UAE entity in formation · Pre-launch · Partner selection open

Global card infrastructure,built to route.

IDCO is building an API-first card-programme technology platform designed to orchestrate multiple licensed issuers, BINs and settlement rails across regions.

Discuss a partnership Investor conversation
Multi-issuerEU/EEA · US · UK · GCC · APAC
Dual settlementFiat prefunding · USDC / USDT
Regulated perimeterLicensed partners only
Launch
~$1mplanned monthly card volume at launch
Month 12
~$10mplanned month-12 monthly run-rate
Launch
1 000planned active customers at launch
Month 12
10 000planned active customers by month 12
Forward-looking planning targets · not historical results · not an offer
Target operating architecture

One product layer.
Multiple regulated rails.

Every transaction passes through a single IDCO app and ledger, then routes to the most suitable licensed issuer by residency, BIN geography, economics and programme eligibility.

Routing view · Target model
Authorisation pathFunding & settlement
LICENSED ISSUERS / BIN SPONSORS IDCO TECHNOLOGY LAYER CustomerAPP · CARD IDCO App + LedgeriOS · ANDROID · API Routing engineRESIDENCY · BINCOST · ELIGIBILITY EU / EEA BINPRIORITY US BINPRIORITY UK BINTARGET UAE/GCC · APACTARGET Visa /MastercardSPEND Local payment railTOP-UP FX / StablecoinTREASURY
LICENSED ISSUERS CustomerAPP · CARD Local railTOP-UP App + LedgerIDCO FX / StablecoinTREASURY Routing engineRESIDENCY · BIN · COST · ELIGIBILITY EU / EEA BINPRIORITY US BINPRIORITY UK BINTARGET UAE/GCC · APACTARGET Visa / MastercardSPEND
Single customer surfaceOne branded app and ledger regardless of which issuer serves the customer.
Programme-level routingCustomers are matched to an eligible programme rather than forced into one.
Dual funding railsFiat prefunding/JIT and, where permitted, USDC/USDT settlement.
Platform

Built for a
multi-issuer world.

IDCO is designed to route customers to the most suitable programme by residency, BIN geography, economics, settlement model and programme eligibility.

01 — ISSUING

Multi-BIN issuing

EU/EEA and US are priority BIN regions, with UK, UAE/GCC and APAC as additional programme targets.

EU/EEAUSUKUAE/GCCAPAC
02 — TREASURY

Fiat + stablecoin treasury

Programme funding can be designed around fiat prefunding/JIT and, where permitted, USDC/USDT settlement rails.

PrefundingJITUSDCUSDT
03 — FORM FACTOR

Virtual + physical cards

Virtual cards at launch, with physical manufacturing, personalization, packaging and international fulfilment built into the partner selection model.

04 — API

API-first lifecycle

Card issuance, controls, transaction events, 3DS, wallet provisioning and reconciliation are designed for direct API integration.

05 — DISTRIBUTION

Own mobile experience

IDCO intends to publish its own branded iOS and Android application through Apple App Store and Google Play.

06 — ECONOMICS

Commercial routing

Partner economics are evaluated across funding cost, FX, cross-border fees, interchange share, card unit economics and logistics.

Funding costFXCross-borderInterchange shareUnit economicsLogistics
Operating model

Technology layer, not an unlicensed financial institution.

IDCO is being structured as a technology and card-programme management company. Regulated issuing, custody, FX/remittance, payment processing and scheme functions remain with appropriately licensed partners.

IDCO operates

Technology & programme management

  • Branded customer app & ledger
  • Issuer routing & eligibility logic
  • API, webhooks & reconciliation
  • Programme design & partner management
Licensed partners operate

Every regulated function

  • Card issuing & BIN sponsorship
  • Custody & safeguarding
  • FX, remittance & payment processing
  • Scheme membership & settlement
Compliance

Compliance by design.

Partner eligibility and jurisdictional controls are treated as product logic, not as exceptions.

Step 01
Residency checkEligible jurisdiction
Step 02
KYCPartner-defined documents
Step 03
Sanctions & PEPScreening
Step 04
Issuer EDDWhere required
Step 05
Programme assignedLicensed issuer
Residency-led eligibilityCustomers must reside in eligible jurisdictions supported by the selected issuer programme.
Partner-defined onboardingEligibility, accepted documents and onboarding requirements follow the rules of the relevant licensed issuing and payment partners.
Sanctions controlsCustomer onboarding is intended to include KYC, sanctions and PEP screening, with issuer-specific EDD where required.
Clear regulatory perimeterEach regulated function is allocated to a licensed issuer, payment, banking, FX/remittance or settlement partner.
Partners & investors

Two ways to build with us.

IDCO is finalising its UAE entity structure and evaluating issuing, BIN sponsorship, processing, settlement and treasury partners before production launch.

For programme partners

Issuers, BIN sponsors, processors & treasury rails.

  1. Direct issuer / BIN relationships — as well as processor-led and regional programme structures.
  2. Stablecoin-native structures — where the commercial and compliance fit is strong.
  3. Clear allocation of regulated functions — IDCO stays on the technology side of the perimeter.
Discuss a partnership
For investors

A routing layer for cross-border card spend.

  1. Multi-issuer by design — not dependent on a single BIN sponsor or region.
  2. Owned distribution — branded iOS and Android app with a single ledger.
  3. Economics as a routing input — funding, FX, interchange and logistics evaluated per programme.
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Roadmap

Where we are today.

Milestones are sequenced around partner approval — no regulated service launches before its licensed partner is in place.

In progress

Entity formation

Finalising UAE entity structure as a technology and card-programme management company.

In progress

Partner selection

Evaluating issuing, BIN sponsorship, processing, settlement and treasury partners.

Planned

Launch

Virtual cards and own branded app. Target ~1k active customers and ~$1m monthly volume.

Planned

Scale · Month 12

Physical cards and additional BIN regions. Target ~10k customers and ~$10m monthly run-rate.

Current stage

Pre-launch. Partner selection in progress.

IDCO is currently finalising its UAE entity structure and evaluating issuing, BIN sponsorship, processing, settlement and treasury partners before production launch.

We are open to direct issuer/BIN relationships as well as processor-led, regional and stablecoin-native programme structures where the commercial and compliance fit is strong.

Contact

Let’s build the routing layer together.

Issuers, BIN sponsors, processors, treasury providers and investors — we’d welcome a conversation.

Partnership enquiry Investor enquiry
corp@idco.best