directory/country/ro#groups) [Payments](https://elucidate.co/directory/country/ro#payments) [BIC codes](https://elucidate.co/directory/country/ro#bics)

## Institutions in Romania

The first 25 of 131 institutions in Romania, with or without a BIC: prudentially supervised and larger institutions first. No OFAC or EU listing cites an institution in Romania.

-   [Citibank Europe PLC, Dublin - Sucursala Romania BIC CITIROBU Credit institution Prudential licence Romania · On the ECB list of supervised entities · LEI N1FBEDJ5J41VKZLO2475](https://elucidate.co/directory/citibank-europe-plc-dublin-sucursala-romania-citirobu)
-   [Agricover Payments S.A. No BIC Payments & e-money Prudential licence Romania · Licensed by National Bank of Romania · 50660291 (EBA-PSD2) · No LEI mapped](https://elucidate.co/directory/agricover-payments-s-a-3d444367f50b)
-   [BNP Paribas Personal Finance S.A. Paris Sucursala Bucuresti BIC BNPAROBU Credit institution Prudential licence Romania · On the ECB list of supervised entities · LEI 969500VHT1ZNPVWOYF63](https://elucidate.co/directory/bnp-paribas-personal-finance-s-a-paris-sucursala-bucuresti-bnparobu)
-   [BNP Paribas S.A. Paris Sucursala Bucuresti BIC FTSBROBU Credit institution Prudential licence Romania · On the ECB list of supervised entities · LEI R0MUWSFPU8MPRO8K5P83](https://elucidate.co/directory/bnp-paribas-s-a-paris-sucursala-bucuresti-ftsbrobu)
-   [BT Direct Ifn S.A. No BIC Payments & e-money Prudential licence Romania · Licensed by National Bank of Romania · 16036850 (EBA-PSD2) · LEI 549300KT385R56JK9P77](https://elucidate.co/directory/bt-direct-ifn-s-a-f3d8709af8a0)
-   [C Solution S.r.l. · trading as Plati.Online No BIC Payments & e-money Prudential licence Romania · Licensed by National Bank of Romania · 14225658 (EBA-PSD2) · No LEI mapped](https://elucidate.co/directory/c-solution-s-r-l-322b87c81638)
-   [Capital Financial Services S.A. No BIC Payments & e-money Prudential licence Romania · Licensed by National Bank of Romania · 22170545 (EBA-PSD2) · LEI 9845001C04CC50108M59](https://elucidate.co/directory/capital-financial-services-s-a-77ff5c889ddf)
-   [Credex Ifn S.A. No BIC Payments & e-money Prudential licence Romania · Licensed by National Bank of Romania · 35825701 (EBA-PSD2) · LEI 787200C8HHU0G2OBWH40](https://elucidate.co/directory/credex-ifn-s-a-bf4c9d04cdbe)
-   [Europayment Services Srl · trading as euplatesc.ro No BIC Payments & e-money Prudential licence Romania · Licensed by National Bank of Romania · 18773866 (EBA-PSD2) · No LEI mapped](https://elucidate.co/directory/europayment-services-srl-f0f173532568)
-   [Filbo Pay S.A. BIC FLPYROB2 Payments & e-money Prudential licence Romania · Licensed by National Bank of Romania · 47570431 (EBA-PSD2) · LEI 9845009EBBF9A38B1B51](https://elucidate.co/directory/filbo-pay-s-a-flpyrob2)
-   [Finqware S.r.l No BIC Payments & e-money Prudential licence Romania · Licensed by National Bank of Romania · 38866528 (EBA-PSD2) · LEI 984500A60110A43AAB30](https://elucidate.co/directory/finqware-s-r-l-497f44886961)
-   [Heyblu Financial Services Ifn SA No BIC Payments & e-money Prudential licence Romania · Licensed by National Bank of Romania · 33851267 (EBA-PSD2) · LEI 7872001W2XEXEVH0FP72](https://elucidate.co/directory/heyblu-financial-services-ifn-sa-0f52118cd380)
-   [ING Bank N.V., Amsterdam Bucharest Branch BIC INGBROBU Credit institution Prudential licence Romania · On the ECB list of supervised entities · LEI 3TK20IVIUJ8J3ZU0QE75](https://elucidate.co/directory/ing-bank-n-v-amsterdam-bucharest-branch-ingbrobu)
-   [Mobile Distribution S.r.l. · trading as un-doi Centru de plăţi No BIC Payments & e-money Prudential licence Romania · Licensed by National Bank of Romania · 9338154 (EBA-PSD2) · LEI 787200QKYF1NR3U6MG75](https://elucidate.co/directory/mobile-distribution-s-r-l-0b5479f9e3c7)
-   [Netopia Financial Services S.A. No BIC Payments & e-money Prudential licence Romania · Licensed by National Bank of Romania · 43131360 (EBA-PSD2) · LEI 787200ZHOZ4IDUAVRO52](https://elucidate.co/directory/netopia-financial-services-s-a-c5789df8a7ab)
-   [Revolut Bank Uab Vilnius Sucursala Bucuresti BIC REVOROBB Credit institution Prudential licence Romania · On the ECB list of supervised entities · LEI 485100NUOK3CEDCUTW40](https://elucidate.co/directory/revolut-bank-uab-vilnius-sucursala-bucuresti-revorobb)
-   [Smart Fintech S.r.l. No BIC Payments & e-money Prudential licence Romania · Licensed by National Bank of Romania · 41251980 (EBA-PSD2) · LEI 787200ELV7AS961RYB06](https://elucidate.co/directory/smart-fintech-s-r-l-bc08aa82a2d6)
-   [Smith & Smith S.r.l. No BIC Payments & e-money Prudential licence Romania · Licensed by National Bank of Romania · 12402419 (EBA-PSD2) · LEI 984500JF93AB4B1D4325](https://elucidate.co/directory/smith-and-smith-s-r-l-aa8a1fe4eb25)
-   [Speed Transfer Financiar S.r.l. No BIC Payments & e-money Prudential licence Romania · Licensed by National Bank of Romania · 16409339 (EBA-PSD2) · LEI 984500F98AAY3A836641](https://elucidate.co/directory/speed-transfer-financiar-s-r-l-81a3516eb869)
-   [Token Payment Services S.r.l. No BIC Payments & e-money Prudential licence Romania · Licensed by National Bank of Romania · 43511483 (EBA-PSD2) · LEI 984500EF2BEDB0D78633](https://elucidate.co/directory/token-payment-services-s-r-l-e08c457aa897)
-   [Transfer Rapid Electronic Srl No BIC Payments & e-money Prudential licence Romania · Licensed by National Bank of Romania · 30384701 (EBA-PSD2) · LEI 787200L3VCX4AO7XR355](https://elucidate.co/directory/transfer-rapid-electronic-srl-b9358a245afe)
-   [Unicredit Consumer Financing Ifn SA No BIC Payments & e-money Prudential licence Romania · Licensed by National Bank of Romania · 24332910 (EBA-PSD2) · LEI 315700U9KOZJ14MLJ486](https://elucidate.co/directory/unicredit-consumer-financing-ifn-sa-590795992403)
-   [Viva Payment Services S.A Sucursala Bucuresti BIC VPAYROB2 Credit institution Prudential licence Romania · On the ECB list of supervised entities · LEI 213800A3YBCKWVF3DM64](https://elucidate.co/directory/viva-payment-services-s-a-sucursala-bucuresti-vpayrob2)
-   [Westaco S.r.l. No BIC Payments & e-money Prudential licence Romania · Licensed by National Bank of Romania · 14235694 (EBA-PSD2) · LEI 7872006DY7G6IOQMYA35](https://elucidate.co/directory/westaco-s-r-l-312037b3837b)
-   [Banca Transilvania S.A BIC BTRLRO22 Financial institution Not on a tracked register Romania · Not on a tracked register · LEI 549300RG3H390KEL8896](https://elucidate.co/directory/banca-transilvania-s-a-btrlro22)

[See all 131 institutions in Romania →](https://elucidate.co/directory/search?cc=RO)

[See the 3 institutions marked inactive →](https://elucidate.co/directory/search?status=i&cc=RO)

## Regulation and supervision

One tracked register covers Romania, retrieved 25 September 2026. Of the 131 institutions here, 18 are on it. By regulation level: 24 prudentially supervised, 107 not on a tracked register.

### Registers covering Romania

Institutions in Romania holding an active licence or registration on each register

| Register | Publisher | Institutions here | Of which hold a BIC | Inactive | As at |
| --- | --- | --- | --- | --- | --- |
| [EBA PSD2 Register](https://elucidate.co/directory/register/eba-psd2) EBA-PSD2 | European Banking Authority (EBA) | [18](https://elucidate.co/directory/search?cc=RO&register=EBA-PSD2) | 1 | 3 | 25 September 2026 |

### Institutions that hold a BIC and are on a tracked register

Their register licences are shown on their page

-   [Filbo Pay S.A. BIC FLPYROB2 Payments & e-money Prudential licence Romania · Licensed by National Bank of Romania · 47570431 (EBA-PSD2) · LEI 9845009EBBF9A38B1B51](https://elucidate.co/directory/filbo-pay-s-a-flpyrob2)

[See 1 institution that hold a BIC and are on a tracked register →](https://elucidate.co/directory/search?source=bic,register&cc=RO)

### Supervisors

Authorities named on the ECB list and on the active licences of institutions here

| Authority | Basis | Institutions |
| --- | --- | --- |
| National Bank of Romania | Licences on the tracked registers | 18 |

### ECB banking supervision

Significant institutions

The ECB list of supervised entities covers 6 institutions here that hold a BIC: 5 significant, supervised directly by the ECB, and 1 less significant.

-   [Citibank Europe PLC, Dublin - Sucursala Romania BIC CITIROBU Credit institution Prudential licence Romania · On the ECB list of supervised entities · LEI N1FBEDJ5J41VKZLO2475](https://elucidate.co/directory/citibank-europe-plc-dublin-sucursala-romania-citirobu)
-   [BNP Paribas Personal Finance S.A. Paris Sucursala Bucuresti BIC BNPAROBU Credit institution Prudential licence Romania · On the ECB list of supervised entities · LEI 969500VHT1ZNPVWOYF63](https://elucidate.co/directory/bnp-paribas-personal-finance-s-a-paris-sucursala-bucuresti-bnparobu)
-   [BNP Paribas S.A. Paris Sucursala Bucuresti BIC FTSBROBU Credit institution Prudential licence Romania · On the ECB list of supervised entities · LEI R0MUWSFPU8MPRO8K5P83](https://elucidate.co/directory/bnp-paribas-s-a-paris-sucursala-bucuresti-ftsbrobu)
-   [ING Bank N.V., Amsterdam Bucharest Branch BIC INGBROBU Credit institution Prudential licence Romania · On the ECB list of supervised entities · LEI 3TK20IVIUJ8J3ZU0QE75](https://elucidate.co/directory/ing-bank-n-v-amsterdam-bucharest-branch-ingbrobu)
-   [Revolut Bank Uab Vilnius Sucursala Bucuresti BIC REVOROBB Credit institution Prudential licence Romania · On the ECB list of supervised entities · LEI 485100NUOK3CEDCUTW40](https://elucidate.co/directory/revolut-bank-uab-vilnius-sucursala-bucuresti-revorobb)

[See all 6 ECB-supervised institutions →](https://elucidate.co/directory/search?cc=RO&flag=ssm)

## Groups and systemic importance

Institutions in Romania belong to 5 groups on the FSB’s 2025 list of global systemically important banks (G-SIBs). GLEIF records the head office of 3 corporate groups in the directory here. For 21 institutions here, GLEIF records a parent in another country.

### G-SIB groups

FSB 2025 list; institutions here that hold a BIC, by group

| Group | Bucket | Institutions here |
| --- | --- | --- |
| [BNP Paribas](https://elucidate.co/directory/group/R0MUWSFPU8MPRO8K5P83) | 2 | 2 |
| [Bank of China](https://elucidate.co/directory/group/54930053HGCFWVHYZX42) | 2 | 1 |
| [Citigroup](https://elucidate.co/directory/group/6SHGI4ZSSLCXXQSBB395) | 3 | 1 |
| [ING](https://elucidate.co/directory/group/549300NYKK9MWM7GGW15) | 1 | 1 |
| [Société Générale](https://elucidate.co/directory/group/O2RNE8IBXP4R0TD8PU41) | 1 | 1 |

[See all 6 institutions in G-SIB groups →](https://elucidate.co/directory/search?cc=RO&flag=gsib)

### Largest other groups

GLEIF consolidation groups, by legal entities (LEIs) in this country

| Group | LEIs here | LEIs in the group |
| --- | --- | --- |
| [Bursa de Valori Bucuresti SA](https://elucidate.co/directory/group/2549004BOCU15LMNDJ92) | 3 | 3 |
| [Banca Transilvania SA](https://elucidate.co/directory/group/549300RG3H390KEL8896) | 3 | 3 |
| [Naspers](https://elucidate.co/directory/group/21380044BQ8812EEKT59) | 2 | 3 |
| [Patria Bank S.A.](https://elucidate.co/directory/group/54930034L83M3E7JWI25) | 2 | 2 |
| [Unicredit, Societa' Per Azioni](https://elucidate.co/directory/group/549300TRUWO2CD2G5692) | 2 | 31 |

### Groups headquartered here

Largest of 3, by legal entities in the directory

| Group | LEIs in the directory |
| --- | --- |
| [Banca Transilvania SA](https://elucidate.co/directory/group/549300RG3H390KEL8896) | 3 |
| [Bursa de Valori Bucuresti SA](https://elucidate.co/directory/group/2549004BOCU15LMNDJ92) | 3 |
| [Patria Bank S.A.](https://elucidate.co/directory/group/54930034L83M3E7JWI25) | 2 |

[See all corporate groups →](https://elucidate.co/directory/group)

### Parents abroad

Institutions here by the country of their GLEIF ultimate parent (else direct parent)

-   [Austria4](https://elucidate.co/directory/country/at "Austria: 4")
-   [Italy3](https://elucidate.co/directory/country/it "Italy: 3")
-   [Germany2](https://elucidate.co/directory/country/de "Germany: 2")
-   [France2](https://elucidate.co/directory/country/fr "France: 2")
-   [South Africa2](https://elucidate.co/directory/country/za "South Africa: 2")
-   [China1](https://elucidate.co/directory/country/cn "China: 1")
-   [Spain1](https://elucidate.co/directory/country/es "Spain: 1")
-   [United Kingdom1](https://elucidate.co/directory/country/gb "United Kingdom: 1")
-   [Greece1](https://elucidate.co/directory/country/gr "Greece: 1")
-   [Japan1](https://elucidate.co/directory/country/jp "Japan: 1")

GLEIF parents are accounting-consolidation relationships. They do not show ownership shares or control.

## Payments and connectivity

Of the 114 institutions in Romania that hold a BIC, 35.1% are connected to Swift and 3 are Swift GPI members, as at 23 September 2026. Network data does not exist for the 17 that do not hold a BIC.

### Connection to Swift

Institutions that hold a BIC, by connection type in Swift’s directory

-   Connected to Swift40 · 35.1%
-   Reverse billing10 · 8.8%
-   Passive participant (no connection)64 · 56.1%

A BIC does not imply a connection to the Swift network.

### Payment schemes

Institutions that hold a BIC, reachable in each scheme

- **Reachable in a SEPA scheme:** 32 institutions
- **SEPA Instant Credit Transfer:** 4 institutions
- **T2 participants:** 15 institutions
- **Swift GPI members:** 3 institutions
- **Swift GPI members, live:** 3 institutions

[See all 3 Swift GPI members →](https://elucidate.co/directory/search?cc=RO&flag=gpi)

### National bank codes

The national directory matched to BICs on institution pages

- **Scheme:** ReGIS participant (IBAN bank code) RO-REGIS
- **Source:** [Source: Banca Națională a României ↗](https://www.bnr.ro/en/24606-lista-participantilor-la-sistemul-regis)

### Trading venues

25 live market identifier codes (ISO 10383) operated by institutions here, by category

-   Systematic internaliserSINT13
-   Multilateral trading facilityMLTF4
-   Regulated marketRMKT4
-   Not specifiedNSPD3
-   Organised trading facilityOTFS1

## All BIC codes in Romania

Look up any of the 233 BIC codes registered in Romania: the head offices and branch codes of the 114 institutions here that hold a BIC, with their LEIs and flags.

[Download the list (JSON)](https://elucidate.co/data/banks/countries/RO.json)

### Where branch codes cluster

Branch codes by city, top 8

-   Bucharest22
-   Cluj-Napoca11
-   Arad4
-   Oradea4
-   Galati2
-   Giurgiu2
-   Iasi2
-   Resita2

## Other countries in Europe & Central Asia

The directory has pages for 59 other countries and territories in Europe & Central Asia.

[Albania](https://elucidate.co/directory/country/al) [Andorra](https://elucidate.co/directory/country/ad) [Armenia](https://elucidate.co/directory/country/am) [Austria](https://elucidate.co/directory/country/at) [Azerbaijan](https://elucidate.co/directory/country/az) [Belarus](https://elucidate.co/directory/country/by) [Belgium](https://elucidate.co/directory/country/be) [Bosnia & Herzegovina](https://elucidate.co/directory/country/ba) [Bulgaria](https://elucidate.co/directory/country/bg) [Croatia](https://elucidate.co/directory/country/hr) [Cyprus](https://elucidate.co/directory/country/cy) [Czechia](https://elucidate.co/directory/country/cz) [Denmark](https://elucidate.co/directory/country/dk) [Estonia](https://elucidate.co/directory/country/ee) [Faroe Islands](https://elucidate.co/directory/country/fo) [Finland](https://elucidate.co/directory/country/fi) [France](https://elucidate.co/directory/country/fr) [Georgia](https://elucidate.co/directory/country/ge) [Germany](https://elucidate.co/directory/country/de) [Gibraltar](https://elucidate.co/directory/country/gi) [Greece](https://elucidate.co/directory/country/gr) [Greenland](https://elucidate.co/directory/country/gl) [Guernsey](https://elucidate.co/directory/country/gg) [Hungary](https://elucidate.co/directory/country/hu) [Iceland](https://elucidate.co/directory/country/is) [Ireland](https://elucidate.co/directory/country/ie) [Isle of Man](https://elucidate.co/directory/country/im) [Italy](https://elucidate.co/directory/country/it) [Jersey](https://elucidate.co/directory/country/je) [Kazakhstan](https://elucidate.co/directory/country/kz) [Kosovo](https://elucidate.co/directory/country/xk) [Kyrgyzstan](https://elucidate.co/directory/country/kg) [Latvia](https://elucidate.co/directory/country/lv) [Liechtenstein](https://elucidate.co/directory/country/li) [Lithuania](https://elucidate.co/directory/country/lt) [Luxembourg](https://elucidate.co/directory/country/lu) [Moldova](https://elucidate.co/directory/country/md) [Monaco](https://elucidate.co/directory/country/mc) [Montenegro](https://elucidate.co/directory/country/me) [Netherlands](https://elucidate.co/directory/country/nl) [North Macedonia](https://elucidate.co/directory/country/mk) [Norway](https://elucidate.co/directory/country/no) [Poland](https://elucidate.co/directory/country/pl) [Portugal](https://elucidate.co/directory/country/pt) [Russia](https://elucidate.co/directory/country/ru) [San Marino](https://elucidate.co/directory/country/sm) [Serbia](https://elucidate.co/directory/country/rs) [Slovakia](https://elucidate.co/directory/country/sk) [Slovenia](https://elucidate.co/directory/country/si) [Spain](https://elucidate.co/directory/country/es) [Sweden](https://elucidate.co/directory/country/se) [Switzerland](https://elucidate.co/directory/country/ch) [Tajikistan](https://elucidate.co/directory/country/tj) [Türkiye](https://elucidate.co/directory/country/tr) [Turkmenistan](https://elucidate.co/directory/country/tm) [Ukraine](https://elucidate.co/directory/country/ua) [United Kingdom](https://elucidate.co/directory/country/gb) [Uzbekistan](https://elucidate.co/directory/country/uz) [Vatican City](https://elucidate.co/directory/country/va)

Sources & method

Each institution counts once, in one country: the BIC country when it holds a BIC, otherwise the country of the register that lists it. Licences in other countries are shown on its page.

Sanctions listings are matched on the BIC and on the LEI mapped to it, so they cover institutions that hold a BIC only. Institutions without a BIC are not screened. Always screen against the official lists.

[Read the methodology →](https://elucidate.co/directory/methodology)

Sources for this page

-   **Swift ISO 9362 BIC directory**—institutions and branch codes, mapped to LEIs through the Swift and GLEIF BIC-to-LEI relationship file. As at 23 September 2026
-   **EBA PSD2 Register**—European Banking Authority (EBA) · [register ↗](https://euclid.eba.europa.eu/register/pir/search) retrieved 25 September 2026
-   **ECB list of supervised entities** · [ECB ↗](https://www.bankingsupervision.europa.eu/banking/list/html/index.en.html) published 20 August 2026
-   **FSB 2025 list of global systemically important banks** · [FSB ↗](https://www.fsb.org/2025/11/2025-list-of-global-systemically-important-banks-g-sibs/) published 27 November 2025
-   **GLEIF relationship records (Level 2)**—accounting consolidation as reported to GLEIF · [about Level 2 data ↗](https://www.gleif.org/en/lei-data/access-and-use-lei-data/level-2-data-who-owns-whom) as at 25 September 2026

## Assess the financial crime risk behind a counterparty

A BIC or a licence identifies an entity; it does not assess it. The Elucidate FinCrime Index (EFI) is an independent score of the financial crime risk of banks and payment firms. [Read about the FinCrime Index](https://elucidate.co/ratings).

[Book a demo](https://elucidate.co/demo-request)

Licence and registration data are drawn from the public registers of the regulators named on each page and shown for information only; the official register is always the authority. LEIs and ownership are from GLEIF. Directory and gpi data are drawn from SWIFT's public sources. SWIFT, Swift gpi and UETR are trademarks of S.W.I.F.T. SC, Avenue Adèle 1, 1310 La Hulpe, Belgium. Elucidate is not affiliated with, endorsed by or sponsored by SWIFT or any regulator named here. Elucidate does not provide payment or other financial services.