Embedded Finance

Banking-as-a-service APIs enable any platform to offer deposit accounts and cards. Embedded lending APIs integrate credit decisioning into non-financial workflows. Payment facilitation models enable platforms to process payments without full money transmitter licenses. Insurance APIs enable contextual coverage offers at point of purchase.

BNPL at e-commerce checkout. Expense management cards within accounting software. Invoice financing within procurement platforms. Insurance bundled with product purchases. Savings accounts within payroll platforms.

Embedded finance enables non-financial companies to integrate payments, lending, insurance, and banking directly into their products. With 5 funders. The market is projected to exceed $7 trillion in transaction value by 2030.