Unlimit
Unlimit (ex Unlimint)
Unlimit (formerly Unlimint) is a global fintech founded in 2009 and headquartered in London, offering payment processing, Banking-as-a-Service and fiat on/off-ramp solutions for crypto. Through its BaaS arm it provides white-label issuing of Visa and Mastercard cards (physical and virtual, business and consumer) and accounts, targeting neobanks, fintechs, crypto exchanges and enterprises. In the UK it operates via Unlimit UK Ltd, authorised as an Electronic Money Institution by the FCA.
Data & conditions
| Service type | Card issuing / BaaS |
|---|---|
| Pricing model | Custom quote |
| Card networks | Visa, Mastercard |
| Card types | virtual, physical, debit, prepaid |
| Customer type | Fintech, Enterprise, Platforms, Marketplace |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | UK, EEA, LATAM, APAC, MENA |
| Regulator | FCA (UK) |
| OAM Italy registration | No |
| Segment | B2B |
| MiCA / License status | FCA (EMI) Electronic Money Institution authorised by the FCA (Unlimit UK Ltd) |
Strengths
- Broad offering: payment processing, BaaS with white-label card issuing and fiat on/off-ramp for crypto.
- Global footprint (around 700 employees, offices across several continents) and an FCA EMI licence in the UK plus local licences.
- No notable sovereignty advantage documented.
Weaknesses
- A B2B service: it is not an account or card the end consumer subscribes to directly.
- Custom-quote pricing and dedicated integration: suited to fintechs and enterprises, not small projects.
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (Electronic Money Institution authorised by the FCA (Unlimit UK Ltd)): reporting to authorities and freezes on order.
Verdict
Score 4.0/5, very strong profile. In its favour: broad offering: payment processing, BaaS with white-label card issuing and fiat on/off-ramp for crypto. The trade-off to weigh: a B2B service: it is not an account or card the end consumer subscribes to directly.
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
Can an individual open an Unlimit account or card?
No. Unlimit is a B2B provider: its cards and accounts are issued white-label for fintechs, neobanks and exchanges, which then offer them to their own customers. It is not a product a consumer subscribes to directly.
Is Unlimit regulated?
Yes. In the UK it operates via Unlimit UK Ltd, authorised as an Electronic Money Institution by the FCA, and it holds further local licences in the regions where it is active.
Sources
- Official service page Descrizione · BaaS Data verified on Jul 17, 2026
- baas.unlimit.com Data verified on Jul 17, 2026
- thebanks.eu Data verified on Jul 17, 2026