EUR IBANs, Mastercard cards, SEPA payments, and an API-first embedded finance platform — built specifically for freelancers, SMEs, and merchants in Romania, Moldova, and Central Eastern Europe.
A complete financial stack delivered through a clean mobile-first experience and a developer-grade API.
Personal and business IBANs passported across all 27 EU member states. Receive from anywhere, send everywhere.
Virtual cards available on Day 1. Physical cards issued within Phase 2. Full spending controls and real-time notifications.
Standard and Instant SEPA Credit Transfers. Send payroll, receive client invoices, pay vendors — all in EUR.
Hold and convert EUR, USD, GBP, MDL, and RON. FX spread of 1.5% — transparent and competitive.
Team cards with spending limits, role-based access, expense categorisation, and a web dashboard for finance teams.
A REST API with webhooks and sandbox for SaaS companies wanting to embed cards and payments into their own product.
Identity verification, transaction monitoring, and AML screening — powered by licensed infrastructure, owned UX.
Romanian and Russian-language interfaces. Local support team. Designed for Romania, Moldova, and CEE from day one.
Payroll disbursements, freelancer payments, marketplace payouts — scheduled via API with full status webhooks.
Dizovil operates as a regulated Programme Manager under Swan.io's French EMI licence. This is the same model used by Curve, Payhawk, and Spendesk.
Western European neobanks have largely ignored CEE. The gap is significant — and the timing is right.
Romania population · 72% smartphone penetration · 18% neobank adoption
Moldova population · only 8% neobank adoption · heavily underbanked
of Romanian adults are underbanked or underserved by traditional banks
projected European neobank revenue by 2028, growing at 48% CAGR
Structured in three phases — from regulatory setup to public launch and growth.
No hidden fees. No minimum balance requirements. Interchange revenue keeps the free tier sustainable.
Conservative projections showing EBITDA breakeven by Year 2 with a €200K seed raise.
€150,000 – €300,000
Covers 12-month runway: MVP build, BaaS integration, legal & compliance, marketing launch.
€288K – €1.44M
Base case at 5,000 users: €288K gross revenue. Optimistic at 20K users: €1.44M.
Year 2 · +€28K EBITDA
At 8,000 active users generating €6/user/month average revenue.
€1.44M revenue · +€890K EBITDA
20,000 active users. Series A raise of €2–5M for EU-wide expansion.
Dizovil is seeking its BaaS partner, seed investors, and early adopters. The window to lead the CEE neobank market is open now.
dizovil.com · dmeetreeus@gmail.com