About

About OVAAL.

OVAAL is the Web3 finance infrastructure that licensed EU and MENA fintechs integrate to ship crypto-native features. AA-native wallets, ramp aggregation, bill-pay from stablecoins, automation, and compliance plumbing, without building the stack themselves or holding their own retail license.

Why we exist

The EU post-MiCA and post-SEPA-Instant-send-mandate is one of the clearest windows in crypto-fintech history to ship compliance-first retail flows. The in-house build to do it is 12 to 18 months plus a specialist team. We took the opposite bet: build the stack once, ship it as embedded infrastructure, and let licensed partners focus on customer acquisition, license management, and brand.

The same opportunity exists in MENA via VARA and CBB frameworks. We support both regulatory lanes from day one.

Our posture

  • Non-custodial by default. Your users hold their own keys. We never hold customer funds.
  • Partner-license-aware. You keep the regulatory authorization. We're infrastructure.
  • Honest about trade-offs. Where competitors are stronger, we say so.
  • Transparent commercials. Ranges are published. No "contact us" for basic numbers.

Where we work

Legal entity: BT4 INVEST OÜ (operating as "OVAAL"), Estonia, e-Business Register 12443056. Corporate details publicly verifiable at ariregister.rik.ee (BT4 Invest OÜ).

Distributed team across EU and MENA time zones. Core overlap 11:00 to 15:00 CET.

Working languages: English, with Russian and Arabic coverage on the team.

Contact