Interview: Unlimit’s Yulia Shevchenko on the regulatory reality behind global fintech expansion

With 11 years astatine planetary fintech Unlimit, Yulia Shevchenko has helped pb licensing and regulatory authorisations crossed Europe, the UK, the US, Asia and Africa. It has fixed her a front-line presumption into however payments products indispensable beryllium rebuilt market-by-market - from banking rails and section partnerships to user behaviour and compliance expectations.

She explains to RBI wherefore being licensed successful 1 jurisdiction doesn’t automatically mean you tin run successful another. In addition, Shevchenko explains wherefore localisation and discusses

what’s adjacent arsenic regulators accelerate scrutiny of integer assets and crypto infrastructure.

RBI: Unlimit operates successful a crowded and competitory market. How would you summarise Unlimit’s worth proposition, and what astir intelligibly differentiates it from different payments providers?

Yulia Shevchenko:

The cardinal differentiator is that Unlimit acts arsenic a superior architect, not a middleman. While astir providers trust connected third-party licenses, we person built a proprietary planetary web of section nonstop acquiring licenses crossed the world’s astir analyzable markets - from LATAM to APAC and EMEA.

Unlimit provides merchants with the blase interface of a planetary fintech powerhouse, but with the earthy show and cost-efficiency of a section home provider. By owning the afloat outgo stack and the regulatory licenses down it, we trim the costs and method latency. Unlimit is not conscionable a gateway; it is simply a unified fiscal interface that allows a concern to dainty a lawsuit successful Mexico City oregon São Paulo with the aforesaid operational easiness arsenic a lawsuit successful their location city.

What person been the cardinal regulatory oregon enlargement milestones for Unlimit implicit the past 12 months, and what are the main priorities looking up to 2026?

From a regulatory enlargement perspective, 1 of the large successes of 2025 was becoming an authorised outgo instauration successful Brazil, which allowed america to proceed processing our outgo infrastructure arsenic a nonstop subordinate of the Brazilian Payment System. This enables america to present much broad fiscal solutions to our clients, including accounts and paper issuance and grow our portfolio of outgo methods disposable to merchants.

We besides expanded the scope of our licence successful India, obtaining an authorisation to run arsenic a cross-border outgo aggregator, having been licensed arsenic a home outgo aggregator successful 2024. The extended scope of our licence includes some import and export capabilities. It enables Indian merchants to entree our planetary outgo infrastructure and seamless cross-border settlements crossed the world. At the aforesaid time, Unlimit tin facilitate marketplace introduction for planetary clients by removing hurdles for accepting payments from Indian payers.