Denmark · Payments & e-money
Januar Aps
Januar ApS is a Danish private limited company based in Copenhagen. The Danish Financial Supervisory Authority (Finanstilsynet) authorises it as a payment institution under PSD2. Since June 2026 it has also been authorised as a crypto-asset service provider under the EU Markets in Crypto-Assets Regulation (MiCA). The firm is privately held and backed by venture investors. It offers business payment accounts with IBANs, embedded accounts for platforms, and crypto-asset trading and custody to businesses in the EEA that work with crypto-assets.
Licences and registrations
Held by Januar ApS (LEI 984500A43E7FFC73CR76). 2 entries on 2 of the 22 tracked registers, retrieved 25 September 2026.
| Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry |
|---|---|---|---|---|---|---|---|---|
| EBA PSD2 RegisterDanish Financial Supervisory AuthorityLinked by LEI. Published by the register. | Payment institutionPayment Institution | 38891294 | Denmark | Active | 2023-04-11 | — |
|
Search the register ↗ |
| ESMA interim MiCA register of crypto-asset service providersFinanstilsynetLinked by LEI. Published by the register. | Crypto-asset service providerCrypto-Asset Service Provider | 984500A43E7FFC73CR76 | Denmark | Active | 2026-06-29 | — |
|
Search the register ↗ |
Trading names on the register: Januar (EBA-PSD2, ESMA-CASP)
- 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
- JANPDKK2XXX 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 JANPDKK2 marks reverse billing.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- SCT · SCT Inst · VOP · TIPS
- Branch codes
- None: head-office BIC only
- BIC first registered
- 2022-03-05
- Last updated
- 2022-03-05
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Employees
Not published
Ownership
Venture-backed
Firm type
E-money and accounts
Trades as Januar
- Ownership
- The firm is privately held, and its investors include Element Ventures, CMT Digital, Borderless Capital, Likeminded, Third Prime and byFounders.
- Head office
- Gothersgade 14, 4. sal, 1123 Copenhagen K, Denmark
- Company register
- CVR 38891294
- Founders
- Simon Ousager · Andreas Keinicke
- Former name
- Enlightenment ApS
Online
- Websites & references
- januar.com ↗
api-doc.januar.com ↗ API documentation
app.januar.com ↗ customer platform login
careers.januar.com ↗ careers site - Official social accounts
- LinkedIn ↗
Sources · 15 pages consulted
- januar.com/
- januar.com/terms-of-service
- januar.com/custody-policy
- januar.com/company/about-januar
- januar.com/company/news
- januar.com/news/januar-gains-direct-access-to-central-bank-operated-payment-infrastructure
- januar.com/news/januar-secures-eu-mica-authorisation-and-eu1m-funding-from-borderless-capital-and-li
- januar.com/news/introducing-januar-usd-accounts---unlock-global-payments-and-expand-your-business
- januar.com/news/payment-institution-license
- finanstilsynet.dk/tilsyn/inspektion-og-afgoerelser/2024/dec/redegoerelse-om-inspektion-i-januar-aps
- cdn.prod.website-files.com/646f3c0d1e3793b7397635eb/6753021b9a5da269c53b27f7_b9bbcab8e15622be95da140e447c2618_Redeg%
- cdn.prod.website-files.com/646f3c0d1e3793b7397635eb/685d06d09e214177eab32e17_Efterlevelse%20af%20Pa%CC%8Abud.pdf
- eu-startups.com/2024/02/copenhagen-based-januar-raises-e1-5-million-seed-extension-to-launch-b2b-crypto-s
- januar.com/news/januar-raises-historic-eu6-million-seed-round
- kaupr.io/en/news/januar-secures-mica-licence-and-raises-eu1-million
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The Danish Financial Supervisory Authority authorises the firm as a payment institution under PSD2 and as a crypto-asset service provider under MiCA. The firm states that it has notified the passporting of its payment services across the whole EEA.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Danish Financial Supervisory Authority (Finanstilsynet) Denmark | Payment institution (PSD2) | 21230 | In its own name | Active | virksomhedsregister.finanstilsynet.dk ↗ |
| Danish Financial Supervisory Authority (Finanstilsynet) Denmark | Crypto-asset service provider (MiCA) | 10908 | In its own name | Active | virksomhedsregister.finanstilsynet.dk ↗ |
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.
Partners and safeguarding
Researched 29 Sep 2026 · Sources
- Safeguarding
- Segregated safeguarding accountsThe firm states that it pools customer funds apart from its own funds, in a safeguarding account in its name at a bank, or invests them in line with Danish safeguarding rules.
- Crypto-asset custody
- Held by the firmThe firm holds customers' crypto-assets in segregated wallets through a third-party wallet infrastructure provider. It states that it provides no insurance cover for these assets.
- Payment schemes and card networks
- SEPA Direct januar.com ↗
Swift Access not stated januar.com ↗
Banks and regulated firms the firm says hold its customers’ money, issue its cards, sponsor its accounts or settle its payments, as it discloses them in its terms and notices.
Products and markets
Researched 29 Sep 2026 · Sources
The firm provides EUR, DKK and USD business accounts, SEPA and USD Swift payments, embedded IBAN accounts for platforms, and crypto-asset trading, custody and Bitcoin Lightning payments to crypto-asset businesses.
The firm states that it serves only clients established or operating in the EEA, under its Danish licences passported across the EEA.
- Sells to
- Small businesses · Platforms and marketplaces · Financial institutions
- Serves customers in 30 countries
- Austria · Belgium · Bulgaria · Croatia · Cyprus · Czechia · Denmark · Estonia · Finland · France · Germany · Greece · Hungary · Ireland · Italy · Latvia · Lithuania · Luxembourg · Malta · Netherlands · Poland · Portugal · Romania · Slovakia · Slovenia · Spain · Sweden · Iceland · Liechtenstein · Norway
- Latest funding round
- EUR 1m Jun 2026Led by Borderless Capital
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
-
Rasmus Bjerregaard
Chief Executive Officer
- Compliance / MLRO
-
Marcus Mølleskov
Chief Risk & Compliance Officer
- Founder
-
Simon Ousager
Founder, Chief Strategy Officer
- Executive
-
Jimmie Jensen
Chief Technology Officer
- Executive
-
Jørgen A. Horwitz
Board member
- Executive
- Samuel Hallenes Board member
Recent events 2 enforcement or investigation items
Researched 29 Sep 2026 · Sources
-
Other
The firm announced direct access to central bank-operated payment infrastructure and direct participation in SEPA payment schemes.
januar.com ↗ -
Licence
The Danish Financial Supervisory Authority authorised the firm as a crypto-asset service provider under MiCA.
januar.com ↗ -
Funding
The firm raised EUR 1 million in a round led by Borderless Capital, with Likeminded and CMT Digital participating.
januar.com ↗ -
Enforcement
The Danish Financial Supervisory Authority confirmed on 19 June 2025 that the firm had complied with the last of its four December 2024 orders.
cdn.prod.website-files.com ↗ -
Other
The firm stopped offering Tether (USDT) trading to its customers in the EU, citing MiCA and ESMA requirements.
januar.com ↗ -
Enforcement
After a May 2024 inspection, the Danish Financial Supervisory Authority issued four orders on board conflicts of interest, risk management and internal controls.
finanstilsynet.dk ↗ -
Funding
The firm closed a EUR 1.5 million seed extension with CMT Digital, Third Prime and Skyfall Ventures.
eu-startups.com ↗
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
- JANPDKK2XXX
- How the BIC breaks down
- JANPBank
- DKCountry · Denmark
- K2Location · reverse billing
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 984500A43E7FFC73CR76
- LEI record
- View on GLEIF ↗
- Licence no. · EBA-PSD2
- 38891294
- Licence no. · ESMA-CASP
- 984500A43E7FFC73CR76
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.Register entries: Published by the register.
- Register-entry ID
- c700e0b35eb3
Profile
- Type
- Payments & e-money · CryptoPayment 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
- 2 entries on 2 registers
- Activities
- Payment services
- Crypto-assets
- Licensed in
- Denmark
- Website (register)
- www.januar.com ↗
- Country · region
- Denmark · Europe & Central Asia
- 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
- VERMUNDSGADE 38E, 2. TV COPENHAGEN 2100 DENMARK
- Operational address
- VERMUNDSGADE 38E, 2. TV COPENHAGEN 2100 COPENHAGEN DENMARK
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
- 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>JANPDKK2XXX</BICFI>
<LEI>984500A43E7FFC73CR76</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>JANPDKK2XXX</BICFI>
<LEI>984500A43E7FFC73CR76</LEI>
<Nm>JANUAR APS</Nm>
<PstlAdr>
<TwnNm>COPENHAGEN</TwnNm>
<Ctry>DK</Ctry>
<AdrLine>VERMUNDSGADE 38E, 2. TV COPENHAGEN 2100</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 | 2026-07-06 | Head office | — |
| SEPA Instant Credit TransferISO 20022 messages | 2026-07-06 | Head office | — |
| Verification of Payee | 2026-08-21 | Head office | — |
| TIPS (TARGET Instant Payment Settlement)ISO 20022 messages | — | Head office | — |
SEPA dates are when the institution became ready for the scheme. TIPS entries have no joining date.
An institution missing from T2 may still be reachable through an indirect participant. The ECB’s TIPS list does not separate participants from reachable parties. It includes institutions reachable in Swedish kronor as well as in euro.
“ISO 20022 messages” marks a scheme or system whose rulebook or operator specifies ISO 20022 for messages between participants.
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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. Source: European Central Bank, List of TIPS participants and reachable parties.
- EBA PSD2 Register—European Banking Authority (EBA) · register ↗ as at 25 September 2026
- ESMA interim MiCA register of crypto-asset service providers—European Securities and Markets Authority (ESMA) · 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: januar.com (official website) · original; Rasmus Bjerregaard: januar.com (official website) · original; Marcus Mølleskov: januar.com (official website) · original; Simon Ousager: januar.com (official website) · original; Jimmie Jensen: januar.com (official website) · original; Jørgen A. Horwitz: januar.com (official website) · original.
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