Top 50 Embedded Finance in Europe

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.

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.

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.

Prets provides embedded finance solutions that allow homeowners to invest in energy-efficient upgrades, such as solar panels and heat pumps, without any upfront costs. By leveraging savings from reduced energy bills, Prets offers personalized financing options that make sustainable home improvements accessible to a broader audience.

Provides an embedded financing platform for SME-focused e-commerce and POS systems, enabling businesses to access operational loans of up to 1,000,000 Kč with minimal paperwork and instant online approval. Streamlines the funding process through seamless integration, real-time loan calculations, and automated identity verification, helping SMEs manage cash flow, purchase inventory, and invest in growth.

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.

Finmid provides a single API integration that allows software companies to embed financial services, including B2B payments and credit lines, directly into their products. This integration addresses the challenge of cash flow access for businesses, enabling deferred payment terms for buyers and instant payouts for sellers.

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.

Cloover offers a plug-and-play platform that provides embedded financing solutions for renewable energy upgrades, enabling companies to streamline sales processes and enhance customer value. By facilitating access to flexible payment options for solar panels, battery storage, EV charging, and heat pumps, Cloover addresses the challenge of affordability in sustainable home improvements.

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.

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 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.

Tranched provides on-chain embedded securitisation that enables fintech lenders to launch institutional-grade transactions up to 90% faster by automating loan assignment and regulatory reporting. Investors gain direct access to securitised opportunities with full traceability and enforceable security, eliminating the need for paperwork.

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.

Klarna offers a payments platform that embeds flexible financing options—including interest‑free Pay in 4 installments, pay‑later, and longer‑term credit—into online and in‑store checkout experiences. The service manages credit underwriting, payment collection, dispute handling, and buyer‑protection workflows, delivering merchants a consolidated settlement and conversion analytics. Shoppers can track orders, manage balances, and receive cashback through the Klarna mobile app.

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.

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.

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.

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.

NORBr provides a low-code platform that enables businesses to build customized global payment solutions by integrating with any payment provider through a simple API mapper. This technology reduces development time and costs while offering embedded reporting and financial reconciliation tools to enhance payment processing efficiency.

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.

Provides AI-driven APIs that calculate and reduce carbon emissions by analyzing transaction data from sources like credit cards, ERP systems, and accounting software. This enables financial institutions, insurance firms, and accounting companies to offer embedded carbon measurement services, helping clients manage portfolio emissions, comply with regulations, and engage sustainability-focused customers.

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.

The startup provides financing services that enable growing companies to access non-dilutive, guarantee-free capital by integrating directly with their financial accounts to gather necessary data for investment decisions. This approach offers transparent funding solutions that support sustainable and ethical business growth without compromising ownership.

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.

Neat provides retailers with a white-label embedded insurance platform that integrates seamlessly into both digital and physical sales channels, allowing them to offer customized insurance products without upfront costs. This solution enables retailers to generate additional revenue through commissions on premiums while enhancing customer loyalty with tailored coverage options.

Indeez is an embedded insurance orchestrator that designs and optimizes digital insurance programs for independent and gig workers, ensuring they receive essential income protection. By leveraging a proprietary technology platform, Indeez facilitates seamless integration and efficient claims processing, addressing the lack of financial security for freelancers and independent workers.

The startup provides an embedded insurance platform that automatically applies coverage for drivers, freelancers, and consultants on a project-by-project basis. This system enables corporations to quickly identify under-insured workers and ensure compliance with liability, motor, and health insurance requirements.

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.

The startup offers a mobile financial application that enables users to monitor investments, earnings, and fees in real-time while tracking transactions and profits. This solution addresses the challenge of managing investment portfolios conveniently from a smartphone, enhancing user engagement with financial markets.

Qover provides a modular embedded insurance orchestration platform that integrates insurance services into existing products, enabling businesses to offer tailored coverage across 32 European countries. This technology simplifies the insurance process, reduces operational costs, and enhances user experience by streamlining claims handling and policy management.

Finom provides a cloud‑native platform that combines a digital business account with IBAN, integrated payment processing, and automated expense management. The solution offers real‑time cash‑flow dashboards, auto‑reconciliation, compliance controls, and an open API for seamless integration with accounting or ERP systems, targeting SMEs and freelancers.

Superfluid Finance provides a protocol for real-time asset streaming in decentralized finance, allowing users to receive payments and manage subscriptions continuously rather than through traditional lump-sum transactions. This technology enables instant salary disbursements, real-time investing, and automated payment streams, enhancing liquidity and efficiency in financial interactions.

The startup offers a financial platform that facilitates in-store payment transactions through a customer-facing screen, allowing merchants to customize offers and loyalty points. This technology enhances customer engagement and streamlines the digitalization of financial transactions for businesses.

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.

Yuh is a finance app that combines payment processing, savings management, and investment opportunities into a single platform, utilizing a free account and a debit Mastercard for seamless transactions. It addresses the need for transparent financial services by offering no hidden fees, automatic savings projects with 0.75% interest, and access to a variety of investment products, including digital assets and ETFs.

Fennech offers a cloud-based corporate banking platform that hyper-automates finance, treasury, and payment processes, providing real-time visibility and control with minimal human intervention. The platform integrates seamlessly with existing IT systems, enabling businesses to manage payments and liquidity across multiple banking partners efficiently and cost-effectively.

Bilance is a mobile‑first personal finance app that links to users’ bank accounts across the EU/EEA via a regulated AIS provider and automatically imports and categorizes transactions with AI. It offers real‑time dashboards, budget creation, savings trackers, and alerts for recurring payments, plus secure data sharing for joint budgeting, all under GDPR‑compliant encryption.

The startup offers a decentralized finance application that utilizes blockchain technology to enhance financial privacy and simplify digital asset management. By integrating real-world assets into DeFi and providing AI-driven financial guidance, the platform enables users to navigate both traditional and digital finance with ease while ensuring access to customer support and educational resources.

Tamamliyo provides a self-service platform that integrates insurance products into digital businesses through user-friendly APIs, enabling rapid deployment within seven days. The solution addresses the lengthy and complex process of insurance product integration, allowing companies to offer embedded insurance without extensive coding or delays.

The startup offers a finance management application that enables users to set up accounts and manage transactions such as bills and direct debits through a smartphone interface. This application provides users with real-time insights into their financial activities, helping them save time and reduce unnecessary expenses.

This app analyzes users' spending patterns through open banking to identify small, manageable savings amounts. These savings are then automatically invested in diversified portfolios through a partner bank, helping millennials and Gen Z achieve long-term wealth goals.

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.

Provides embedded product protection insurance solutions for retailers, enabling them to offer coverage at the point of sale through online platforms and physical QR codes. This reduces customer service costs, increases conversion rates, and generates recurring revenue through commissions on policy sales and renewals.

Anansi provides an embedded goods-in-transit insurance platform that automates claims handling and invoicing reconciliation for e-commerce businesses, achieving a 98% claims success rate. By leveraging AI-driven insights, the platform reduces shipping claim costs and invoice errors by 60%, enhancing operational efficiency and profitability.

Fidamy provides embedded insurance solutions that integrate directly into digital sales processes, allowing businesses to offer tailored protection products to their customers. This approach enhances customer confidence and satisfaction by addressing the need for immediate coverage during the purchasing journey.

Up2 Money is an international finance platform that offers integrated business banking and financial management tools, including expense tracking, invoicing, and automated bookkeeping. By providing a centralized app for managing finances, it enables businesses to streamline operations, improve cash flow visibility, and enhance financial control.

This startup provides embedded finance services that allow businesses to control the timing of their payroll disbursements. Their platform enables flexible payment schedules, helping companies manage cash flow more effectively.

Omnio Group offers a Banking-as-a-Service platform that enables banks and large corporates to implement digital banking and embedded financial services using either their own regulatory licenses or Omnio's. The platform integrates core banking functionalities with loyalty and rewards products, enhancing customer engagement and streamlining financial operations.

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.