Top 50 Embedded Finance in Asia

Provides an end-to-end API-based embedded finance platform that enables financial service providers to offer contextualized credit solutions, including working capital loans and savings products, to underserved market segments. Utilizes data-driven underwriting and complies with RBI and SEBI regulations to ensure secure, transparent, and scalable financial services.

CrediLinq provides embedded finance solutions through its API stack, enabling businesses and banks to create tailored credit products for merchants and sellers. This technology addresses the financing gap for SMEs by facilitating seamless access to growth capital and flexible payment options, enhancing cash flow management.

Staq offers a Banking-as-a-Service platform that provides a suite of financial products, including payments, lending, and identity verification, enabling businesses to integrate and launch digital banking solutions efficiently. Their Embedded Finance Solutions allow companies to seamlessly incorporate financial services into their existing digital products, addressing the need for flexible and scalable financial infrastructure.

Finfra provides a suite of embedded lending solutions through seamless APIs, enabling non-financial platforms to offer invoice, payroll, and working capital financing directly within their applications. This integration allows businesses to enhance customer retention and increase purchasing power by facilitating flexible payment options for their users.

Neem is an embedded finance platform that provides digital businesses in Pakistan with Shariah-compliant earned wage access (EWA) solutions, enabling employees to access their earned wages without incurring debt. By integrating payment processing and lending services, Neem enhances financial accessibility for the salaried workforce, addressing the challenges of cash flow management and financial stability.

Niro provides an embedded lending platform that utilizes APIs and SDKs to integrate customizable credit products into consumer applications within two weeks. This technology enables platforms to offer personalized, competitive financial services, enhancing user engagement and generating revenue through seamless credit distribution.

Wio Bank provides a digital financial platform that integrates banking services for personal and business use, utilizing Banking as a Service and embedded finance technologies. This platform simplifies financial management and enables businesses to offer customized banking products, addressing the complexity and fragmentation of traditional banking systems.

Kanmon provides a platform that enables professional services and industry-specific software to offer embedded lending products, including term loans and invoice financing, directly to their business customers. This integration allows businesses to access funding between $10,000 and $250,000 without leaving their existing platforms, while Kanmon manages all regulatory compliance and credit risk.

Kredmint offers a digital platform for supply chain financing, providing tailored financial products such as invoice discounting and vendor financing to enhance cash flow for small and medium-sized businesses. By integrating embedded finance solutions, Kredmint addresses the challenges of delayed payments and cash flow constraints, enabling businesses to optimize their inventory turnover and payment cycles.

Digiasia Bios offers an embeddable fintech-as-a-service platform that provides a range of financial solutions, including B2B and B2C payments, remittances, and lending, through a suite of APIs. This enables enterprises to integrate essential financial services into their applications, enhancing transaction efficiency and customer experience while ensuring regulatory compliance.

CredibleX provides embedded working capital financing solutions for SMEs through a fully digital platform that streamlines loan applications and disburses funds quickly. By integrating versatile financing options such as Receivable and Payable Financing, the platform addresses the working capital challenges faced by SMEs, enhancing their operational efficiency and financial stability.

Solid Financial Technologies, Inc. provides a platform that enables banks and companies to offer embedded banking, payments, and card products with built-in compliance and security features. By streamlining the onboarding and monitoring processes for FinTech partnerships, Solid addresses the challenges of regulatory adherence and operational efficiency in the financial services sector.

PriyoShop is a B2B marketplace that connects micro-merchants directly to suppliers, utilizing a digital platform to streamline procurement and enhance supply chain efficiency. By offering embedded finance solutions, PriyoShop addresses the fragmented supply chain issue, enabling micro-merchants to access better pricing and financial transparency while boosting their sales potential.

Abhi provides an API‑driven Earned Wage Access platform that lets employees in emerging markets withdraw a portion of accrued salary instantly to bank accounts or digital wallets. The same suite offers payroll financing for employers and revolving credit plus invoice‑factoring for SMBs, all integrated via a mobile app and embedded‑finance SDKs for payroll, ERP and POS systems. Real‑time settlement, automated KYC/AML and multi‑country compliance ensure secure, on‑demand liquidity for workers and predictable cash flow for businesses.

CROWDO is a digital financial solutions platform utilizing Neobank technology to provide SMEs in emerging markets with streamlined business accounts and embedded B2B finance options. The platform enhances access to financing and digitalizes supply chain processes, enabling SMEs to operate efficiently without the burden of traditional banking fees.

Union Credit operates an embedded lending marketplace that allows consumers to access loans with a single click, eliminating the need for traditional loan applications. This platform connects credit unions and trusted lenders directly to borrowers, providing a streamlined borrowing experience and increasing loan accessibility for credit-worthy individuals.

Poshn is a digital agri-trading network that connects buyers and sellers of agricultural commodities, facilitating online transactions and demand aggregation for MSMEs in the food sector. The platform addresses challenges such as unserved credit needs and fragmented supply chains by providing embedded finance solutions and access to vendor networks for logistics and warehousing.

Agrizy provides a digital agri-processing platform that connects agribusinesses with a curated network of suppliers, ensuring consistent quality and optimal pricing through real-time tracking and logistics management. The platform also offers embedded financial solutions to facilitate timely payments and support the operational efficiency of agri-processing units across India.

Caddy Finance utilizes a dual pool system to aggregate yields from real-world assets, such as solar plants and tokenized real estate, while providing embedded hedging strategies to protect against market downturns. This approach addresses the need for stable income generation and risk management in the volatile decentralized finance landscape.

BharatX provides a white-labeled embedded consumer credit solution that allows apps and websites to offer flexible payment options, such as "Pay in 3" or "Pay in X" installments, through easy integration with Shopify plugins and APIs. By assuming full credit risk and enabling instant approvals with minimal user input, BharatX enhances customer retention and boosts sales for over 550 consumer brands.

Brick provides a financial data API that enables developers to integrate payment systems and financial services directly into their applications. This technology facilitates efficient money movement and enhances operational capabilities for businesses in Southeast Asia, addressing the need for streamlined financial transactions and data management.

UBX is a financial technology company providing an Open Finance platform that connects individuals, businesses, and institutions to a wide network of financial services and embedded solutions. This platform enhances access to financial resources and streamlines digital transformation for users in the Philippines.

Ayekart Fintech provides a digital marketplace that connects food processors, traders, and distributors with farmers' producer organizations (FPOs) to streamline the supply chain in the agriculture sector. The platform enhances market access for MSMEs and local manufacturers while offering embedded financial services to address the credit gap in the agricultural ecosystem.

Trukkr is a digital logistics platform that connects shippers with transporters through a secure interface, providing real-time visibility and cost transparency in the booking process. By offering embedded financial services and operational efficiency tools, Trukkr enhances the logistics experience for both shippers and carriers in Pakistan's trucking industry.

Netbank offers a BSP‑licensed Banking‑as‑a‑Service platform that delivers core banking functions—account provisioning, payments, card issuance, and loan origination—through RESTful APIs and white‑label UI components. The solution lets Philippine fintechs, e‑commerce marketplaces, BNPL providers, and corporate treasury teams embed regulated banking services with built‑in AML/KYC, real‑time settlement to domestic rails, and scalable cloud infrastructure.

The startup offers a mobile‑first platform that connects smallholder farmers with certified inputs, lab‑grade soil testing, and AI‑driven yield forecasts. It provides real‑time agronomic recommendations, a marketplace for selling harvests, and embedded credit and insurance products, all synchronized to farm dashboards.

Envisso provides automated merchant risk assessments and embedded credit insurance to payment companies, enabling them to onboard higher-risk merchants without requiring collateral. This approach eliminates manual assessments and protects working capital, allowing merchants to retain funds while ensuring compliance and reducing fraud exposure.

Bimaplan provides an embedded insurance platform that allows partners to offer customized life and health insurance policies through a single API integration, streamlining the customer lifecycle from policy issuance to claims management. The platform addresses the gap in insurance accessibility for underserved populations by enabling instant digital payments and enhancing customer engagement.

Embifi is a B2B financial platform that provides a white-label solution for financing and lending in the electric vehicle sector, featuring plug-and-play APIs and a unified dashboard for real-time analytics. The platform enables businesses to efficiently manage credit products and streamline loan processing, addressing the need for accessible financing options in the growing EV market.

Jai Kisan operates a digital marketplace that connects smallholder farmers with processors, traders, and retailers, enabling them to post produce, receive real‑time price offers, and finalize contracts via a mobile/web app. The platform provides instant electronic payments, embedded credit scoring, and coordinated logistics and warehousing to streamline collection, storage, and transport. Integrated analytics deliver price trends and yield forecasts to help farmers manage risk and improve profitability.

The world's first multi-asset programmable bank that enables users to manage, customize, and automate financial transactions across multiple asset classes through a secure, regulated platform. It addresses the limitations of traditional banking by offering programmable financial tools that enhance flexibility, efficiency, and control for individuals and businesses.

Provides a banking-as-a-service platform with plug-and-play APIs for payment processing, KYC onboarding, and financial transactions. Enables businesses to integrate banking features like UPI gateways, bulk payouts, and escrow accounts, reducing time-to-market for fintech products by up to 90%. Processes over $5 billion annually, supporting 200 million+ API transactions for 1,000+ global businesses.

The startup provides a financial innovation platform that offers a secure API infrastructure for financial services, enabling seamless integration between financial institutions and fintech companies. This platform enhances control over financial data and payment processes, facilitating collaboration and improving operational efficiency for businesses.

Spherex Technologies provides an embedded security solution that reverts malicious transactions and unexpected manipulations in real-time during smart contract execution, ensuring business continuity and compliance with regulatory standards. By implementing pre-set rules and policies, Spherex enables protocol owners to maintain operational integrity and prevent the finalization of harmful activities without interrupting their services.

FINETIKS offers a financial management app that consolidates various financial accounts and e-wallets, enabling users to track and manage their finances in one place. The app utilizes voice command and artificial intelligence to provide personalized insights, helping users identify spending habits and achieve their financial goals.

The startup operates a money management platform that integrates digital bank accounts and co-branded debit cards into a single mobile banking interface, allowing users to manage multiple financial services seamlessly. By automatically allocating funds for savings, the platform helps users enhance their financial decision-making and optimize their savings strategies.

This startup offers a banking infrastructure platform that integrates traditional banking systems with blockchain technology, enabling seamless management of both crypto and fiat transactions. It provides Banking-as-a-Service solutions, including whitelabel options and payment processing, to enhance security and accessibility for Web2 enterprises and Web3 innovators.

The startup offers an AI-driven personal finance platform that automates financial tasks such as bill payment, budgeting, and investment management. By providing tailored financial advice and actionable insights, the platform helps users effectively manage their finances and achieve their savings goals.

This startup offers a digital financial operating system that simplifies backend financial operations for businesses through tools like an expense management dashboard and a prepaid VISA card. By streamlining financial processes, it enables business owners to save time and reduce operating costs, allowing them to focus on growth.

The startup operates a virtual banking platform that integrates banking, insurance, and investment services into a single digital interface. By providing 24/7 access to financial services such as loans and investments, it simplifies the management of personal finances for users seeking a streamlined solution.

Finku is a personal finance application that automatically tracks and categorizes transactions from multiple bank accounts and e-wallets, utilizing 256-AES encryption for data security. The platform helps users manage their budgets effectively and achieve financial goals, with over 600,000 users reporting improved financial awareness and time savings.

Mamo provides a financial operating system that integrates payment collection, corporate cards, and expense management into a single platform, enabling businesses in the MENA region to automate their financial operations. By eliminating foreign exchange fees and streamlining expense tracking, Mamo helps over 1,000 companies enhance cash flow and reduce operational costs.

This startup operates a customized financial marketplace that integrates with banks, credit reference agencies, and insurance companies to provide users with instant access to loan, investment, credit report, and insurance information. By offering tailored financial products such as loans, deposits, credit cards, and insurance, the platform addresses the challenge of navigating complex financial options for consumers.

Knight Fintech offers a cloud‑native platform that automates the end‑to‑end loan lifecycle—digital onboarding, AI‑driven underwriting, servicing, collections, and portfolio monitoring—for banks, NBFCs and fintechs. The solution also includes a co‑lending marketplace, treasury and asset‑liability management tools, and plug‑and‑play APIs for embedding compliant credit products into third‑party applications, all secured with bank‑grade encryption and audit controls.

Cashflo offers an embedded finance platform that integrates with ERP and accounting systems to automate credit underwriting and provide instant, white‑label working‑capital financing to suppliers and customers. The solution uses real‑time transactional data and machine‑learning models to assign dynamic limits, disburse funds via ACH/RTP, and deliver analytics on DSO, utilization and repayment performance. It is targeted at manufacturers, distributors and marketplaces seeking to streamline cash‑flow management across their supply chains.

PayKey provides a platform that enables banks to integrate financial services, such as peer-to-peer payments and earned wage access, directly within any mobile application. This solution addresses the need for instant access to funds, allowing customers to manage their finances seamlessly in real-time.

The startup offers a crypto trading platform that integrates centralized finance (CeFi) and decentralized finance (DeFi) for unified execution. Its tools provide algorithmic trading, pre-trade and post-trade analysis, and multi-leg trade capabilities, enabling traders to manage and execute transactions efficiently within a single application.

Provides an AI-driven accounting and finance platform that automates bookkeeping, bank reconciliations, and multi-currency transactions, reducing manual effort and errors. Enables businesses and finance teams to generate real-time reports, manage cash flows, and streamline monthly closings with features like automated invoice processing, multi-line shortcuts, and secure API integrations.

Finverv provides a platform that enables companies to embed credit solutions through configurable APIs and user journeys, facilitating seamless integration with a diverse network of lenders. This approach addresses the gap in credit access by streamlining the lending process for businesses and enhancing the credit portfolios of financial institutions.

Ektar provides a modular SaaS suite for banks that includes ekShield, a device‑bound SDK delivering cryptographic token authentication and adaptive risk‑based MFA, ekBank, a cloud‑native micro‑services platform for launching white‑label mobile and internet banking experiences, and ekSell, a B2B2C marketplace engine that embeds credit, loan and insurance products into partner ecosystems. The API‑first solutions enable rapid digital transformation, improve security compliance, and lower customer‑acquisition costs without requiring banks to build infrastructure from scratch.