Six years rebuilding how money moves.
Elsa Group is a payments technology company born to lower the cost of moving money across borders. What started in 2020 as a consumer remittance product has grown into a group that powers two production-grade payments platforms — backed by some of the most respected names in the industry.
Six years building payment solutions.
- 2020
2020 · Elsa Technologies is founded
Founded with a single conviction: international payments are too expensive, too slow, and built against the people who need them most. We set out to change that.
- 2021
2021 · elsa.care goes live
Launch of the elsa.care app — our first consumer product, built to send remittances at a fair cost and in minutes instead of days.
- 2023
2023 · Borderless is born
We turned the rails behind elsa.care into Borderless — a B2B cross-border payments API that any fintech, marketplace or payments company can plug into. Same mission, broader reach.
- 2026
2026 · Elsa Group & UrbanPay launch
Elsa Group is created as the parent company bringing together all our solutions — Borderless and UrbanPay. In parallel, we launch UrbanPay as a joint venture with UrbanPath Group: the payments OS for real-estate operators, live across 19 European markets from day one.
Backed by the people building the future of money
Our work has been recognised and supported by leaders in payments and blockchain infrastructure — from the Stellar Development Foundation to Circle, the issuer of USDC and EURC.
Stellar — the blockchain protocol powering global payments and stablecoin settlement.
Circle — the issuer of USDC and EURC, powering compliant stablecoin settlement worldwide.
A community of operators, fintech founders and institutional partners who believe payments should be borderless.
Where we are today
Two production-grade products, customers across Europe and Latin America, a regulated infrastructure stack, and a team that has spent the last six years shipping payments software at every layer — from on-chain settlement to real-estate operations.
Want to work with us?
Whether you're a fintech looking to plug Borderless into your stack, a real-estate operator scaling with UrbanPay, or an investor who wants to learn more — we'd love to talk.
Get in touch →