Top 50 Embedded Finance in Europe

Weavr provides embedded financial solutions that integrate seamlessly into digital platforms, enabling businesses to manage employee benefits, expenses, and accounts payable without disrupting the user experience. By offering real-time data and built-in compliance, Weavr allows companies to streamline financial operations and enhance customer engagement while maintaining control over their brand's design.

Railsr provides a platform that integrates banking, digital wallets, and card services through a single API, enabling businesses to create customized embedded finance experiences. This approach eliminates the complexity of managing multiple integrations and regulatory requirements, allowing companies to focus on enhancing customer engagement and streamlining financial transactions.

Toqio is a fintech platform that enables companies to build and launch customized banking solutions through a low-code environment, allowing for rapid deployment in weeks. It addresses the challenge of limited access to tailored financial products by providing a marketplace of pre-built integrations and real-time data connectivity for enhanced operational efficiency.

Solarisbank is an embedded finance platform that provides Banking-as-a-Service through RESTful APIs, allowing companies to integrate digital banking, payment, and lending services directly into their products. By managing regulatory complexities and offering a full banking license, Solarisbank enables businesses to enhance customer loyalty and streamline financial service offerings without the need for extensive financial infrastructure.

Finmid provides embedded lending infrastructure that allows platforms to offer financing solutions to their entire customer base across multiple European markets through a single integration. The service utilizes platform-driven underwriting based on live performance data to maximize customer eligibility and offers various loan products like cash advances and term loans. By embedding financing, platforms can boost customer growth, increase order size, and improve retention rates.

SAPI provides an API-based embedded finance solution that enables payment companies to offer flexible credit products, such as merchant advances and instant payouts, to their business clients. This technology addresses the need for immediate access to funds and improved cash flow management for small and underserved businesses within the payment ecosystem.

Lemonero is an AI-driven fintech platform that provides revenue-based financing solutions to underfunded small and medium-sized enterprises (SMEs) through a white-label lending service integrated with payment service providers and eCommerce platforms. By utilizing advanced data analytics and machine learning for risk assessment, Lemonero enables merchants to access capital quickly, often within minutes, to support their growth and operational needs.

Colendi offers embedded fintech services that provide micro-credit and investment solutions through a payment platform utilizing 3,500 data points and machine learning algorithms for dynamic scoring. This technology enables consumers and businesses to access interest-free micro-credit and flexible payment options, addressing the lack of accessible banking services for underserved populations.

Beelife provides embedded finance solutions specifically designed for the travel and hospitality sector, enabling businesses to manage transactions, optimize cash flow, and access flexible financing options through a single integrated platform. This technology addresses the inefficiencies in financial operations faced by companies in this industry, facilitating streamlined payment processes and improved financial management.

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The startup offers an embedded credit platform that provides personal finance solutions tailored for workers with volatile incomes, charging a low weekly fee. This service enables users to manage their budgets effectively, ensuring financial wellness and stability for essential expenses.

The startup offers an embedded lending platform for European SMEs that utilizes alternative data for semantic credit scoring and hybrid liquidity sourcing. This approach enables businesses to access tailored financing solutions based on a more comprehensive assessment of creditworthiness, addressing the limitations of traditional credit evaluation methods.

Griffin provides a banking-as-a-service platform that enables companies to integrate financial services directly into their products through a simple API. This solution addresses the complexities of regulatory compliance and infrastructure management, allowing businesses to enhance customer engagement and streamline financial operations.

This startup offers a cloud-based core banking platform that provides embedded banking services through an API-driven architecture and a compliance framework supported by a European banking license. It enables financial institutions to transition from legacy systems to a fully cloud-operated environment, facilitating the launch of banking products like loans and deposits while ensuring regulatory compliance.

The startup develops a core banking platform that enables banks and financial institutions to integrate API-enabled services and automate workflows for financial product management. This technology provides a streamlined solution for building and launching financial products, enhancing customer engagement, and facilitating open banking capabilities.

The startup offers a financial orchestration platform that enables companies to integrate tailored financial services, such as banking and insurance, directly into their products through pre-built APIs. This platform enhances customer engagement and revenue by simplifying access to regulatory-compliant financial solutions.

The startup develops embedded payment modules that facilitate fiat-to-crypto conversion directly within websites and mobile applications, eliminating the need for external gateways. This technology enables businesses of all sizes to integrate cryptocurrency solutions, enhancing their competitive edge in the evolving digital economy.

Swan provides a Banking-as-a-Service platform that enables companies to integrate white-labeled banking features, such as accounts, cards, and payments, directly into their products through APIs. This approach eliminates the complexities of regulatory compliance and financial infrastructure, allowing businesses to enhance their customer experience and create new revenue streams without the burden of managing banking operations.

NoFrixion provides an Embedded Payments API that enables businesses to create and manage multiple bank accounts, automate reconciliation, and issue IBANs for customers with a single click. This solution streamlines payment and treasury management processes, reducing operational complexity and enhancing financial control for businesses.

The startup operates an insurance integration platform that provides tailored life, illness, and accident protection products for financial service companies, fintechs, and health services. By enabling these partners to offer insurance without setup or subscription fees, the platform creates additional revenue streams while enhancing their service offerings.

Eleos offers a fully digital platform for embedded life and income protection insurance, allowing customers to purchase policies online in minutes without the need for personal interaction. By providing essential financial security against income loss due to illness or injury, Eleos enables partners to earn revenue through commission while ensuring FCA compliance.

Fimple offers a cloud-native composable core banking platform that enables financial institutions to efficiently configure and launch diverse financial products, including loans and digital banking services. By providing essential financial functions as a service, Fimple addresses the challenges of regulatory compliance and lengthy product development cycles faced by traditional banks and fintechs.

Orbital is an enterprise payments platform that integrates traditional fiat payment systems with blockchain technology, enabling businesses to manage multi-currency transactions and accept cryptocurrencies through a single interface. This solution addresses the inefficiencies and high costs associated with outdated financial systems, allowing companies to streamline their payment operations and access global markets.

Qwist offers a modular Open Finance platform that combines PSD2‑compliant AIS and PSS APIs, consent management, and a compliance engine for upcoming PSD3, PSR and IPR regulations. The suite provides real‑time transaction data, risk scoring, identity and disposable‑income verification, instant account/portfolio switching, payment initiation, and an embedded digital lending solution for e‑commerce checkout. All services are delivered via standardized REST/JSON APIs with OAuth 2.0 security and integrated API lifecycle tools for banks, credit unions, fintechs and related merchants.

Companjon provides fully digital, transaction-triggered embedded insurance solutions for high-growth businesses, enabling seamless integration into existing platforms. Their automated claims processing and instant payouts address the need for flexible protection that enhances customer experience and drives revenue growth.

Gemba provides a white-label neobanking platform that enables businesses to create customized banking solutions with dedicated IBANs and integrated payment APIs. This technology facilitates fast account opening and efficient cross-border transactions, addressing the need for streamlined financial services without the overhead of traditional banking infrastructure.

The startup offers an open banking platform that enables secure access to financial data and payment initiation through a unified application programming interface (API) that connects to various banks' open APIs. This technology allows businesses to efficiently retrieve financial information, enhancing customer experiences in banking, lending, and money management.

Provides a white-label embedded payments platform tailored for vertical SaaS businesses, enabling them to integrate end-to-end payment processing, compliance, and risk management within 14 days using low-code components or APIs. This solution streamlines merchant onboarding, supports local payment methods, and offers real-time financial reporting, helping platforms reduce operational complexity while increasing revenue and customer engagement.

Cometh provides regulated DeFi infrastructure for businesses through a single API integration. This platform enables enterprises to access custody, staking, trading, and payments within decentralized finance while maintaining compliance. The technology stack features cross-chain abstraction and smart wallets to facilitate scalable Web3 financial services.

This startup operates a multi-line neo insurer that provides end-to-end insurance solutions, including underwriting, pricing, and claims handling, specifically designed for the digital native generation. By offering embedded insurance options for travel, urban micro-mobility, and motorbike use, it enables retailers, fintech companies, telecom operators, and banks to enhance customer engagement through multiple distribution channels.

Tymit provides a virtual Visa card and embedded payment solutions that allow consumers to make purchases in flexible instalments, with credit lines up to £12,000. This approach reduces merchant fees and enhances customer loyalty by offering a transparent and user-friendly payment experience.

The startup operates a holding company focused on acquiring membership management and payment processing businesses, integrating payment platforms with modern technology to enhance operational efficiency. By providing tailored software and payment solutions for small to medium-sized enterprises, the company enables these businesses to increase profitability through capital investment and monetization of embedded payments.

Reachu provides a platform that enables businesses to integrate embedded e-commerce into applications, games, and websites using APIs and SDKs, allowing for rapid deployment without the need for held inventory. This solution addresses the challenge of monetizing digital platforms by facilitating direct sales and improving revenue streams through contextual product offerings.

The startup offers a financial platform that integrates wealth management and everyday banking, enabling users to manage their finances through a single application. By facilitating the allocation of funds into diverse investment portfolios alongside digital banking services, the platform enhances users' ability to spend, save, and invest efficiently.

The startup offers a financial application that enables financial institutions and enterprises to integrate cryptocurrency transactions through a straightforward application programming interface. This solution facilitates rapid market entry and enhances customer engagement by providing a low-barrier method for utilizing digital assets.

BKN301 provides a Banking-as-a-Service platform that enables traditional banks, fintechs, and neobanks to integrate secure and scalable financial systems through a single API gateway. This technology addresses the need for efficient and flexible banking solutions in fast-growing markets, allowing businesses to offer customized financial products and enhance customer engagement.

This company provides a suite of financial tools for businesses using digital assets, including crypto accounting, payments, and wallet management. Their platform integrates blockchain technology with traditional finance, enabling crypto-to-fiat transactions and compliance for DeFi platforms.

The startup offers a lending-as-a-service platform that provides white-label merchant cash advances and other financial products to revenue-generating merchants on digital platforms. Its technology includes KYC and AML compliance, credit scoring, risk management, and loan origination, enabling marketplaces and payment providers to efficiently deliver tailored lending solutions to their merchants.

Fabrick provides an open finance platform that integrates Open Banking and Open Payment services, enabling businesses to implement account-to-account (A2A) payment solutions and access transactional data for value-added services. This approach enhances payment security, speeds up transaction execution, and fosters collaboration among fintechs, businesses, and financial institutions globally.

TradeHarvest is a cloud‑based marketplace that connects agricultural producers, exporters, importers and commodity traders worldwide. It integrates product listings, logistics coordination, customs documentation, trade‑finance, insurance and quality‑assurance into a single platform, enabling end‑to‑end deal management and real‑time transparency. Optional carbon‑offset and compliance tools help align shipments with sustainability standards.

Stere provides a comprehensive digital platform utilizing API-as-a-Service to streamline insurance distribution for insurers and partners. Their technology enables rapid policy issuance and seamless integration for embedded insurance, brokers, and agents. The platform offers global infrastructure and advanced data analytics to optimize operations and drive business growth.

VREPAY offers a technology platform that enables businesses to integrate financial products, such as loyalty programs and streamlined payments, into their existing operations. Their expertise in financial regulations and technology allows them to create customized solutions that improve customer loyalty, generate revenue, and streamline financial processes for businesses across various industries.

Stubben Edge provides a technology platform, Flightdeck, that streamlines the distribution of financial products by integrating CRM, administration, and analytics tools for intermediaries. The company addresses inefficiencies in the financial services industry by simplifying access to affordable and accessible financial solutions for both businesses and consumers.

Provides a SaaS platform with a single API that integrates embedded lending solutions into existing workflows, connecting SMEs with multiple lenders to streamline funding access. By offering predictive cash flow insights and a fully managed end-to-end lending experience, it helps businesses increase transaction volume, improve customer retention, and generate new revenue streams through commission on lending deals.

This startup provides a modular payments stack that enables companies to quickly develop and launch digital financial services, including card issuing, accounts, and payment processing. By streamlining the transaction banking core, it facilitates efficient cash management and enhances customer onboarding for businesses in the digital economy.

INFINIT provides vertical banking services tailored for SMEs, integrating AI-powered tools for payments, financing, and business management within specific industries such as energy and automotive. This platform addresses the inefficiencies in traditional banking by streamlining financial operations and enhancing revenue growth for small and medium enterprises.

Andaria Financial offers an embedded finance solution that enables businesses to manage digital payments and financial transactions through a secure API integration, facilitating cross-border payments in multiple currencies. By providing detailed data insights and a branded debit card program, Andaria enhances user engagement and reduces transaction costs, ultimately improving operational efficiency for companies in the sports and iGaming sectors.

Incard operates a vertical banking platform designed for e-commerce businesses, offering multi-currency accounts, payment services, and automated expense management to enhance financial oversight. The platform enables users to track cash flow in real time, streamline accounting processes, and gain actionable insights, facilitating faster decision-making and improved cash management.

Kayna provides an embedded insurance infrastructure that utilizes unique data to deliver dynamic, real-time policy adjustments for small and medium-sized businesses (SMBs). This technology addresses the issue of underinsurance by ensuring that coverage levels accurately reflect the evolving needs of SMBs, thereby reducing the risk of financial distress from unexpected expenses.

Trustshare provides a unified API for marketplaces, enabling seamless payment processing, escrow services, and banking solutions across 220 countries. This technology allows businesses to manage complex financial transactions, reduce chargebacks, and facilitate instant payouts, addressing the challenges of trust and efficiency in cross-border trade.