Institutional rails.
Operator execution.
Outliers aren't born.They're engineered.
Building a next-gen payments or AI-enabled company?
Launch new payment use cases in weeks with global-first payments infrastructure, embedded issuing licenses, institutional-grade compliance, and AI operating layers.
Global Coverage & Scale
APAC • MENA • Europe • LATAM • US
140+ countries covered
Launch in weeks
OUR payments & ai PARTNERS
A payments and AI venture studio for FINTECH outliers.
We build the companies that outperform - the ones that scale globally, move faster than the market, and win through execution, infrastructure, compliance, and intelligence.
How it works
Fintech companies build product and distribution.
Financial institutions own the rails and licenses.
We sit in between, turning ambitious payments & ai use cases into real businesses.
The problem
The hardest part of payments isn't UX or code.
It's licensing, compliance, bank partnerships, operational risk, fragmented corridors, and the manual work that surrounds every transaction. We make scaling simpler - by combining institutional rails, operator execution, and applied AI.
Licensing friction
Complex regulatory hurdles across jurisdictions.
Compliance operations
Ongoing risk controls, document review, monitoring, escalation, and operational burdens.
Bank access
Difficulty securing stable financial institution, card network, and payment partner relationships.
Expansion complexity
Scaling across corridors with fragmented rules, local requirements, and disconnected operating processes.
THE VENTURE ENGINE
We bring rails, compliance, execution, and intelligence into one venture engine.
OTLRS provides the full stack required to ship global payment products - infrastructure, licensing access, compliance pathways, AI workflows, and operator-led execution.
Customer onboarding &Complience
KYC / KYB, risk rules, document intake, AI-assisted review, and escalation workflows.
Card issuing
Global and corridor-specific issuing programs structured around the use case.
Account issuing
Multi-currency, global-ready accounts through regulated partners.
Remittance rails
Cross-border and payout rails across priority markets.
Web3 wallets
Including on-ramp, off-ramp, card programs, and compliance-supported operating flows.
Product strategy
Use case design, commercial model, operating model, and launch sequencing.
Go-to-market
Scaling support, partner positioning, GTM strategy, and commercial execution.
agentic ai platform
OTLRS Agentic AI platform that can create custom products, workflows, and integrations in minutes.
And most importantly...
Infrastructure and licenses are provided at cost, without margin stacking or platform markups.
AI is applied to create operating leverage, not sold as a theatre.
We don't sell tools.
We build outcomes.
DIFFERENTIATION
Others chase fees.
We compound value.
OTLRS replaces margin stacking, rigid BaaS fees, and overpriced AI build with at-cost infrastructure, milestone-aligned execution, and operating intelligence built around real business flows.
The OTLRS partner model
Infrastructure + licenses at cost
No margin stacking on rails
No vendor-style platform fees
Milestone-based partnership model
Agentic AI Platform access including AI credits
Typical BaaS platforms and AI agencies
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 and AI-enabled products - combining infrastructure provisioning with milestone-based guidance, operator execution, and applied intelligence.
step 01
APPLY
Free assessment of product-market fit, revenue potential, scalability, GTM readiness, payment feasibility, and AI leverage points. Acceptance decision by OTLRS.
step 02
DISCOVERY
Product, GTM, compliance, and workflow workshops to validate use cases, refine positioning, map operating requirements, and define success criteria.
step 03
AGREEMENT
Tripartite or venture agreement signed between OTLRS, partner FSI, and the portfolio company, with commercial incentives aligned around milestones.
step 04
INTEGRATION
Technical integration with front-end, payment services, compliance workflows, dashboards, and AI operating layers. Testing and go-live in weeks.
step 05
LAUNCH
PMF monitoring and optimisation through performance reviews, operational tuning, compliance checks, product workshops, and customer feedback loops.
ONGOING
SCALE
Market expansion with new geographies, services, revenue streams, rails, and AI workflows once PMF is achieved.
Built for scale
Faster time-to-market
Compliance and 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, and applied intelligence - with your brand in front.
Web3
Crypto Wallet / Exchange - Card Program, on-ramp, off-ramp, transaction monitoring, support automation, and compliance workflows.
Corporate
Cross-border corporate card and account issuance with expense workflows, onboarding, reporting, and finance operations support.
Remittance
Cross-border remittance to 48+ countries with onboarding, corridor operations, risk review, transaction support, and reconciliation intelligence.
Loyalty
Rewards and loyalty card programs connected to membership, customer memory, spending behaviour, and service intelligence.
Acquiring
Merchant and ecosystem card programs with settlement flows, merchant onboarding, reporting, and operational automation.
Payroll
Staff and contractor payouts using cards and accounts, supported by onboarding, compliance, reconciliation, and support workflows.
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, fintech, AI, SaaS, or regulated industries
Corporate professionals becoming founders
Founders backed by prominent angels or VCs
Financial Institutions
Banks expanding beyond core products
EMIs launching new payment use cases
Card issuers seeking distribution partners
Acquirers monetising new verticals
Apply for a free project assessment of your product strategy, payment feasibility, AI leverage points, 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 and applied intelligence.
We're a compact team of entrepreneurs with global experience across infrastructure, licensing, compliance, AI platforms, and go-to-market. We work with financial institutions and regulated partners to ship payment products with speed, precision, and operating discipline.
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 specialising 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, and intelligence.
Payment corridors
Issue financial products in 140+ countries countries using OTLRS payment corridors
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Apply
Apply for a free project assessment of your product strategy, payment feasibility, AI leverage points, 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.
