Woman in a rust sweater sitting against a dark green SUV in an alpine wildflower meadow
Kosovo · Albania · North Macedonia

Money, rebuiltfor Southeastern Europe.

Car finance, credit, cards and transfers. One platform. Built here. Live in three countries. More coming.

GMV
EUR 100M
Users
100K+
People in our markets
5.8M
GMV and users: group, cumulative to 30 June 2026. Population: latest national censuses of Kosovo, Albania and North Macedonia.

One group.
Many brands.

We are building the financial platform this region never had. Finance a car in a day. Get credit in a minute. Pay with a card anywhere. Send money home in seconds. All on one core we built ourselves, so new products ship in weeks and new countries in months.

Group headquarters · Prishtina
Virtus Group

One centre runs the core for every brand: capital, credit models, technology, risk and compliance. Local teams run the markets. The platform runs the group.

Customer checking his phone on a city street
Kosovo

Virtus Lending

Cars, equipment and credit. Decided in a minute.

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Two people leaning on a leased off-road vehicle on a mountain road
Albania

Virtus Lending

Drive it now. Pay as you go.

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Paying by card at a café counter
Kosovo

Swinto

Your card, your account, your transfers home. One app.

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Woman walking through an old town street
North Macedonia

One Leasing

Vehicles and equipment for people who build things.

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Southeastern Europe

Next market

Same core, new country. Expanding fast.

Partner with us

Two homes, one account.

A third of this region lives abroad. Swinto puts both ends on one platform: tap a card in Zurich, land it in Prishtina in seconds.

Built different.

01

One core runs everything. Credit, cards, payments, every country.

02

Machine learning decides. Under a minute, around the clock.

03

Our own stack. No vendors between us and our customers.

04

Audited, licensed, bank-funded. Boring where it should be.

Partners and auditors
Cards  Visa principal member Funding  BKT · Banka Ekonomike · BPB · Income Auditor  [AUDITOR]

Investor relations

Reports and announcements

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Talk to us.

Holding company
Virtus Invesco Partners LLC
Ukshin Hoti Street 10000 Prishtina, Kosovo