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. Here, openly, is what already holds and what we are only preparing.
The milestones below are documented by public records: the register of the Czech National Bank, opinion RS2025-28 and the final Q&As of the European Banking Authority. You will find the whole story since 2018 on the Our story page.
Three years after applying, we obtained authorisation from the ČNB to provide AIS and PIS services under PSD2. Since then we have operated payment infrastructure as a regulated payment institution.
ČNB authorisation · detailThe first bank connected through a PSD2 API: Česká spořitelna a.s. The first live transactions through Mo.one begin.
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. A precedent usable across the EU.
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.
Detail on LinkedInA detailed timeline with every milestone since the company was founded in 2018 is on the Our story page.
Three states: working on it now, in preparation, vision. What is marked as a vision is a goal, not a commitment with a date. As soon as something moves, we rewrite it here.
We 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.
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.
Public launch of the new version of the app for end customers with an improved payment experience.
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.
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.
After the EMI licence and connection to instant euro payments, expansion to further markets. Mo.one as a European alternative to cards for ordinary everyday paying.
You can verify the completed milestones yourself. The licence in the ČNB register, opinion RS2025-28 and the EBA Q&As are public documents.
Download the app and become part of Mo.one. Every further user and merchant moves the plan forward faster.
