Regulated Innovation: Hyperlender in Spain’s Financial Sandbox

Developing pioneering FinTech solutions—such as the Hyperlender project we’re driving forward in partnership with Eurostar, under the 2021 public-private collaboration call—demands a perfect balance between innovation and regulatory compliance. In this post, we explore how we are navigating this complex landscape through our participation in Spain’s Financial Sandbox.

Responsible Innovation: Our Journey in the Sandbox

In the FinTech sector, innovation without strong regulatory backing is a pipe dream. That’s why, from the very beginning, our aim with Hyperlender has been to build a platform that is not only technologically disruptive but also fully trustworthy and aligned with the legal framework. The most significant milestone in this journey has been our admission into Spain’s Financial Sandbox—a pioneering testing environment overseen by the CNMV and other relevant authorities.

Participation in the Sandbox is far more than a technical trial; it’s an ongoing dialogue with regulators. This controlled environment allows us to validate every aspect of our solution in a real-world, yet bounded setting, ensuring that all our processes comply with strict Spanish and European regulations. Special emphasis is placed on two critical areas: consumer rights protection and anti-money laundering (AML), two pillars on which we are building our users’ trust.

This co-creation process with regulators guarantees rigour. It allows us to anticipate challenges, refine our procedures, and ensure that the platform’s architecture is secure not just from a technical standpoint, but also legally. It’s the best way to ensure that when Hyperlender enters the market, it does so with maximum strength and reliability.

Digital Identity as a Compliance Cornerstone

A key pillar in ensuring regulatory guarantees is the robust verification of user identity—a process known as KYC (Know Your Customer). This enables us to offer a verification method with the highest level of security, confirming that the person behind the screen truly is who they claim to be, with a far higher degree of certainty than other methods.

This integration is not merely a security measure—it’s a statement of intent. It reflects our commitment to building a safe and trustworthy environment, aligned with the most stringent regulatory standards. For users, it means a simpler, more secure onboarding process. For regulators, it’s proof that we take compliance extremely seriously, implementing best practices from the very first stages of our system’s design.