Licensed & regulated by the National Bank of Belgium

Happ operates as a white-label service powered by Belmoney S.A., a fully licensed payment institution authorized under PSD2 (Directive EU 2015/2366). Every transfer carries the weight of one of Europe's most rigorous regulatory frameworks — not just a promise.

Authorized across all 30 EEA member states

Under EEA passporting rules, Belmoney is authorized to operate across all 30 EEA member states. Happ is fully compliant wherever you are in Europe — no grey areas, no exceptions.

Bank-level security on every transaction

Your money and personal data are protected by bank-level security and encryption. The compliance framework covers KYC, AML, and real-time transaction monitoring — every transaction is screened, tracked, and fully transparent.

AMLD, CTF & GDPR compliant

Belmoney is subject to EU Anti-Money Laundering and Counter Terrorist Financing legislation (AMLD), and the General Data Protection Regulation (GDPR) — ensuring your personal data is handled with the same care as your funds.