Ephemeral Token Real-Time Payment Platform for Banks

Vaiu Kosova brings the Ephemeral Token Engine to Southeast Europe, letting banks issue a single-use token that is created, validated, executed and then deleted in the same moment.

Because tokens ride your existing switching infrastructure—ACH, SEPA, card networks or FedNow®—integration is API-driven and live pilots typically launch in weeks, not quarters.

For bankers, the opportunity is three-fold:

1. Lower operating cost by removing credential storage, shrinking chargebacks and reducing third-party card fees.

2. Increase liquidity with atomic, on-ledger settlement that frees trapped capital and supports 24/7 instant payouts.

3. Create new revenue through programmable real-time products—cross-border disbursements, escrow, split-payments and embedded finance services for merchants and governments.

With security certified to ISO 27001 standards and governance aligned to central-bank guidance, Vaiu Kosova positions regional institutions to leapfrog card-centric rails and meet rising customer demand for fast, safe, digital cash.