Meet Ephelia
always by your side
Ephelia is a regulated Fintech-as-a-Service infrastructure powered by e-money token technology, delivering compliant fintech solutions globally.”
Imagine a world where sending value is as effortless as sending an email, where a small‑business owner in Auckland can accept a payment from a customer in Paris and instantly remit taxes in the United States, where identity and compliance are embedded in the transaction itself instead of bolted on as an after‑thought.
At Ephelia we believe finance deserves its own interoperability layer-one that does for money what HTTP did for information. We call this the Finance Interoperability Layer (FIL). FIL is not a new product or just another API; it is a category‑defining architecture that standardizes how banks, electronic money institutions (EMIs), blockchains, and new value networks exchange money, identity and compliance policies.
What We Value
We believe that the traditional Bank-as-a-Service industry has become a costly "supermarket" of services, often leading to project failures.
At Ephelia, we work alongside our clients, advising them on the best paths to success. If your project aligns with our ecosystem, we support you through direct investments or by organizing investor clubs.
We view every project as a shared journey
your success is our success.
Meet The Team
Founder & CEO
Franco Mignemi
Entrepreneur, Executive and Board Member with 25+ years of experience in Asset Protection and Banking Services. Franco has lived in 5 countries and developed services in 9 countries always with a strong focus on business and technology innovation.
Franco’s has encompassed strategy and advisory roles at large Italian distribution groups as well as board and c-suite positions with various international entities.
Franco has served on several Payments and Banking advisory panels in the EU including as Member of the Bank of England’s Decision Maker Panel. The Panel advised on the economic uncertainties bought about by the UK’s decision to leave the EU.
Charles McManus
With over 35 years of global finance and fintech experience, Charles has guided ClearBank from its inception in 2015 to becoming a leading cloud‑based clearing bank in the UK
Eddy Abramo
An expert in portfolio management, funds and private banking, Eddy has served for Banque Internationale à Luxembourg (BIL) and Societe Generale Private Banking as Chief Executive Officer for the UAE region.
Mattia Rattaggi
Mattia combines 20 years of experience in top financial institutions, including UBS AG, in Risk and Compliance and Co-Founder of AMINA Bank (former SEBA) Mattia holds a PhD in Economics.
Davide Steffanini
With over 30 years of professional experience in the banking and payments sectors. He has held key senior leadership positions, including serving as General Manager of Visa Italy (Visa Europe) and Chairman of the Visa Italy Board.
Fiona Richards
Accomplished executive COO and strategy and transformation lead with a 20+ year career across global financial services. Previously COO and board director to a division of a FTSE 100 company,
Massimiliano Forte
Expert on financial regulation, Massimiliano has started his career in the Enforcement Unit in CONSOB (Italian Supervisory Body), and subsequently in Citibank as Compliance Manager and UBI Banca as Head of Risk.