kevin.

# Kevin. – High-Level Overview

Kevin. is a fintech payment infrastructure company that provides secure, developer-friendly payment solutions for banks, fintechs, and e-commerce platforms.[1] Founded in 2017 and based in Vilnius, Lithuania, the company has raised $76.7 million in total funding, including a Series A round of $65.1 million.[1][2] Kevin. solves a critical problem in the payments ecosystem: it enables financial market players to build and deploy payment products without requiring their own licenses, leveraging open banking infrastructure to accelerate time-to-market and reduce regulatory friction.

The company serves a diverse customer base across the financial services spectrum—from traditional banks seeking to modernize their payment capabilities to emerging fintechs and e-commerce platforms needing reliable payment rails. Kevin.'s platform offers plug-ins, mobile SDKs, APIs, and integrations that abstract away the complexity of payment infrastructure, allowing clients to focus on product innovation rather than backend compliance and technical debt.

# Origin Story

Kevin. emerged during a period of rapid fintech expansion and open banking adoption in Europe. Founded in 2017, the company was built by Tadas Tamošiūnas (CEO) and Robertas Sadovskis (CTO), who recognized an opportunity to democratize access to payment infrastructure.[1] The timing was strategic: European regulators were mandating open banking standards (PSD2), creating both regulatory tailwinds and market demand for platforms that could help institutions navigate this transition. Over nearly six years of operation, Kevin. has scaled from a regional player to a well-funded fintech with significant institutional backing, positioning itself as a critical infrastructure layer in the European payments ecosystem.

# Core Differentiators

• Developer-first approach: Kevin. prioritizes ease of integration through modern APIs, SDKs, and pre-built plugins, reducing friction for technical teams implementing payment solutions.

• Regulatory agility: By enabling clients to build regulated payment products without obtaining their own licenses, Kevin. compresses the path from concept to market launch—a significant competitive advantage in a heavily regulated industry.

• Open banking leverage: The platform capitalizes on PSD2 and similar open banking mandates, turning regulatory requirements into a source of competitive advantage and network effects.

• Multi-stakeholder platform: Unlike point solutions, Kevin. connects banks, fintechs, and merchants on a single infrastructure, creating ecosystem value and reducing fragmentation in the payments value chain.

# Role in the Broader Tech Landscape

Kevin. operates at the intersection of two powerful trends: open banking adoption and infrastructure-as-a-service (IaaS) consolidation in fintech. As regulators globally mandate open banking standards and APIs, companies like Kevin. become essential connectors—reducing the friction between regulated financial institutions and innovative service providers. The company is riding the wave of European fintech maturation, where the market has moved beyond consumer-facing apps toward B2B infrastructure plays that unlock systemic efficiency.

The timing is particularly favorable: traditional payment networks (Visa, Mastercard) face pressure to modernize, while banks seek to reduce dependency on legacy systems. Kevin.'s positioning as a neutral, licensed infrastructure provider makes it attractive to both incumbents and challengers. By enabling faster product development cycles and lower compliance barriers, Kevin. influences the broader ecosystem by accelerating innovation velocity across the payments sector—a multiplier effect that extends far beyond its direct customer base.

# Quick Take & Future Outlook

Kevin. is well-positioned to become a critical infrastructure layer in European payments, with potential for geographic expansion as open banking mandates spread globally. The company's next chapter likely involves deepening its platform capabilities—expanding beyond payments into adjacent financial services, building stronger data and analytics layers, and potentially pursuing strategic partnerships or acquisition by larger financial infrastructure players.

The key question is whether Kevin. can maintain its developer-friendly positioning while scaling to serve enterprise customers with complex compliance requirements. If successful, the company could define the standard for how modern payment infrastructure is built and deployed—much as Stripe did for online payments a decade ago. The convergence of regulatory tailwinds, market demand for faster innovation cycles, and Kevin.'s technical execution suggests the company is on a trajectory toward significant influence in reshaping how financial institutions build and deploy payment products.