Calida Financial is a licensed e-money institution headquartered in Malta. We build tailored financial infrastructure for companies across the EU and EEA. From embedded wallets and prepaid programs to full-stack distribution of digital value, we enable our partners to launch and scale financial products with confidence. Our platform combines regulatory strength with technical flexibility, built for PSPs, fintechs, merchants, and digital-first innovators.
Embedded
Finance
Custom-Branded
Value
Real-Time
Distribution
EU/EEA
Licensed
What does Calida Financial do?
Calida Financial enables companies to embed financial functionality directly into their platforms. We provide a regulated, API-first infrastructure that powers embedded payments, wallets, prepaid cards, digital vouchers, and real-time distribution.
Embedded Finance
We bring financial services right to where your customers already are. With our embedded infrastructure, you can integrate payments, wallets, and account functionality directly into your app or platform. No banks, no detours. Just seamless, compliant finance that fits your customer experience.
Distribution Services
We do not just power your e-money or prepaid programs. We ensure they reach the right users at the right time. Our API-driven logistics layer manages global distribution and fulfilment across digital channels in real time. From issuing to delivery, we streamline every step so your products are launched, activated, and scaled with measurable reach.
Prepaid Programs
We support the full prepaid ecosystem, wallet, vouchers, gift cards, any program - Whether you're building embedded rewards, marketplace payouts, or branded spend solutions, our infrastructure lets you issue, manage, and scale with confidence. It’s custom-branded value, designed for modern use cases
We don’t just plug you into a system. We build with you.
Here’s how we take you from idea to execution:
Scope
We work with you to define your goals, technical setup, and regulatory requirements. No assumptions — just clarity from the start.
Configure
We tailor the right components for your use case, including embedded payment logic, prepaid issuing, voucher systems, and global distribution.
Launch
You go live with licensed infrastructure, automated flows, and a system built for scale. We remain involved to support your next steps.
We collaborate with teams who need more than a one-size-fits-all provider. Whether you are scaling a fintech product, managing payouts, or expanding your payment network, Calida provides the licensed infrastructure to support your vision.
Add licensed capabilities to your stack. We support issuing, e-money, wallet logic, and real-time distribution to help you reach new markets faster.
Embed compliant financial features into your app. From wallets and vouchers to account-level functionality—our modular system grows with you.
Simplify loyalty programs, payouts, and gift card flows. We manage issuing, compliance, and digital fulfillment so you can stay focused on your customers.
Whether you have a use case in mind or just want to explore possibilities, let’s start a conversation.