D28 Finance needed a partner with global reach, trusted infrastructure, and cost-efficient payment technology to support its fintech and merchant clients as they expand across multiple markets.
About
D28 Finance is a boutique consultancy based in Split, Croatia, specializing in payments, fintech, and transaction-banking solutions. Founded by Davor Žilić, D28 Finance assists international clients, ranging from fintechs and merchants to crypto platforms, with licensing, compliance, and Payment-Service-Provider (PSP) strategy.
The Challenge
Global businesses face mounting challenges when it comes to managing international payments. From navigating compliance requirements to handling multiple currencies, hidden fees, and fluctuations in FX costs; cross-border payments can quickly become costly and time consuming.
Many organizations require expert support to identify and partner with the right PSPs in each region, ensuring they can operate efficiently while remaining compliant with local regulations.
D28 Finance is hired precisely because its clients face complex, multi-jurisdictional payment issues. They provide strategic guidance to manage cost, operational complexity, and regulatory burden across borders.
Davor Žilić, Founder of D28 Finance explains, “Cost is the primary focus for us. Second is geographical reach. We work with a fintech company in the UAE that aims to target the entire Gulf region; however, they lack a broad reach outside of the region. That’s where TransferMate kicks in for us.”
The Solution
To help solve these challenges, D28 Finance partners with TransferMate, leveraging its global reach, liquidity, and payment infrastructure to recommend efficient, compliant payment solutions to fintechs and merchants alike.
TransferMate’s Global Accounts solution has proven particularly relevant for D28’s client base.
“Its ease of use, setting up and managing liquidity, is phenomenal. Especially for younger companies that don’t have the operational capacity to manage multiple bank accounts. It’s crucial for them.”
Davor adds that TransferMate’s infrastructure supports clients’ growth across new markets and reduces operational burden through its single-vendor approach.
“It’s easier for them to manage one third-party vendor rather than ten different ones,” he explains. “TransferMate’s broadness of services and country scope definitely saves our clients time and money.”
Within D28 Finance’s broader advisory work, identifying PSPs and forming partnerships is one of the core services. TransferMate’s global payments infrastructure, covering over 200 countries and territories, as well as more than 140 currencies, compliments D28’s toolkit.
The Results
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While the partnership is still developing, D28 Finance is already seeing clear benefits for its clients. TransferMate’s unrivalled fintech infrastructure adds credibility and reach, while its pricing model delivers meaningful savings on foreign exchange and transfer costs.
“Other providers are earning quite a good margin on inter-bank transfers,” says Davor. “So absolutely, there’s a real cost advantage for clients when they use TransferMate.”
Clients can manage international payments through a single trusted provider, reducing administrative tasks and enhancing efficiency. TransferMate’s Global Accounts solution has also proven valuable for fintechs and younger companies needing a simple, scalable way to manage liquidity across markets.
“TransferMate’s range of currency and country coverage, coupled with the Global Accounts offering is all very appealing to our clients... it definitely saves them both time and money,” notes Davor.
For D28 Finance, the partnership deepens its advisory offering and opens new revenue opportunities, while reinforcing its reputation as a trusted expert in the payments space.
The Final Word
“Partnering with TransferMate enhances my credibility in the market. But more importantly, it adds real value for my clients through liquidity solutions, Global Accounts, and efficient cash management.”
— Davor Žilić, Founder & Partner, D28 Finance
Ready to streamline your global payments? Contact TransferMate today to discover how Global Accounts can save you time, money, and complexity across borders.
