HOPPA

Netherlands

HOPPA is a white-label embedded finance platform that lets businesses launch branded cards, multi-currency accounts and wallets, crypto-to-fiat exchange with virtual IBANs, and global money movement over SEPA, SWIFT and local rails. It ships either as a ready-to-launch web and mobile product with pre-built UI and managed KYC/KYB, or as modular REST APIs. HOPPA is a technology provider and does not hold client funds itself — regulated services are delivered through licensed partners including Equals Money Plc (FRN 900926, UK/EEA e-money), Unlimit EU Ltd (EU IBANs and Mastercard issuing) and a MAS-licensed major payment institution for APAC.

Sumsub

United Kingdom

Sumsub is a full-cycle verification and compliance platform that lets fintechs, banks and digital businesses onboard and monitor customers through a single integration. It combines identity verification (KYC), business verification (KYB), AML and sanctions screening, ongoing transaction monitoring and fraud prevention, orchestrated through a no-code workflow builder so companies can tailor verification flows by risk level and jurisdiction.

AAZZUR

Germany

AAZZUR is a Berlin-based embedded finance orchestration platform that lets banks, enterprises and brands build and launch customer-centric financial products — accounts, cards, payments, lending and expense management — through a single API, a library of pre-built "Smart Finance Blocks" and white-label front-end components. Rather than a single BaaS provider, AAZZUR acts as an orchestration layer that connects a marketplace of regulated banking, payment and compliance partners, so companies can assemble and combine services from multiple providers and add data-driven, contextual front-end experiences on top. Founded in 2017, AAZZUR serves 15+ enterprise clients including Société Générale's Treezor, Adecco, Edenred and TUI.