Malta · Payments & e-money
Openpayd Financial Services Malta Limited
Openpayd Financial Services Malta Limited is a private limited company registered in Malta under number C 75580. It was known as CFD Team Ltd until October 2020. The Malta Financial Services Authority (MFSA) authorises it as a financial institution under the Financial Institutions Act to issue electronic money and provide payment services. It belongs to the OpenPayd group, whose ultimate holding company is OpenPayd Holdings Limited of England. It provides e-money accounts, virtual IBANs, foreign exchange and payments to business clients under the OpenPayd brand, including through a branch in Paris.
Licences and registrations
Held by Openpayd Financial Services Malta Limited. 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 RegisterMalta Financial Services Authority | Electronic money institutionE-Money / Stored Value Institution | C 75580 | Malta | Active | 2019-05-06 | — |
|
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. No LEI is matched to this entry, and BICs are linked by LEI only.
Overview
Researched 29 Sep 2026 · Sources
Employees
Not published
Ownership
Group subsidiary
Firm type
Banking as a service
Trades as OpenPayd
- Standing
- The firm's UK establishment, registered at Companies House as overseas company FC033885, closed on 10 August 2026. In June 2026 the OpenPayd group agreed a business combination with Titan Acquisition Corp. Completion is expected in the fourth quarter of 2026.
- Ownership
- The firm belongs to the OpenPayd group, whose ultimate holding company is OpenPayd Holdings Limited of England (company number 11565881). Amphora Media reports that founder Ozan Özerk is its beneficial owner.
- Ultimate owner
- OpenPayd Holdings Limited, United Kingdom
- Head office
- Q4 Tower, Level 16, Central Business District, Quad Central, Triq L-Esportaturi, CBD 1040 Birkirkara, Malta
- Company register
- Malta Business Registry C 75580
- Incorporated
- 11 May 2016
- Founder
- Ozan Özerk
- Former name
- CFD Team Ltd
Online
- Websites & references
- openpayd.com ↗
apidocs.openpayd.com ↗ developer documentation
secure.openpayd.com ↗ client platform login - Official social accounts
- LinkedIn ↗ · X ↗ · Instagram ↗ · YouTube ↗
Sources · 14 pages consulted
- openpayd.com/legal/openpayd-group-overview/
- openpayd.com/legal/
- openpayd.com/legal/terms-of-use/
- openpayd.com/company/meet-the-team/
- find-and-update.company-information.service.gov.uk/company/FC033885
- lei.bloomberg.com/leis/view/213800JNOUJLZ7CCCM63
- financialarbiter.org.mt/sites/default/files/oafs/decisions/1842/ASF%20070-2024%20-%20ZJ%20vs%20OpenPayd%20Financi
- businesswire.com/news/home/20260902155344/en/OpenPayd-Strengthens-Position-in-the-U.S.-Market-Through-the-
- businesswire.com/news/home/20260601259498/en/OpenPayd-Targets-Nasdaq-Listing-at-Unicorn-Valuation
- ccmalta.com/insights/aggressive-scam-leads-to-compensation
- efri.io/maltas-financial-arbiter-blames-fraud-victims-for-their-greed-while-openpayd-keeps-operat
- amphora.media/2025/11/turkiye-authorities-prosecution-criminal-assets-laundering-malta-payment-provider
- amphora.media/2025/03/scam-empire-investment-fraud-malta-cash-payment
- apidocs.openpayd.com/docs/sepa-instant-payments
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The MFSA authorises the firm as a financial institution under the Financial Institutions Act (Chapter 376) to issue electronic money and provide payment services. It runs a French branch under the freedom of establishment, which the French prudential regulator, the ACPR, supervises.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Malta Financial Services Authority Malta | Financial institution licensed to issue electronic money and undertake payment services (Financial Institutions Act, Cap. 376) | C 75580 | In its own name | Active | openpayd.com ↗ |
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 accountsAccording to its terms, clients' funds are held with one of its banking partners in an account separate from its own funds, or covered by secure liquid assets or insurance where the law permits.
- Payment schemes and card networks
- SEPA Instant Credit Transfer Access not stated apidocs.openpayd.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
It provides e-money accounts with virtual IBANs, payments, FX and Open Banking services to business clients through an API. The group's crypto-asset services come from a sister company, OP Digital Services Limited.
It serves business clients in the EEA under its Maltese licence. Its French branch is registered in Paris and supervised by the ACPR.
- Payment volume
- USD 300bnannualised transaction volume (group, 'surpassed USD 300 billion')
- Sells to
- Enterprises · Platforms and marketplaces · Financial institutions · Small businesses
- Serves customers in 2 countries
- Malta · France
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Iana Dimitrova Chief Executive Officer (OpenPayd group)
- Chief financial officer
- David Bull Chief Financial Officer (OpenPayd group)
- Compliance / MLRO
- Lara Barbuto Director of Compliance, Compliance Officer & MLRO Malta
Recent events 2 enforcement or investigation items
Researched 29 Sep 2026 · Sources
-
Merger / acquisition
The OpenPayd group integrated MSB USA Inc., bringing 43 US state money transmitter licences into the group after regulatory approvals.
businesswire.com ↗ -
Other
Companies House recorded the closure of the firm's UK establishment, overseas company FC033885, on 10 August 2026.
find-and-update.company-information.service.gov.uk ↗ -
Merger / acquisition
OpenPayd agreed a business combination with Titan Acquisition Corp to list on Nasdaq as OP, at a pro-forma equity value of USD 1.145 billion.
businesswire.com ↗ -
Other
Malta's Court of Appeal annulled an Arbiter decision that had ordered the firm to compensate a victim of a crypto investment scam.
ccmalta.com ↗ -
Investigation
The Arbiter for Financial Services found the firm had credited funds contrary to payment instructions and referred this to the MFSA, but refused compensation.
efri.io ↗ -
Investigation
Turkish authorities opened a laundering probe into two companies owned by the firm's beneficial owner. Amphora Media reported the firm itself was not under investigation.
amphora.media ↗ -
Other
The Arbiter for Financial Services ordered the firm to pay EUR 26,600 to a scam victim over payments credited through virtual IBANs.
ccmalta.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
- C 75580
- BIC
- Holds no BIC in Swift’s directory
- LEI
- No LEI mapped
- Elucidate firm ID
- f6bbc711e854
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
- E-Money / Stored Value Institution
- Activities
- Money remittance
- Payment services
- Card acquiring
- Payment initiation
- Account information
- E-money / stored value
- Licensed in
- Malta · Middle East & North Africa
- First registered
- 2019-05-06
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
No LEI is matched to this entry, so GLEIF relationship records cannot be linked.
Addresses
- Address on the register
- Level 0, St. Julians Business Centre, Triq Elija Zammit, St. Julians, STJ3155
- Country
- Malta
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. No LEI or clearing code is mapped in the directory
- Postal address
- Hybrid: town, postcode and country in their own elements, the rest in two address lines
<FinInstnId>
<Nm>Openpayd Financial Services Malta Limited</Nm>
<PstlAdr>
<PstCd>STJ3155</PstCd>
<TwnNm>St. Julians</TwnNm>
<Ctry>MT</Ctry>
<AdrLine>Level 0, St. Julians Business</AdrLine>
<AdrLine>Centre, Triq Elija Zammit</AdrLine>
</PstlAdr>
</FinInstnId>- The address line repeats the town or postcode. Remove the repeat if your payment system rejects it.
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
- 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.
Assess the financial crime risk behind a licence
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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