AAZZUR

AAZZUR operates an embedded finance orchestration platform that lets brands, platforms, fintechs and financial institutions launch or embed regulated financial products under their own brand. Its middleware normalises APIs from more than 30 regulated European financial service providers into a single unified integration layer, and pairs this with a modular library of over 100 pre-built financial UI components the company calls Smart Finance Blocks — pre-configured sets of front-end screens, microservices and API connections that customers assemble into a product. A developer portal exposes the integrated services via APIs so clients can configure their own offering.

Product areas span expense management (corporate cards, live spend limits, receipt reconciliation), loyalty and cashback, embedded banking (accounts, cards and payments without the client holding a licence), neobanking, embedded wealth and investing including gold, and payouts to cards and wallets. Preqin additionally lists embedded lending, data monetisation, retail and SME banking, international transfers, sustainability solutions and insurance. The company positions the platform against in-house builds, stating that a project traditionally requiring roughly 18 months and EUR 2–10M can be delivered in four to six months for EUR 300K–1M. An AI programme branded FORTE, described as coming soon on the company website, adds a compliance-grade MCP server layer exposing the financial infrastructure to AI agents for automated expense compliance monitoring, natural-language financial data queries and multi-entity anomaly detection within an architecture aligned to PSD3, FIDA, AMLD6 and GDPR.

Founding story

Founded in 2017 by Philipp Buschmann and Martin Damaske. Buschmann, who began his career in IT and later took an MBA at London Business School, observed that while the market was crowded with challenger banks serving end customers, few companies were serving the builders of those challenger banks, leading to a B2B2C positioning. The company name was chosen at a team gathering in Austria at the start of the venture.

Business model

B2B and B2B2C software: AAZZUR sells orchestration middleware and pre-built front-end components to brands, platforms, fintechs and financial institutions that want to offer financial products without building or licensing the underlying stack themselves. It also works with ecosystem partners such as BaaS providers, card issuers, wealth providers and implementation partners. The company website displays annual subscription plans, listing a Starter Plan at $149/year and an Enterprise Plan at $599/year.

Recurring platform/subscription pricing with implementation-scale projects; the company cites typical customer build costs of EUR 300K–1M versus EUR 2–10M for an in-house alternative. Reported revenue of EUR 913K in 2025 represented roughly 3x year-on-year growth.

Traction

Reported revenue of EUR 913K in 2025, about three times the prior year, and EUR 7.2M raised in total funding. Named Mastercard Fintech of the Year 2024. Listed clients include Societe Generale/Treezor, Adecco, Edenred, TUI, My Finance Club and Quartz. The platform integrates 30+ regulated financial service providers; named partners include Fourthline, Swan, Sikoia, Solaris and Railsr.

Latest developments

In January 2026 AAZZUR announced the closing of an oversubscribed GBP 2 million round completed in October 2025, led by Haatch Ventures with Alert Venture Foundry, Alumni Ventures, Great Stuff Ventures, Tyr Ventures and Tenity participating, to expand platform use cases across banking, cards, lending and wealth and accelerate go-to-market. The company is also marketing FORTE, an AI layer for embedded finance described as coming soon.