Mangopay is a regulated financial infrastructure platform built for platforms and marketplaces that need to manage complex multi-party payment flows. Using a wallet-based architecture, Mangopay enables businesses to create and manage millions of multi-currency wallets, attach virtual IBANs, automate reconciliation, and orchestrate pay-ins, payment splits, and global payouts. The platform also provides FX services, identity verification, and fraud and risk management powered by machine learning to protect transactions and reduce unauthorized activity. With a single integration, platforms can control and monetize payment flows, streamline operations, and offer embedded finance experiences at scale.