Founded in 1991, Krajowa Izba Rozliczeniowa S.A. (KIR) is a pivotal institution in Poland's financial sector, established by the National Bank of Poland, the Polish Bank Association, and 16 commercial banks. Its core mission is to ensure the security, reliability, and efficiency of the interbank settlement system. KIR operates the Elixir system for transfers in Polish zloty, the Euro Elixir system for euro payments, and the Express Elixir system for instant payments. Beyond clearing services, KIR is a leader in digital transformation, offering solutions like the Szafir qualified electronic signature, the mojeID secure digital identity confirmation service, and various other technological services for banks, businesses, and public administration.

Founded in

Poland