Capitalixe’s Senior Payments and Banking Consultant, Elena Kovacheva, recently shared valuable insights about Capitalixe’s cutting-edge fintech solutions, their revenue and plans for the next year.
Capitalixe saw 140% revenue growth in 2023. What were the key strategies that drove this explosive growth?
For us, there were three main things that we put our focus on. The first thing was disciplined specialisation in complex, underserved and high-risk sectors where reliable banking and payments are hard to access for many. Secondly, building deep partnerships across a global network of regulated providers so we could architect the right mix of accounts, collections, FX, and payment rails for each client. And third, product expansion driven by real client needs, such as broader multi currency capabilities and faster cross border settlement. With all of these focuses, we were able to highlight the biggest challenges being faced by many businesses and create a strong ecosystem to match them with reliable financial services at times where it is needed the most.
How did you manage to achieve a 225% surge in engagement from gambling and gaming Clients?
What was important to us was showing sector fluency and practical solutions. Many gaming operators struggled with account access, reconciliation across currencies, and speed to settlement. We responded to this with dedicated multi currency IBANs, clearer compliance paths and proactive account management. We also invested in on the ground conversations at industry events to refine our playbooks for onboarding and risk.
What differentiates Capitalixe from other fintech companies serving high-risk industries?
Our specialties and expertise within our team helps our clients benefit from a broad network of financial institutions, including EMIs and banks, which allows us to route complex cases to the right partner and structure accounts in a way that stands up to scrutiny. At the same time, we stay very human and outcomes oriented. The goal is not to sell a product, it is to make the client operational and scalable
Can you share how you approach entering new markets, especially in highly regulated regions?
The first thing we start with is regulatory mapping and partner selection, then structuring our approach with proof through a small number of lighthouse clients. In parallel, we align compliance documentation and ongoing monitoring to local expectations. Only when we have reliable banking corridors and repeatable onboarding do we then scale. This approach helped us diversify into new geographies and even adjacent verticals while maintaining high service levels.
What are the biggest challenges in providing banking solutions to high-risk sectors, and how do you overcome them?
The main challenges are de-risked appetites at traditional banks, as well as fragmented rules across jurisdictions and the expected operational burden of multi currency flows. We overcome them by leveraging a distributed partner network, preparing clients for enhanced due diligence from day one and designing payment architectures that keep funds moving with clear visibility on compliance. Our team’s day to day is translating complex requirements into workable banking stacks and ensuring consistency through everything we provide.
How does Capitalixe leverage fintech innovations to improve cross-border payments for clients?
At Capitalixe we connect clients to modern payment infrastructure through regulated partners that support same-day processing, local collections and competitive FX. We prioritise solutions that reduce friction at onboarding and automate reconciliation once live, delivering faster settlement, fewer manual interventions, and better cost control on international flows. Increasingly, this also means enabling payments via stablecoins, opening access for customers in emerging markets to products and services that would otherwise be difficult to utilise through traditional channels.
Can you explain how your multi-currency IBANs work and what makes them unique for your clients?
Clients receive dedicated accounts in their company name that support over 40 currencies. These accounts enable local style receiving and sending and easier reconciliation across operating entities and PSPs. The differentiator is access and when traditional banks say no, our network can often say yes, allowing clients to operate compliantly at speed.
How do you ensure your solutions stay ahead of evolving market needs in payments and Banking?
The most important step is ensuring the listen to the needs of the market and clients. Client feedback loops, sector specific research and constant dialogue with our banking partners tell us where to invest next. We also learn from the leadership example inside Capitalixe.
Can you discuss any new products or features you’re particularly excited about launching?
We are expanding our multi currency and local collection capabilities and adding more pathways for faster settlement in growth corridors. These enhancements are about doing the basics brilliantly at global scale. Alongside this, we are working closely with our partners to offer vIBANs to clients in the crypto, CFD, gambling and EMI sectors. By enabling named IBANs for their underlying customers, we help streamline deposits and withdrawals, improve reconciliation, and ultimately create a faster and more seamless payments experience.
What trends in gambling, iGaming, and high-risk sectors are shaping the future of fintech?
The demand for multi-currency accounts with local collection options remains strong as operators expand into new markets. Additionally, providers and merchants are prioritising reliability and settlement speed over novelty, which favours well-structured banking stacks. We also see continued professionalisation of compliance, with stronger expectations on data quality and ongoing monitoring, and it is the innovations within fintech that help support these realities.
At the same time, the boom in cryptocurrencies and stablecoins is reshaping international payments, particularly in higher-risk sectors. By offering quicker, cheaper and more accessible methods of payment, stablecoins allow businesses to grow their client base globally, reaching customers who may be excluded from traditional banking rails. This not only drives financial inclusion but also creates new opportunities for operators to compete on reach and efficiency, while reinforcing the need for providers to integrate robust compliance and risk management around digital assets.
Read More: Open Banking for Online Casinos