P100
P100 sp. z o.o.
P100 is a Poland-based financial-infrastructure platform combining crypto-friendly business accounts, custodial and non-custodial wallets, branded cards and 24/7 stablecoin payments with automatic fiat conversion, also exposed via a REST API to build white-label fintech apps. The company, P100 sp. z o.o. based in Rzeszów, is entered in the Polish virtual-currency activities registry (RDWW-392). It offers both a consumer daily-banking app and infrastructure services for banks and fintechs.
Data & conditions
| Service type | Card issuing / BaaS |
|---|---|
| Pricing model | Custom quote |
| Stablecoins | USDC, USDT |
| Customer type | Fintech, Developers, Enterprise |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | EEA |
| Regulator | Izba Administracji Skarbowej w Katowicach (Polonia) |
| Segment | B2B, B2C |
| MiCA / License status | Polish VASP registry (RDWW-392) |
Strengths
- Single stack: business accounts, custodial/non-custodial wallets, cards and stablecoin payments via REST API.
- Entity registered as a VASP in Poland with segregated client funds and embedded KYC/AML.
- No notable sovereignty advantage documented.
Weaknesses
- National VASP registration only, not a full EMI/banking licence.
- Early-stage player: adoption and track record still limited and thinly documented.
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
Verdict
Score 3.2/5, average profile. In its favour: single stack: business accounts, custodial/non-custodial wallets, cards and stablecoin payments via REST API. The trade-off to weigh: national VASP registration only, not a full EMI/banking licence.
On the Sovereignty lens the score is 0.4/5 (weak): the strength is censorship resistance (1.5/5), while fund control (0.0/5) is the weak link.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Is P100 a bank?
No. P100 sp. z o.o. is entered in the Polish virtual-currency activities registry (RDWW-392); it is not a bank nor a fully licensed e-money institution. Check the official terms.
Does P100 custody user funds?
Partly: it offers custodial wallets and accounts alongside a non-custodial option. For custodial balances funds are held by P100, which states client funds are segregated.
Sources
- Official service page Descrizione · Carte Data verified on Jul 17, 2026
- play.google.com Data verified on Jul 17, 2026