01
Account & Wallet
Digital management of funds, transactions, beneficiaries and recurring payments.
Electronic Money · Digital Payments · Malta
Payments without borders.
Relationships without distance.
Sabir brings together digital accounts, payments, cards, collections and business services in one simple and secure European experience.
Institutional demo. Regulated services will be made available subject to applicable authorisations and completion of the licensing process.
Sabir One
● Secure session
PERSONAL RESTRICTED AREA
Financial data is visible only after login.
Log in with your User ID and personal password.
AccessPersonal
Demo profiles5 users
EnvironmentSandbox
Individual authenticationEach user can access only their own profile
Sabir OneBalances, transactions and features are available after login
Protected sessionNo financial data is exposed on the public page
One ecosystem
From electronic money to payment services.
A platform designed for retail customers, professionals and businesses operating across Europe and international markets.
02
Cards
Physical and virtual cards with spending controls, limits and real-time management.
03
Payments
Transfers, collections and digital payments through a simple and transparent experience.
04
Business
Solutions for companies, marketplaces, payouts, APIs and embedded finance services.
Sabir Retail
Digital services designed for everyday life.
A single experience for managing wallets, payments, cards and currencies, with simple customer features and controls for personal and family finances.
01
Personal Account & Wallet
Digital management of funds, beneficiaries, transactions and core payment operations.
02
Payments & Transfers
Transfers to other users and bank accounts, with transaction traceability.
03
Cards
Physical and virtual payment instruments with limits and operational controls.
04
Multicurrency
Management of balances in multiple currencies and conversions within the authorised service perimeter.
05
Family & Sub-accounts
Budgets and sub-accounts linked to the main account to organise balances and spending.
06
Sabir Connect
Digital interaction between users and services in an integrated, simple and always-accessible environment.
Sabir Business
A payment infrastructure that grows with your business.
Operational dashboard, corporate roles, approval flows, reconciliation and APIs in an environment designed to scale.
✓
Multi-user & approvalsProfiles, delegations and approval rules for teams and administrators.
✓
Payments & payoutsBulk payments and flows to customers, suppliers and contractors.
✓
API-readyIntegration with platforms, ERP systems and marketplaces.
POST /v1/payments
{
"amount": "2500.00",
"currency": "EUR",
"beneficiary": "SB-98271",
"reference": "Invoice 2098"
}
201 CREATED
{ "status": "processing", "payment_id": "PY_8K4J22" }
{
"amount": "2500.00",
"currency": "EUR",
"beneficiary": "SB-98271",
"reference": "Invoice 2098"
}
201 CREATED
{ "status": "processing", "payment_id": "PY_8K4J22" }
Investor Relations
Sabir’s industrial project and vision.
The EMI Project
The investment programme is aimed at obtaining a licence from the local supervisory authority to operate as an Electronic Money Institution (EMI) based in Malta and authorised by the Malta Financial Services Authority (MFSA) under the European E-Money Directive 2009/110/EC.
The project focuses on the issuance and redemption of electronic money, payment services and digital internet-banking solutions, with the objective of operating within the authorised perimeter and across countries reachable through SEPA.
The features and services described are objectives of the industrial project and will be made available only within the applicable authorised perimeter and after completion of the licensing process.
EMI objectives
The project aims to create and foster an integrated circular system that makes cross-border trade more efficient through a digital payments platform and an ecosystem aligned with technological developments.
- Verification of the eligibility requirements of participants in the payment network.
- Traceability and reconstructability of commercial transactions linked to money transfers carried out within the network.
- Mutual visibility among participants to foster new commercial exchange initiatives.
- Management of funds originated in multiple currencies, according to the service features and applicable limits.
- Continuous network availability, 24/7, supported by an appropriate level of user assistance.
Three Business Lines
The organisational model provides for a single payment platform, one Back Office and a central treasury function, with distinct professional capabilities for onboarding, customer management and service customisation.
B2BCommodity trading and business-to-business exchanges organised according to the product sectors served by the payment network.
B2CPurchase of goods and services through multiple sales channels and digital payment instruments.
C2CMoney transfers between participants in the payment network, within the perimeter permitted by applicable regulations.
System Operating Model
The digital payments system is designed to enable secure transfers to a mobile wallet and to integrate different funding and use channels.
- Wallet funding through bank transfers and other instruments permitted by the market and authorised perimeter.
- P2P transfers between participants in the network.
- Transfers to bank accounts or compatible payment instruments.
- Access to contracted physical channels for operations permitted by the service.
The model integrates balance management, clearing and settlement logic, the features of open card schemes and a technology infrastructure capable of supporting the messaging required for electronic-money transfers.
Key differentiators
The project aims to combine accessibility, interoperability and operational continuity in a single digital experience. In particular, the model is designed to:
- facilitate electronic-money transfers between users with different levels of access to banking services, in permitted countries and use cases;
- enable interaction with a network of contracted partners and physical channels;
- support payment instructions to bank accounts;
- integrate funding, cards, merchant purchases and online purchases.
Financial Flow Integration
The industrial project is designed to manage different types of transfers and payments in an integrated way, including SCT, SDD and digital P2P transactions, through an interconnection system between different financial platforms.
The architecture is designed to connect banking channels, electronic money, payment cards and digital systems through a common Back Office and central treasury model.
Trust by design
Security, compliance and control.
The demo reflects an architecture focused on strong customer authentication, transaction monitoring, safeguarding, AML/CFT and operational resilience under the applicable regulatory framework.
01
Digital onboardingIdentification, document verification and customer profiling through KYC/KYB processes.
02
Operational protectionStrong authentication, device management, alerts and anti-fraud controls.
03
GovernanceControls, traceability, reporting and management of operational and ICT risks.
Company · Contacts
SABIR business card
Institutional details and digital contact points for SABIR.
The web domain is connected to the Sabir portal while keeping Email Routing DNS records separate.
Sabir Pay Limited
A Maltese company with a European outlook.
Sabir Pay Limited is developing its Electronic Money Institution project in Malta with a platform focused on payments, wallets and digital financial services for individuals and businesses.
Company No. C 63911 · VAT No. MT21663036
Juanafil Group, Central Office Building, Blocco A, Livello 2, Halmann Vella, Mosta Road, Lija, LJA 9016 · Malta
