Institutional rails.
Operator execution.
Outliers aren’t born.They’re engineered.
Building a next-gen payments company?
Launch new payment use cases in weeks with global-first payments infrastructure, embedded issuing licenses, and institutional-grade compliance.
Global Coverage & Scale
APAC • MENA Europe • LATAM • US
140+ countries covered
Launch in weeks
OUR FINTECH PARTNERS
A payments venture studio for fintech outliers.
We build the fintech companies that outperform — the ones that scale globally, move faster than the market, and win through execution.
How it works
Fintech companies build product and distribution.
Financial institutions own the rails & licenses.
We sit in between, turning ambitious payment use cases into real businesses.
The problem
The hardest part of payments isn't UX or code.
It's licensing, compliance, bank partnerships, and operational risk across multiple markets.
We make scaling simple.
Licensing friction
Complex regulatory hurdles across jurisdictions.
Compliance operations
Ongoing risk controls and operational burdens.
Bank access
Difficulty securing stable card network partnerships.
Expansion complexity
Scaling across corridors with fragmented rules.
THE VENTURE ENGINE
We bring rails, compliance & execution into one venture engine.
OTLRS provides the full stack required to ship global payment products — infrastructure, licensing access, compliance, and operator-led execution
Customer onboarding
KYC / KYB + risk rules
Card issuing
Complex regulatory hurdles across jurisdictions.
Account issuing
Multi-currency, global-ready
Remittance rails
Cross-border & payout rails
Web3 Wallets
Including on-ramp/off-ramp
Product strategy
And operating model design
Go-to-market
Scaling support & GTM
Compliance
Multi-jurisdiction compliance & Fraud monitoring
And most importantly...
Infrastructure & licenses are provided at cost, without margin stacking or platform markups.
We don’t sell tools.
We build outcomes.
DIFFERENTIATION
Others chase fees, we compound value.
OTLRS replaces margin stacking and rigid BaaS fees with at-cost infrastructure and milestone-aligned execution.
The OTLRS partner model
Infrastructure + licenses at cost
No margin stacking on rails
No vendor-style platform fees
Milestone-based partnership model
Aligned incentives from day one
Typical BaaS platforms
Margin stacked infrastructure pricing
Setup and implementation fees
Long-term minimums and commitments
Vendor incentives misaligned with outcomes
Expansion complexity pushed onto the customer
A venture-building model, not a vendor relationship
OTLRS partners with founders and companies to build, launch, and scale payment products — combining infrastructure provisioning with milestone-based guidance and operator execution.
step 01
APPLY
Free assessment of product-market fit, revenue potential, scalability, and GTM readiness. Acceptance decision by OTLRS.
step 02
DISCOVERY
Product & GTM workshops to validate use cases, refine positioning, and define success criteria.
step 03
AGREEMENT
Tripartite agreement signed between OTLRS, partner FSI, and the portfolio company.
step 04
INTEGRATION
Technical integration with front-end and required services. Testing and go-live in weeks.
step 05
LAUNCH
PMF monitoring & optimization through performance reviews, adjustments, and product workshops.
ONGOING
SCALE
Market expansion with new geographies, services, and revenue streams once PMF is achieved.
Built for scale
Faster time-to-market
Compliance & risk handled properly
Institutional partner access
Multi-corridor expansion without rebuilding market-by-market
Your brand in front — OTLRS behind the scenes
Use cases we can launch fast
Global-first rails + compliance + execution — with your brand in front.
Web3
Crypto Wallet / Exchange → Card Program
Corporate
Cross-Border Corporate Card and Account Issuance
Remittance
Cross-Border Remittance to 48+ countries
Loyalty
Rewards & Loyalty Card Programs
Acquiring
Merchant / Ecosystem Card Programs
Payroll
Staff & contractor payout using cards and accounts
Who we work with
Built for teams with distribution — and founders who move fast.
Growth Stage Companies
Crypto exchanges and wallets
Growth-stage fintechs
Remittance platforms
Loyalty ecosystems
Merchant acquirers
Entrepreneurs
Exited Founders
Founders with 10+ years in Payments
Corporate professional becoming a founder
Founder backed by prominent Angels/VCs
Financial Institutions
Banks expanding beyond core products
EMIs launching new payment use cases
Card issuers seeking distribution partners
Acquirers monetizing new verticals
Apply for a free project assessment of your product strategy and growth potential, based on a proven framework and 100+ years of combined industry experience. Every applicant receives an assessment. Selected teams will be invited to explore next steps.
Our track record
Operators building on institutional rails
We’re a compact team of fintech operators with global experience across infrastructure, licensing, compliance, and go-to-market. We work with financial institutions and regulated partners to ship payment products with speed and precision.
Products built & scaled
Volume processed within our FSI partner network
Years in Fintech
Our core team
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Fintech executive with 15+ years building global payment, card issuance, and embedded finance infrastructure across APAC, Europe, MENA, and LATAM. Founder of HolyWally (acquired by DCS Card Centre).
Veljko (Vel) Vasic
Founder & CEO
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RAK bank board member, former DBS CIO and Riyad Bank CDO, Steve brings 25+ years of financial services innovation experience.
Steve Monaghan
Chief Strategy Officer
Seasoned legal advisor specializing in tech law, digital finance, Web3, and data privacy. Daniel has held senior counsel roles at Binance, Nomura, Grab, IBM, and Citi.
Daniel Kung
Chief Operating Officer
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Engineering leader with 15+ years of experience building and scaling fintech and SaaS platforms from inception to exit, working with partners including Visa, PayPal, and Microsoft.
Tom Jakopovic
Chief Technology Officer
Outliers aren’t built on code alone.
They’re built on rails, licenses & execution.
Payment corridors
Issue financial products in 140+ countries using OTLRS payment corridors
Global
We enable global financial inclusion by issuing multi-currency payment cards in 108 countries (US based), empowering businesses and individuals to transact seamlessly across borders.
APAC
Our flagship program enables cross-border card issuance throughout Asia Pacific. This approach eliminates the need for local (MPI) licenses in each target market.
Middle East
We work with licensed local partners in the UAE to manage the entire onboarding process, card and account issuing while ensuring full compliance with UAE's stringent financial regulations while maintaining a smooth user experience.
Europe & UK
We offer corporate card and account issuing across all EU member states and the UK via our local partners who are leaders in embedded finance space.
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Apply
Apply for a free project assessment of your product strategy and growth potential, based on a proven framework and 100+ years of combined industry experience. Every applicant receives an assessment. Selected teams will be invited to explore next steps.
