Our contacts
- 9 Rue du Laboratoire, 1911 Luxembourg
- +352 203 01332
- info@everestcard.com
Our mission
Our mission is to support SMEs and startups with the necessary financial tools to grow their businesses. We want to enable founders and business owners to focus on their products and clients, and let us take care of the rest.
Our vision
Our vision is to be there right from the start long before traditional banking offers are available to entrepreneurs. As companies grow, and just like the sherpas on Mount everest, we want to help our members to the top.
We want to create a community benefiting from advanced financial technology services and from a full range of unique community deals specifically designed for them.
Our story
Founded in 2015, our company SnapSwap International S.A. holds an Electronic Money License in Luxembourg that is passported to all EU member states. SnapSwap is fully licensed and regulated by the financial regulator in Luxembourg (CSSF). SnapSwap holds a Principal Mastercard Membership which allows the issuing of credit and debit cards and processing the transactions. SnapSwap is a member of the ABBL, the Luxembourg Bankers’ Association, the oldest and largest professional association in the financial sector and is SEPA homologated.
The everest project was started by SnapSwap’s CEO, Denis Kiselev. An entrepreneur himself, he is all too well aware of the difficulties entrepreneurs encounter when setting up their companies, opening accounts or getting business cards. everest is an innovative response to that need backed up by Mastercard, a titan of the credit card market.
Founded in 2015, our company SnapSwap International S.A. holds an Electronic Money License in Luxembourg that is passported to all EU member states. SnapSwap is fully licensed and regulated by the financial regulator in Luxembourg (CSSF). SnapSwap holds a Principal Mastercard Membership which allows the issuing of credit and debit cards and processing the transactions. SnapSwap is a member of the ABBL, the Luxembourg Bankers’ Association, the oldest and largest professional association in the financial sector and is SEPA homologated.
The Everest project was started by SnapSwap’s CEO, Denis Kiselev. An entrepreneur himself, he is all too well aware of the difficulties entrepreneurs encounter when setting up their companies, opening accounts or getting business cards. Everest is an innovative response to that need backed up by Mastercard, a titan of the credit card market.
Our Management Team
Karin Schintgen
Member of the Board
Before joining Snapswap’s board, Karin Schintgen ran as the CEO of the House of Start-Ups in Luxembourg, an incubator campus connecting people, ideas, and technology in different fields. Prior to this, Karin, a trained lawyer, was also the founder and CEO of the incubator Lux Future Lab, which gives her extensive experience in the Fintech ecosystem in Luxembourg. During her career, Karin also held different C-Level positions at Citibank New York, Kredietbank, BGL BNP Paribas and RTL Group.
Thomas Heldner
Member of the Board
Thomas Heldner, CEO of Wallee Group AG, is a highly accomplished executive with a wealth of experience in the financial services industry. Thomas has a proven track record of success in sales and marketing and is exceptionally skilled in international market development. Thomas served as CPO at Worldline Global for 10 years before joining Wallee group. As a multilingual leader, Thomas has a deep understanding of the nuances of different cultures and can easily navigate complex business environments. Thomas has a unique combination of strategic thinking, organizational management, and change management expertise, which he uses to drive growth and innovation within the Wallee group.
Sonja Hilkhuijsen
Member of the Board
Before joining SnapSwap’s board, Sonja Hilkhuijsen built a career of more than 20 years in governance, compliance, and strategic leadership across international banks and investment managers. An INSEAD-certified director, she is the Founder and CEO of Linkvalue, providing independent directorship and strategic board advisory, and also serves as Venture Leader and investor. Sonja holds board mandates in regulated Luxembourg entities as well as with international boards. She is recognised for her focus on digital business transformation, future-ready operating models, and aligning regulation, strategy, and sustainability with broader societal goals to strengthen financial systems and create long-term value.
Bénédicte Keith
CEO
Bénédicte Keith is a senior finance executive with over 20 years of experience in banking, fintech, and digital payments. She has held leadership roles at institutions where she led finance and operations. As CEO of SnapSwap, she focuses on driving strategic growth while ensuring strong regulatory compliance across Europe. Bénédicte has joined SnapSwap as CEO as of June 2025.
Olivier Picavet
Deputy CEO
Olivier is a FinTech enthusiast, promoter of dynamic business relationships, helping in the development of Snapswap for more than 7 years. Graduate of the University in Economics, Management and Finance, Olivier Picavet was also chairman of the main business association leading over 60 people. Olivier Picavet joined SnapSwap in 2017. Olivier became responsible for the business development and achieved outstanding results for the digital onboarding product. He’s now also taking care of Everest and handles the partnerships of the company. Olivier became Deputy CEO in 2019.
Oskars Tretjuks
Chief Compliance Officer
After having completed his Master of Laws degree at Turība Business School, Oskar started his career as a lawyer in financial services. Then, he served as head of legal compliance in several financial services and is currently working as a Chief Compliance officer and legal counsellor at SnapSwap.
