A Better Way Than Banking™

 Instant Claims + On Demand Insurance Solutions

Oula.la Pay4™ Buy Now Pay Later

Oula.la Paye™ Paid As You Earn™

Perfect for Gig, Sharing, Rent, Student, On Demand Economies

We Bring Payments To Life™


























Everyone Benefits

Oula.la is about everyday payment and insurances solutions, especially for the Gig, Sharing, Rent, Student and On Demand Economies with innovations such as Oula.la Instant Claims, on demand insurance, Pay4™ instalment payments and Paye™ (Paid-As-You-Earn)

Access almost any service through sharing economy platforms and skilled people through gig platforms

Gig, Sharing , Rental, Student and On Demand Economies

Gigs are the new work. Sharing is already a big part of where we stay when we travel. When we’re at home ride sharing is often how we get around town and even around and between countries. Relationships with gig, sharing, rent, student and on demand platforms enable us to provide simple access to great payments innovations and insurance solutions, integrated within the Oula.la payments app.

Insurance Customers Benefit > Their Insurers Do Too

Oula.la aims to help everyone with Oula.la Instant Claims and easy access to partner insurer insurance solutions. Insurance payments can be synchronized with related payments (e.g. rent with renter’s insurance; home stay income with commercial insurance) all within your Oula.la mobile app

How it works – Jessica’s Story


Jessica gets a gig in Paris

Jessica is paid to her Oula.la account as she earns (Paye™). She has had opted-in to GigCover, so she is covered with relevant insurances as she works. Premiums are deducted automatically from her card account.

Jessica’s client has accepted Jessica’s quote, there is a pre-authorisation to the client’s payment account. Jessica simply uploads a selfie video via Oula.la VideoPay™ along with her timesheet or invoice and the payment is made without delay to Jessica’s Oula.la’s account

Jessica flies from US to Paris

Jessica opts-in for important insurances and is protected by TravelCover™ and GigCover™. Importantly TravelCover™ provides her with long stay traveler health insurance. GigCover™ provides, public liability, professional indemnity, cyber and data

Jessica knows that she can access Oula.la’s Instant Claims™ with VideoPay™ could allow her to access up to EUR 1000 instantly to her Oula.la account in the event of a TravelCover™ claim.

Jessica finds a place

Jessica stays in a beautiful apartment in Paris. Her host is an Oula.la customer too. The host is paid by the home stay platform without delay and has opted into commercial level StaysCover™ insurance protects the host’s property and Jessica  during Jessica’s stay.

Oula.la Instant Claim™ can be available for StaysCover™ with VideoPay™ for claims up to EUR 1000. The host makes the video claim. This can include a selfie video from Jessica and a work estimate for  a property claim or a medical claim estimate.

Jessica rents a car

Jessica picks up a peer rental car in Paris for her trip to Bordeaux. The car owner is paid to their Oula.la card by the peer rental car platform. This provides the car owner with insurance which switches to commercial level when the car is rented. The timing of the switch is synchronized with the car rental platform.

RidesCover™ can also enable Instant Claims™, via VideoPay™, with instant claims approval and payments up to EUR 1000.

The Team

Suresh brings a wealth of knowledge in global payments. Suresh recently topped the Payments Power 10, a top ten list of key influencers globally in the payments industry. He is also an elected advisory member of the emerging payments association which brings together companies across the emerging payments spectrum to help shape the future of the payments industry landscape.

His positive impact is unequivocally demonstrated though his leadership roles, including as President of Global Processing Services (GPS) UK’s award winning issuer side processor for debit, credit and any sort of stored value, providing services to some of the largest card programs globally as well as providing services to challenger banks and fintechs. Prior to GPS Suresh was Head of Issuing at Paysafe Group, successfully establishing the Issuing and newly formed Card Services division. In his role as Head of Kalixa Pay, Suresh worked with Transport for London to pilot some of the first contactless wearables to use on the London transport network. In 2011, Suresh launched the first ever contactless wristwatch in the UK. This is in addition to being responsible for launching the first App controlled NFC solution for iphone in Europe.

A solution driven innovator, with a track record of developing products and services that meet the customers’ current and future needs, Suresh is passionate about innovation and bringing the prepaid sector to the main stream. He has a substantial understanding of electronic money, throughout its complete value chain from Issuing to Acquiring, with strategic knowledge on what works and does not work in various international markets.

Suresh Vaghjiani

Chairman, Oula.la

John Sullivan is Oula.la’s founder, globally responsible for partnerships and chief of strategy. John holds an honours degree in engineering and an MBA, majoring in innovation and entrepreneurship. John has been active in internet ventures since the mid-90s including a listed global accountancy B2B network. John is a globally acknowledged pioneer and thought leader in the sharing and on demand economy and in the applications of blockchain / distributed ledger technology in the insurance, payments, sharing economy and gig economy spaces.

John Sullivan

Founder, Oula.la

Aaron is an international payments leader, with major experience with fintech disruptors in payment in London.                                  Aaron’s expertise emcompasses:

  • Design and management of BIN sponsorship program implementations with both VISA and MasterCard
  • Compliance with payment sector rules and regulations, software requirements, end to end transaction cycle, risk, PCI requirements, risk and fraud
  • Education in full issuing life cycle, software constraints, processing, settlement and funding
  • Specification, design and management of connection projects for both VISA and MasterCard for Issuing and Acquiring processor systems
  • Management of Princial Membership process with schemes
  • Responsible for operational design of BIN sponsorship business processes; sales, on boarding, implementation
Aaron Coomber

Chief Payments, Oula.la

Global customer advocacy thought leadership, encompassing community programs, enhancing and helping to build brand visibility. Most importantly igniting positive change for Oula.la’s customer community via
– Meet-ups: hosting meet-ups around the world
– Engaging users for storytelling sessions, connecting with other customers in the customer network and in-person connections
– Engaging with the media and speaking at conferences

Listening to people and helping to create a positive community of happy and satisfied customers

Bryony Cole

Customer Advocacy, Oula.la

Many years of insurance broking experience and substantial relationships and networks with European and global insurers, across a multitude of insurance classes. A broad understanding of risk assessment and insurance operations.

Enguerran Brembilla

Insurance, Oula.la

Experienced IT Director, Project Manager and Team Leader, Senior Software Engineer with a strong technical background especially in Java-related technologies (JavaEE multitier distributed and highly concurrent systems, cloud computing, mobile systems as well as systems integration). Entrepreneurial character, with a strong focus on the business aspects of leading projects as well as maintaining high quality delivery. Able to coordinate multiple complex IT projects with many stakeholders.

Experienced in payments processing, finance and banking, telco, mobile technology startups.

Fascinated with blockchain applications and virtual currencies. Experienced with Ethereum, Corda and Bitcoin.

Marcin Zduniak

Blockchain Architect, Oula.la

Key Advisors

Giovanni Santini is our Gibraltar based specialist payments and pre-paid cards adviser. Giovanni is very experienced with creation and implementation of pre-paid card schemes. Giovanni’s experience includes:

  • Initiation of new prepaid BIN (bank identification number) projects with major card schemes
  • Liaison point between the client, company, processors, card schemes, card personalisation bureau’s and other third parties.
  • Implementation of NFC (Near Field Communication), dual interface (contact and contactless) products and EMV (Europay, Mastercard, Visa) cards
  • Setup up of Head Office Collection Accounts (HOCA) and associated reconciliation systems.
Giovanni Santini


Ajay Yadav is a member of the 2017 Forbes 30 under 30, the Founder and CEO of Roomi, U.S. leading peer-to-peer marketplace helping people find shared housing and the right people to live with. An expert on the sharing economy and the millennial mindset, Ajay is a regular contributor and international speaker on fundraising, building valued networks and the expat entrepreneur experience.

Ajay Yadav

Founder and CEO, Roomi

Professor Michael Mainelli Michael Mainelli (Project adviser) is the co-founder of Z/Yen, the City of London’s leading commercial think-tank and venture firm. His career summary is a decade of technology research (aerospace, computer, seismology) followed by a decade in finance (Arthur Andersen, partner at BDO Binder Hamlyn and Director of Europe’s largest R&D organization (DERA)) then subsequently over 15 years of finance & technology in Z/Yen. Educated at Harvard, Trinity College Dublin and the London School of Economics he is also Professor Emeritus of Commerce and a Fellow at Gresham College, Visiting Professor at the London School of Economics Department of Management Information Systems & Innovation Group.

Professor Michael Mainelli

Co-Founder, Z/Yen

Kate Merrill, has outstanding experience as general and corporate counsel, including as Deputy General Counsel & Director M&A for Intel. Kate has extensive international experience across:
• strategic transactions – including mergers and acquisitions, divestitures, spin-offs, investments, partnerships and joint ventures;
• intellectual property – including inbound licenses, SaaS and other outbound licenses, code and software development, co-development and collaboration agreements, patent acquisitions and divestitures;
• commercial transactions – including financings, leases, confidentiality and escrow arrangements, sales and services agreements;
• compliance and ethics – including privacy, corporate governance, anti-corruption, trade, securities, information governance and records management

Kate Merrill

Guillaume Gardey, is Oula.la’s special advisor on big data. Guillaume holds a PhD in computer science with more than 6 years of hands-on experience with Hadoop & Big Data systems and 10 years of experience with distributed systems, databases and software engineering. Guillaume is comfortable stepping in at all levels of a Big Data platform, from planning, design, and architecture, prototyping, and applications development to clusters deployment and operational aspects in collaboration with data scientists, software engineers, devops, analysts, and business users.

Guillaume Gardey, PhD

Big Data Architect


Bringing together the latest cloud, video, AI, machine learning technologies to enhance customer experience



Advanced AI technology powers a chat based interface which streamlines customer interactions and eliminates the frustration of dealing with traditional insurance providers.


Oula.la aims to build trust in our community. Encouraging positive behaviours and identifying and flagging bad actors will be based on cutting edge machine learning algorithms built for precision in calculating risk. This allows Oulala to provide great guarantees and insurance solutions for low transaction fees.



Cloud and Video Technologies allow for:

  • streamlined payments
  • transparent and rapid claims handling for gigs in progress or completed or in progress and for smaller insurance claims

Oula.la will deliver her with leading edge services in both payments and insurances spaces.

Oula.la customers will benefit from Oula.la’s Pay4™ Buy Now Pay Later , which allows four equal instalment payments, 25% at time of purchase with the balance over the following 6 weeks. Approved merchants will access Oula.la for their approved customers via Oula.la’s merchant API.

Oula.la envisages global access to cloud based Oula.la Instant Claim™, where insurers can access Oula.la Instant Claim™ via API to provide their customers with access to Instant Claim™.

Oula.la envisages global delivery of integrated insurance solutions including TravelCover™, StaysCover™, RidesCover™ and GigCover™, via partnerships with insurers around the world.

Oula.la Paye™ (Paid-As-You-Earn) aims to power payments in the Gig Economy. Tens of millions of people are working in the gig economy in short term and long term gigs. These numbers are going to increase.

Oula.la’s VideoPay™ allows Jessica (and millions like her) to upload a quote (including a selfie Video) to her client. The client opts-in with a pre-authorisation of the amount quoted from the client’s payment account. All that Jessica has to do is to make an Instant Claim™ via Oula.la and the client payment is paid without delay to her account.

In these ways Oula.la aims to address BIG opportunities with the renting, sharing, on demand and gig economies where:

  • fast pre-authorised payments to gig workers and sharing economy providers
  • simple Instant Claim™ with VideoPay™ for those time and resource consuming insurance claims up to EUR 1000
  • protecting millions of people and billions in property engaged in the renting, sharing and gig economies, where there is presently massive under-insurance

Contact Us

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We are launching Oula.la Money Payments and Insurance innovations, including Paye™ (get paid as you earn) + Instant Claim™ > both with Oula.la VideoPay™+ On Demand Insurances + Pay4™ Buy Now Pay Later (pay in 4 instalments over 6 weeks)


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