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United States

Earned wage access (EWA) infrastructure built for financial institutions — lets banks and credit unions offer on-demand pay to their own customers, rather than through the employer as most EWA providers do. SOC 2 Type II.

Fipto

France

Enterprise stablecoin payments infrastructure to send, receive, hold and convert funds globally in real time across fiat and stablecoin rails. Describes itself as Europe's first dual-licensed stablecoin payment institution (ACPR Payment Institution + AMF CASP).

Asset

Canada

Embedded accounting platform for micro-SMBs. Asset powers vertical SaaS and fintech platforms with an AI-native ledger and scaled bookkeeping, delivered as white-label web apps, native embedded components, or SMB-focused accounting APIs. Founded by ex-Teal/Bench operators.

EasyTeam

Israel

Embedded workforce-management API and SDK covering time tracking, scheduling, PTO, and payroll alignment across the U.S. and Canada. Started as the workforce-management platform for Shopify POS retailers (100,000+ locations, 5.0 Shopify App Store rating) before opening up a general-purpose embedded offering for any SaaS platform. In September 2025 partnered with Salsa to deliver a combined embedded workforce-plus-payroll stack for platforms serving hourly teams in retail, hospitality, home services, fitness, and beauty/wellness.

Stripe Connect

United States

Stripe's platform and marketplace payments product, letting software platforms accept money and pay out to third-party sellers, service providers, or merchants. Connect handles connected-account onboarding and KYC, multiparty payment splitting, application fees, and global payouts under the platform's own brand.

Astrada

United States

Unified API for real-time card transaction data, positioned as the data layer for autonomous finance. Astrada aggregates structured transaction data across the major card networks so spend, expense, travel, and accounting platforms can see business card spend they didn't issue ('bring-your-own-card'), with 10+ fields per transaction including merchant name, MCC, terminal ID, and authorisation status. Founded by ex-Marqeta executive Salman Syed; strategic investors include Mastercard and Visa.

Duna

Netherlands

AI-native business identity platform automating KYB, KYC, AML screening, and lifecycle compliance for embedded finance platforms, fintechs, and marketplaces. Founded by former Stripe operators; backed by Index Ventures and Alphabet's CapitalG.

Stitch

Saudi Arabia

AI-native operating system for modern financial institutions. Ships a modular core covering lending, cards, payments, and ledgers — banks, lenders, and fintechs deploy individual modules rather than rip-and-replacing a full core. Headquartered in Riyadh with offices across the GCC (Dammam, Jeddah, Bahrain, Dubai), India (Chennai, Bengaluru), New York, and Beijing.

PalWallet

Cyprus

EU-regulated embedded-finance platform combining BaaS, virtual card issuing, cross-border payments, and crypto rails for fintechs and platforms. PalWallet Limited is authorised as an Electronic Money Institution by the Central Bank of Cyprus and operates under MiCA for crypto services. A single API covers dedicated IBAN accounts, Mastercard-network virtual card issuing, B2B and B2C payouts across 190+ countries, fiat on/off ramps, and a white-label BaaS programme.

Qwist

Germany

European open finance API platform (formerly figo + finAPI) offering bank-account connectivity, data enrichment, and embedded banking actions. Three product layers: Qwist Connect (PSD2 account access across Europe), Qwist Assess (income verification, risk insights, transaction categorisation), and Qwist Activate (account switching, portfolio switching, pay-by-bank). PSD2-licensed; PSD3 and PSR/IPR ready.

Experian

Ireland

Listed credit-reporting and decisioning company (LSE: EXPN) with a regulated open banking offering in the UK and US. Experian Open Data uses PSD2 / CFPB Section 1033 access to pull current-account transaction data straight from the bank, feeding it into affordability, income verification, and credit-decisioning workflows alongside Experian's traditional credit-bureau data. OBIE regulated provider in the UK.

PhotonPay

Hong Kong

Hong Kong-headquartered global payments platform that bridges fiat and stablecoin rails for cross-border commerce. PhotonPay offers checkout, multi-currency wallets, instant payouts, FX, card issuing, and recurring billing through a unified API — used by travel, global payroll, B2B trade, digital advertising, and e-commerce platforms that need to move money across jurisdictions.

Lead Bank

United States

Kansas City, Missouri-chartered community bank that pivoted to BaaS sponsorship under CEO Jackie Reses (formerly Square Capital). Acts as a sponsor bank for fintech programs needing FDIC-insured deposit accounts, ACH and wire origination, and card-issuing sponsorship.