In an increasingly interconnected global economy, the ability to move, manage, and settle money efficiently across borders is no longer a luxury — it is a fundamental requirement for business survival.

Mr. Michael Law, CEO of RC365 Holding plc

At the forefront of this financial evolution is RC365 Holding plc (LSE: RCGH), a leading United Kingdom-based payment solutions and financial technology group. RC365 is the holding company of Regal Crown Technology Limited (RCTECH), a fintech solutions provider founded in Hong Kong in 2013, and the parent of  RCPAY Limited, its customer-facing operating brand. While Regal Crown Technology and RCPAY Limited form the foundational pillars of the group, it is RC365 that stands as the primary developer of a secure, efficient, and scalable financial technology infrastructure designed for individuals, SMEs, merchants, and multinational corporations.

Under the strategic leadership of CEO Mr. Michael Law, RC365 has evolved from a standalone payment gateway provider into an integrated financial infrastructure platform. With over a decade of experience in providing online and offline payment gateway solutions and IT support across the Asia Pacific region and beyond, Mr. Law has steered the company through the rapid technological shifts accelerated by the global pandemic.

“Most merchants today operate locally while thinking globally, so we are on a mission to innovate and create customer-centric solutions that position RC365 not just as a service provider, but as a strategic partner in the digital economy,”
– Mr. Michael Law, CEO of RC365 Holding plc

Despite significant advancements in financial technology, merchants continue to grapple with substantial challenges that impede operational efficiency and growth. The global payments industry, though vast, remains highly fragmented, often forcing merchants to manage multiple, disconnected systems for payment processing, account management, card issuance, and cross-border settlements.
This fragmentation — compounded by rising operating costs, cross-border friction, and heightening security and compliance risks — creates an urgent need for a unified ecosystem. Recognizing the critical limitations of these disconnected services, RC365 developed a transformative solution: RC3.0 

Mr. Law highlights that the ability to move and settle funds globally has evolved from a luxury into a prerequisite for business survival. RC3.0 addresses this shift by transforming financial administration from a cost center into a strategic competitive advantage.
As an upgraded fintech infrastructure platform, RC3.0 redefines operational management by unifying account services, card issuance, and payment settlement into a single, cohesive framework.

Screenshot 2026-07-30 at 11.32.18 AM
Screenshot 2026-07-30 at 11.32.40 AM
Screenshot 2026-07-30 at 11.32.09 AM
Screenshot 2026-07-30 at 11.32.13 AM

By replacing fragmented services with a seamless ‘closed-loop’ environment, this centralized architecture has become the preferred choice for merchants and institutional clients worldwide. Key components of the RC3.0 ecosystem include:

Component

Functionality

Banking Virtual Account (BVA) SaaS

Enables dedicated sub-ledger allocation and automated reconciliation. Provides multi-currency virtual accounts for collecting, holding, converting, and settling funds across borders, giving merchants a single hub to manage global money flows with enhanced fund segmentation and operational control.

Asset Link Credit Card and Card Management SaaS

Features a credit card linked directly to the customer’s account, enabling everyday spending, flexible credit, and real-time visibility over transactions. The underlying Card Management solution supports structured card lifecycle administration, including configurable spending parameters and asset-linked credit allocation mechanisms, thereby strengthening treasury governance.

Merchant Owned Ecosystem POS (MOE-POS)

A merchant-owned point-of-sale solution designed for accepting payments in-store and on the go. It captures customer relationships and feeds sales directly back into the merchant’s own ecosystem, ensuring that data and revenue streams remain centralized.

RC3.0 Merchant Acquiring and Settlement Services

Facilitates efficient transaction processing and settlement, reducing the friction typically associated with multi-party payment chains.

Cross-Border Transaction Routing

Multi-currency routing capabilities support international merchant expansion, providing enhanced operational control and reducing the complexities of global trade.

The strategic value of RC3.0 extends far beyond its individual features as the ecosystem addresses the core challenges faced by modern merchants through several distinct advantages that include:

The RC3.0 Advantage

Benefit to Merchants

Integrated Efficiency

By consolidating multiple financial functions into a single interconnected platform, RC3.0 drastically reduces system fragmentation. This integration simplifies reconciliation, minimizes administrative overhead, and provides merchants with real-time transaction visibility. The result is a streamlined operation that allows businesses to focus on growth rather than managing disparate financial tools.

Scalable SaaS Architecture

Built on a modular SaaS (Software as a Service) architecture, this design allows merchants to adopt services in a phased manner, scaling their financial infrastructure in tandem with business growth. Because the ecosystem maintains connectivity regardless of the modules deployed, businesses can expand capabilities with limited incremental infrastructure costs.

Enhanced Capital and Treasury Oversight

With integrated Card Management and BVA modules, RC3.0 empowers merchants with structured credit allocation and improved liquidity administration. Centralized reporting systems provide a comprehensive view of financial health, strengthening financial governance and enabling more effective capital deployment.

Uncompromising Security and Reliability

Backed by RC365’s robust IT support and security services, RC3.0 operates within an ISO 27001-aligned cybersecurity framework. This ensures that the entire ecosystem remains reliable, compliant, and protected against emerging threats, giving merchants the peace of mind required to operate in the digital age.

Future-Proofing with Wealth Management

RC365 is progressing the development of a Wealth Management SaaS platform. This initiative will provide portfolio monitoring and institutional reporting capabilities, bringing savings, investments, and wealth planning alongside everyday payment activity. This forward-looking approach ensures that RC3.0 will continue to evolve, offering even greater depth to its ecosystem.

Building the Future of Financial Technology

The development and deployment of RC3.0 are deeply rooted in the corporate vision established by RC365’s leadership. Mr. Law and the executive team are committed to building a capital-light, technology-driven fintech infrastructure platform positioned at the intersection of payments, financial administration, and digital services.
The Group’s strategic priorities reflect a profound understanding of where the digital economy is heading. RC365 aims to continuously expand its integrated SaaS ecosystem, enhancing cross-border interoperability to support global commerce seamlessly. By strengthening recurring revenue streams through subscription-based models, the company ensures long-term sustainability and disciplined innovation aligned with shareholder value creation.

As Mr. Michael Law has articulated, “The rapid adoption of technology necessitates solutions that cater to a globally-minded audience. The future of financial technology will not be defined by isolated applications, but by interoperability, modular scalability, and ecosystem depth. By embedding multiple financial functions within one unified architecture, RC365 is not just responding to the current needs of the market. It is actively shaping the future of financial technology.”

RC365 aims to position itself as a forward-looking infrastructure partner in the evolving global digital economy. Through RC3.0, the company is delivering on its promise to simplify how money moves across borders, empowering merchants with the tools they need to thrive in an increasingly complex financial landscape. For businesses seeking a secure, efficient, and scalable payment infrastructure, RC365 and its RC3.0 ecosystem represent the definitive choice for the future of commerce.

The Mediazone Group extends its sincerest congratulations to RC365 Holding plc for earning the prestigious Hong Kong’s Most Valuable Companies 2026 Award. This esteemed recognition is a powerful testament to their unwavering commitment to excellence, pioneering innovation, and profound dedication to both their clientele and the wider community within Hong Kong’s dynamic FinTech industry.
We celebrate their remarkable achievements and anticipate with great enthusiasm their continued growth, leadership, and invaluable contributions to the sector. For more information on RC365’s solutions, please visit their official website: https://www.rcpay365.com/