Your money and data protected at every step
Railor is a licensed EMI regulated by the Bank of Lithuania. Every account, every transaction, and every piece of data is protected by institutional-grade security – so you can focus on your business, not your exposure.
Passporting across the EEA
Our EEA passport gives us legal operating rights in 27 countries. One licence, no exceptions.
Licensed by the Bank of Lithuania
EMI Licence No. 8, held continuously since 2017 and publicly verifiable through the official register.
Authorised for the Full Scope
Our licence covers e-money issuance and redemption (under EMD2) and payment services (under PSD2).
Your money, held separately
Your money never mixes with ours. All client funds are segregated and held in dedicated accounts at credit financial institutions
Held with Licensed Credit Institutions
Always accessible
Your funds are held at credit institutions, completely separate from Railor's operating capital and remain accessible to you at all times.
Protected by EU law
Client fund safeguarding is a legal requirement under EU e-money regulation – not a policy choice. Your funds cannot be used for our business operations, ever.
Continuously audited
Safeguarding practices are subject to ongoing regulatory oversight, with separate backup and disaster recovery environments ensuring business continuity.
How is your personal data protected?
We don't just comply with data protection law – we build around it. Your personal and business data is processed, stored, and protected under the strictest EU standards.
Only the data we need
01We collect and process only the personal data necessary to provide our services and fulfil our legal and regulatory obligations - nothing gathered just in case.
Security built in
02Encryption, strong customer authentication, and strict access controls. Your data is stored on AWS infrastructure and processed exclusively within the European Economic Area, with separate backup and disaster recovery environments.
Transparency and control
03We explain how your personal data is used and give you the tools to exercise your data protection rights. We don't share or monetise it - not now, not ever.
How are your payments protected?
Every transaction runs through multiple layers of security - automated and human - before it clears.
Strong Customer Authentication (SCA)
Every account login requires a second layer of verification - keeping your account secure even if your password is compromised.
Transaction notifications
Every payment triggers an instant alert. You know the moment money moves - before anything can go unnoticed.
Real-time fraud monitoring
Every transaction is screened instantly. Suspicious activity triggers automatic alerts before damage occurs.
End-to-end encryption
All data between you and Railor is encrypted with industry-standard TLS protocols.
Answers to common questions
Everything you need to know about our product and services in one place
Your data is used for one thing: running your account. We collect only what’s needed to provide our services and meet our regulatory obligations – nothing gathered just in case. It’s encrypted, stored on AWS infrastructure exclusively within the EEA, and never shared or monetized. Full details: Privacy Policy.
They won’t get far. Every login requires Strong Customer Authentication, so a stolen password isn’t enough. Every transaction is screened in real time for fraud, and every payment triggers an instant alert, so you know the moment money moves. Spot something wrong? Contact our support team.
In the public register of the Bank of Lithuania. Railor is the brand of NEXTEDGE, UAB — EMI Licence No. 8, held continuously since 2017, covering e-money issuance under EMD2 and payment services under PSD2. Our EEA passport gives us legal operating rights across 27 countries. One licence, no exceptions.
Yes. Licence details, safeguarding arrangements, transaction records – whatever your accountants, auditors, or compliance team need. Ask your account manager and you’ll get it, without a support queue in between.
