Behind Mo.one a.s. stands a team with many years of experience in running companies, in payment services and in regulation. We operate Czech payment infrastructure under a licence from the Czech National Bank for AIS and PIS under the PSD2 directive.
Five key figures who have held the company together from the regulatory filing with the Czech National Bank in 2018 to today's working payment infrastructure connected to eight banks.
Owner of a law firm, he joined Mo.one (then ZNPay) in May 2024. With him came the transformation of the company from a purely regulatory project into the maker of a real product for end customers.
LinkedIn
He joined Mo.one in June 2024, first as a business developer, and soon took over responsibility for the technical side of the project and for product development.
LinkedIn
One of the five original founders of ZNPay in 2018. The goal from the start was to bring direct mobile account-to-account payments into physical shops.
LinkedIn
One of the original founders and fathers of the idea of direct payments in physical shops. He draws on many years of experience and contacts in the payments and banking world.
LinkedIn
A lawyer and expert on the regulatory environment. Experience from the merger of Max banka and Banka CREDITAS. He joined Mo.one in February 2025 to enforce banks' PSD2 obligations.
LinkedInA regulated payment institution with its own technical base. Everything about the licence and supervision is on a separate page.
What we had to do so that people could comfortably pay directly from account to account without card scheme fees. The founders, regulatory fights with banks, opinion RS2025-28 as a precedent for the whole EU, the first bank with a fixed PSD2 API.
Five founders set up ZNPay a.s. with the goal of obtaining a licence from the Czech National Bank to provide AIS and PIS services. The aim: to bring direct account-to-account payments by mobile phone into physical shops. The company was founded as a direct response to the PSD2 directive, which opened the way to direct account-to-account payments.
From the start, technical obstacles appear on the banks' side that make AIS and PIS services inconvenient to the point of being unusable. The EBA issues an interpretative opinion clarifying what counts as a prohibited obstacle and what is required of the user experience and of API availability. From this moment on, banks - and not only on the Czech market - are in breach of applicable regulation.
The EBA calls on national regulators to actively remove obstacles in PSD2 open banking APIs and gives them guidance on how. Banks exempted from the duty to have a fallback mechanism should have those exemptions withdrawn.
Three years after applying, ZNPay a.s. received authorisation from the Czech National Bank to provide AIS and PIS services under PSD2.
ČNB authorisation · detailJakub Koudelka, owner of a law firm, joins ZNPay a.s., becoming the main shareholder and CEO. A period begins in which the company moves from a purely regulatory project towards a product for end customers.
First as a business developer, later as CIO/COO responsible for the technical side of the project including the product itself.
The first bank connected through a PSD2 API: Česká spořitelna a.s. The first live transactions through Mo.one begin.
A lawyer and expert on the regulatory environment with experience from the merger of Max banka and Banka CREDITAS strengthens the legal base for enforcing banks' PSD2 obligations.
On the basis of a technical and legal analysis we asked the Czech National Bank for an interpretative opinion on the user experience of the PIS service and on what can be considered a prohibited obstacle in banks' dedicated APIs.
We completed an analysis of the dedicated interfaces of practically every bank on the Czech market. The conclusion: not one of them meets the regulation. We send banks the first requests to fix their PSD2 open banking APIs.
The Czech National Bank agreed with our technical and legal conclusions and issued a regulatory interpretative opinion that makes it easier for us to enforce banks' obligations in providing dedicated APIs.
ČNB opinion RS2025-28The first bank fixed its dedicated interface so that connecting an account and paying are genuinely free of obstacles for clients · Fio banka, a.s. for the Android mobile operating system.
Against banks that have not even given an expected date for remedy or that refuse constructive communication, we have started the first legal steps: actions for protection against unfair competition, a submission to the Office for the Protection of Competition and a submission to the ČNB to withdraw exemptions under Article 33(6) and (7) of the RTS Regulation on SCA.
The European Banking Authority published three final Q&As on questions we submitted as Mo.one (formerly ZNPay). The EBA's interpretation matches our reasoning: the authentication procedure is the user's whole journey, the benchmark for a bank is its own mobile app, and every superfluous step is an obstacle. Fewer obstacles for users, a level playing field for third parties across the EU.
Detail on LinkedInWe expect PSD2 open banking APIs to be fixed at least by Fio banka, Komerční banka, Air Bank, Česká spořitelna, ČSOB, MONETA Money Bank and Raiffeisenbank · according to their commitments.
Public launch of the new version of the app for end customers with an improved payment experience.
The story continues. As soon as more banks comply, we will add the event to the timeline.
Mo.one is building Czech independence from non-European card companies. From a regulated payment institution to an ecosystem built on our own payment infrastructure.
Connecting the first Slovak banks and preparing for the eurozone. Launch of Orbit L, which handles card transactions and direct payments in one device.
Open dialogue with the European Commission, the EBA and the ECB on uniform enforcement of PSD2 rules across the EU. After a meeting in person with Commissioner Albuquerque, DG FISMA took the matter over.
Hardware distribution of Orbit terminals in three categories by turnover, plus a SoftPOS variant. Commercial rollout through the franchisee acquisition network.
Application for an Electronic Money Institution licence. It opens the way to a Mo.one account for clients and to holding user funds.
After obtaining the EMI licence, a Mo.one account for clients and the digital koruna in the Mo.one ecosystem. With it, bulk and automated payouts, simpler invoicing and faster payments. We currently hold a limited network authorisation from the Financial Analytical Office.
From payment infrastructure to a whole ecosystem: secure communication and chat for adults and for children, Mo.one Promo with merchant offers, and cross-border payments as a European alternative to cards.
Download the app and become part of Mo.one. Direct payments are ready for merchants, and a portfolio of their own for franchisees.
