Transact365
Transact365
Transact365 aims to cover emerging markets in Asia and Africa as a payment institution. Its profile is, however, severely undermined by a very low Trustpilot score (1.5/5) and the absence of a verifiable license, with very high risk that argues against use. As of 23 July 2026 the historic transact365.com domain is unreachable (persistent timeout) and transact365.io has an expired TLS certificate: the only active site is t365.io.
Data & conditions
| Service type | Card issuing / BaaS |
|---|---|
| Pricing model | Hybrid |
| Fiat rails | SEPA, SWIFT |
| Fund custody | Self-custody (funds in your control) |
| KYC | Full |
| Supported countries | APAC, AFRICA · 30+ countries |
| Regulator | Financial Conduct Authority (FCA) |
| OAM Italy registration | No |
| Segment | B2B |
| MiCA / License status | Authorised Payment Institution / EMI |
Strengths
- potential copertura markets emerging Asia/Africa.
- Self-custody: funds stay in your wallet — the platform cannot touch them.
Weaknesses
- ⚠️ Trustpilot 1.5/5; no verifiable license; very high risk; as of 23/7/2026 transact365.com is unreachable and transact365.io has an expired TLS certificate (only t365.io remains active).
- Full KYC required: verified identity, zero pseudonymity.
Verdict
This is the category's lowest score (tier D) for reasons that bear directly on protection: a 1.5/5 Trustpilot score and the absence of a verifiable license, despite the FCA reference. Without a demonstrable license and with such negative user feedback, the risk is very high and use is discouraged.
Through this lens it is also worth little, but not for the right reasons: it remains a custodial payment institution with full KYC, not a trustless system. The lack of a verifiable license, which for sovereignty might seem neutral, here compounds dismal reliability and offers neither real privacy nor self-custody in return.
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
What service does Transact365 offer?
Transact365 is a Card Issuing & BaaS service with a hybrid model pricing.
What compliance does Transact365 hold?
Compliance certifications are not publicly documented.
How much does it cost to integrate Transact365?
Pricing model: a hybrid model. Per-unit fees are not published: they depend on volume and contract.
Does Transact365 support stablecoins?
Supported stablecoins are not documented.
Who is Transact365 for?
Target: B2B. SDKs and integrations are not publicly documented.
Sources
- Official service page Compliance certs · Corporate site Data verified on Jul 23, 2026
- payatlas.com Fiat rails Data verified on Jun 15, 2026
- businesscloud.co.uk Founders Data verified on Jun 14, 2026
- financialit.net Licenses · Target.regioni servite · Target.paesi num Data verified on Jun 14, 2026
Show 4 more sources
- find-and-update.company-information.service.gov.uk Founded · Headquarters · Legal name · Company type · +1 Data verified on Jun 14, 2026
- trustpilot.com Trustpilot reviews Data verified on Jun 14, 2026
- transact365.com Pricing model · Compliance · Volume Data verified on Jun 13, 2026
- uktech.news Founders · License type · License country · Regulator Data verified on Jun 13, 2026
Update history
- Official URL updated to t365.io, the only active domain (HTTP 200, the 'Think Local, Go Global' site of 365 MONEY INC.): transact365.com times out persistently and transact365.io has an expired TLS certificate. Rating unchanged (2, tier D): the underlying issues — 1.5/5 Trustpilot and unverifiable license — remain.