Spain · Payments & e-money
Morpheus Aiolos, S.l.
Legal name in the LEI recordMORPHEUS AIOLOS, S.L
Morpheus Aiolos, S.L. is a Spanish limited company based in Alcobendas, Madrid. The Banco de España authorises it as a payment institution for payment initiation and account information services, under register number 6901. It trades as Afterbanks Arcopay and belongs to the Indra group. It states that it is part of Indra's payments subsidiary, formerly Minsait Payments and renamed Nuek in March 2025. It provides businesses with API-based bank data aggregation, account holder verification and account-to-account payment initiation. Its clients include banks, accounting software providers, lenders, debt collectors and e-commerce firms. Minsait, an Indra company, announced in September 2019 that it had acquired 100% of Afterbanks.
Licences and registrations
Held by Morpheus Aiolos, S.l. (LEI 959800716HEDCSA8H565). 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 RegisterBank of Spain | Payment institutionPayment Institution | 6901 | Spain | Active | 2020-06-15 | — |
|
Search the register ↗ |
- 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.
Swift network
Swift’s ISO 9362 BIC directory
Holds no BIC in Swift’s directory.
Its LEI is not mapped to a BIC in the Swift and GLEIF BIC-to-LEI relationship file.
Overview
Researched 29 Sep 2026 · Sources
Employees
Not published
Ownership
Group subsidiary
Indra Sistemas, S.A.
Firm type
Open banking
Trades as Afterbanks Arcopay
- Ownership
- Indra Sistemas, S.A. reports the firm as a consolidated subsidiary in its LEI record, and the firm states that it is part of Indra's payments subsidiary Nuek, formerly Minsait Payments.
- Direct parent
- Indra Sistemas, S.A., Spain
- Head office
- Avenida de Bruselas 35, 28108 Alcobendas, Spain
- Company register
- Registro Mercantil de Madrid, Hoja M-547305 (NIF B86556420)
- Incorporated
- 27 Sep 2012
- Founder
- David Lozano Lucas
Online
- Websites & references
- arcopay.io ↗
afterbanks.com ↗ former brand domain, now serving the Arcopay site
docs-es.arcopay.io ↗ developer documentation
nuek.com ↗ website of the parent payments group (Nuek, formerly Minsait Payments) - Official social accounts
- LinkedIn ↗ · X ↗ · Facebook ↗ · Instagram ↗ · YouTube ↗
Sources · 12 pages consulted
- arcopay.io/en/
- arcopay.io/en/company/
- arcopay.io/en/legal/
- arcopay.io/condiciones-aplicables-a-servicios-de-iniciacion-de-pagos.html
- arcopay.io/condiciones-aplicables-a-servicios-de-informacion-sobre-cuentas.html
- arcopay.io/aviso-legal.html
- bportugal.pt/en/entidadeautorizada/morpheus-aiolos-sl
- nuek.com/en/publications/newsroom/minsait-payments-undergoes-a-transformation-and-launches-its-new
- eleconomista.es/tecnologia/noticias/13795327/02/26/indra-cancela-la-venta-de-su-filial-minsait-payments.h
- atalayar.com/en/articulo/economy-and-business/indra-initiates-the-sale-process-of-its-payments-subsidi
- atalayar.com/en/articulo/economy-and-business/bbva-reaches-an-agreement-with-minsait-payments-to-boost
- viaempresa.cat/es/arco-mediterraneo/afterbanks-startup-lanzadera_1928604_102.html
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The Banco de España authorises the firm as a payment institution for payment initiation and account information services, under register number 6901. The Banco de Portugal lists it as an EU payment institution providing services in Portugal under the freedom to provide services since 24 September 2020.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Banco de España Spain | Entidad de pago (payment initiation and account information services) | 6901 | In its own name | Active | arcopay.io ↗ |
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
It provides an API for financial aggregation, account holder verification and account-to-account payment initiation. It also offers non-financial data aggregation from telecoms and utilities and downloads of Spanish Norma 43 and Norma 19 bank files.
The firm states that it has connectivity in Spain, Portugal, Greece, Italy and Romania, and in Mexico, Argentina, Colombia and Chile.
- Sells to
- Financial institutions · Enterprises · Platforms and marketplaces
- Serves customers in 5 countries
- Spain · Portugal · Italy · Greece · Romania
Recent events
Researched 29 Sep 2026 · Sources
-
Other
Indra told the Spanish securities regulator (CNMV) that it had formally closed its review of options to divest its payments subsidiary Nuek, the firm's parent group.
eleconomista.es ↗ -
Other
Minsait Payments, the Indra payments subsidiary that includes the firm, launched its new brand Nuek.
nuek.com ↗ -
Other
Indra's board started a formal process to analyse options for Minsait Payments, including a possible sale.
atalayar.com ↗ -
Other
BBVA reached an agreement with Minsait Payments to use Afterbanks Arcopay for its financial aggregation service.
atalayar.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
- Licence no. · EBA-PSD2
- 6901
- BIC
- Holds no BIC in Swift’s directory
- How the LEI was matched
- Matched by Elucidate to GLEIF on name, country and address
- Elucidate firm ID
- c31ee6189ac1
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.
- Main licence class
- Payment Institution
- Activities
- Payment services
- Payment initiation
- Account information
- Licensed in
- Spain · Europe & Central Asia
- First registered
- 2020-06-15
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
- Direct parent
- Indra Sistemas, S.A. · Spain95980020140005308793 ↗
The Indra Sistemas, S.A. group has 2 institutions in the directory, in 1 country: 1 holds a BIC and 1 does not.
Including Indra Sistemas SA.
See the Indra Sistemas, S.A. group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Address on the register
- AVENIDA DE BRUSELAS 35, ALCOBENDAS, 28108
- Country
- Spain
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
This institution holds no BIC. A CBPR+ message identifies it by name and postal address, and may add its LEI or a clearing code.
- Identified by
- Name and postal address, with its LEI
- Postal address
- Hybrid: town, postcode and country in their own elements, the rest in one address line
<FinInstnId>
<LEI>959800716HEDCSA8H565</LEI>
<Nm>MORPHEUS AIOLOS, S.L.</Nm>
<PstlAdr>
<PstCd>28108</PstCd>
<TwnNm>ALCOBENDAS</TwnNm>
<Ctry>ES</Ctry>
<AdrLine>AVENIDA DE BRUSELAS 35</AdrLine>
</PstlAdr>
</FinInstnId>CBPR+ identifies the instructing and instructed agents by BIC only. An institution without a BIC can be the debtor, creditor or an intermediary agent.
The values are as published by the register. Check them against your own records before use.
Sources & method
Register entries come from the public registers of financial regulators, standardised into one taxonomy. LEIs are matched through GLEIF, and a BIC is linked only through a shared LEI.
An institution missing from these registers is not necessarily unregulated.
Register entries are not matched against the OFAC or EU sanctions lists. Where the legal entity also holds a BIC, the matches for that BIC are on its page. Always screen against the official lists.
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 →Register for this page
- EBA PSD2 Register—European Banking Authority (EBA) · source ↗ as at 25 September 2026
- Ownership and group—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
- 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.
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A licence records what an institution is authorised to do; it does not assess it. The Elucidate FinCrime Index (EFI) is an independent score of the financial crime risk of banks and payment institutions.
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