Following the integration of Mangopay into Caption’s payment infrastructure, the investment platform and Caption Services now benefit from a wallet-first payment system that includes pay-ins, instant payouts, and KYC services.
This partnership will enable complex, multi-party investment flows to be managed more effectively. As part of its growth strategy and diversification efforts, Caption recognized the need for flexible payment infrastructure to accommodate evolving product structures while maintaining compliance with its ISP status.
Flexible Payment Infrastructure
Mangopay’s decoupled pay-in and payout architecture was a major factor in Caption’s decision. This design allows Caption to control fund movements, ensuring that the platform can be tailored to meet specific operational needs without compromising on regulatory requirements.
Evaluation of New Investment Structures
The partnership allowed Caption to test new investment structures under real market conditions before making a long-term commitment. The validation process proved commercially viable, providing the confidence needed for Caption to proceed with its broader rollout plans.
Caption operates as both a direct investment marketplace and a regulated infrastructure provider for third parties through Caption Services. This service caters to asset managers, wealth advisers, professional distributors, and enables companies to raise capital via equity and bond instruments focused on profitable SMEs, growing franchises, and collectible assets.
Mangopay’s infrastructure is intended to support all participants within Caption’s ecosystem, ensuring speed and compliance in the private markets. A Caption official noted that Mangopay significantly reduced investor onboarding times and transaction settlement periods while managing multi-party flows without sacrificing regulatory standards required for its ISP license.
Regulatory and Market Context
The partnership with Mangopay reflects broader industry trends where platforms must adapt to support diverse distribution models, a wider range of participants, and ongoing product development within stringent regulatory environments. Payment infrastructure must be capable of handling complex fund movements and evolving compliance requirements simultaneously.
Mangopay’s specialization in multi-party payment solutions makes it well-suited for platforms navigating the intersection of financial regulation and operational complexity. For Caption, this arrangement supports both its current marketplace operations and its expanding B2B arm as demand for access to private market products among professional distributors grows across the EU.
