Banking as a Service Startups

Stripe provides financial infrastructure for businesses to accept payments, offer financial services, and implement custom revenue models across international markets in 135+ currencies.

54 investors

Razorpay provides payment processing APIs and financial services for online merchants, schools, and ecommerce businesses, offering payment acceptance, disbursement, current accounts, and working capital loans. The company serves businesses looking to accept and manage payments online with developer-friendly integration.

10 investors

Treasury Prime provides embedded banking technology through APIs that enable fintechs to embed banking services in their applications. The platform allows banks to expand into new markets while helping fintechs manage money transfers and regulatory risk.

8 investors

Verto provides borderless payment and financial management services for startups and enterprises, enabling multi-currency transactions, local account setup, and embedded finance across global markets. The platform centralizes currency management, international payouts, expense automation, and cross-border payments with compliance oversight.

7 investors

Bankjoy is a digital banking platform that enables community banks and credit unions to deliver digital experiences comparable to large banks. The platform includes mobile apps, account management tools, fraud prevention, and vertical banking solutions for reaching niche markets.

5 investors

NextPay provides payment infrastructure for businesses and platforms in the Philippines, enabling payouts, invoicing, bill collection, and embedded payment workflows across local payment rails and banking networks.

5 investors

PayCaddy provides a platform that allows Latin American companies to launch financial products including digital wallets, payment automation, and card issuance through API integration rather than building from scratch or using traditional banks.

5 investors

Decentro provides APIs and SDKs that enable companies to connect with legacy financial institutions across India and APAC, replacing the fragmented integration process with a unified platform and sandbox environment. The service handles ongoing maintenance and updates to prevent disruption, reducing typical integration timelines from months to weeks.

4 investors

Aella is a digital banking and lending platform providing credit, payments, and financial services to individuals and microenterprises across Africa. The company offers instant loans, digital cards, and business banking tools designed for financial inclusion in emerging markets.

3 investors

Arc provides a unified platform for managing cash, accessing competitive yield, raising debt capital, and using AI-powered financial services, serving businesses and organizations.

3 investors

BeGo is a platform that connects cargo shipments with available transportation, serving freight companies and logistics operators in Mexico. The company offers services for cargo matching, fleet management, and insurance solutions for truckers.

3 investors

Dayra provides APIs that enable Egyptian businesses to offer loans and financial accounts to their workers and customers. The platform helps unbanked individuals access credit and banking services through their employer's application.

3 investors

Ivella offers financial products and accounts tailored for couples at different relationship stages, including shared savings and account options designed for partners to manage money together.

3 investors

Jenfi offers revenue-based financing to digital businesses across Asia, tying repayment obligations to customer revenue. The company uses automated financial analysis of sales data and alternative sources to assess borrowers and manages funds through a virtual wallet and payment card.

3 investors

Kobalt Labs provides software that analyzes third-party contracts and documentation against internal policies and external regulations to identify and track compliance risks for banks and fintech companies. The platform enables financial institutions to evaluate vendor partnerships more quickly without expanding their compliance teams.

3 investors

Tpaga is a mobile financial platform offering digital payments, money transfers, bill payments, and cash withdrawals through a network of over 45,000 points across Colombia. It serves consumers and merchants with APIs for online collection, payroll disbursement, and integration into third-party platforms.

3 investors

Wibond is a white-label fintech platform that enables companies to integrate wallet, payment, and lending solutions into their digital ecosystems without building proprietary technology. The platform serves businesses seeking to monetize users and launch financial products with minimal operational and regulatory friction.

3 investors

Bridgecard provides APIs and infrastructure that enable fintech companies to issue Mastercard and Visa cards, both virtual and physical, with support for deployments across Africa and globally. The platform serves African-based startups seeking rapid card issuance capabilities with technical stability and customer support.

2 investors

Nash provides a ledger-based finance platform that consolidates banking, accounting, payments, treasury, and expense management for companies conducting cross-border operations in Africa. The software aims to reduce the complexity and cost of building financial infrastructure for businesses engaged in international commerce.

2 investors

Rank is a wealth management platform offering personalized investment portfolios and financial guidance to individual investors seeking alternatives to traditional savings, with portfolio management tailored to individual risk tolerance and life goals.

2 investors

nCino Integration Gateway (formerly Glyue by Sandbox Banking) is an integration platform as a service (iPaaS) with pre-built connectors and low-code automation that links core banking systems, CRMs, loan origination systems, and fintech apps. It is built for financial institutions such as banks and credit unions, serving CTOs, heads of lending, and innovation leaders.

2 investors

OWNY provides enterprise-grade infrastructure for managing private wealth, capital, and payments globally, with core capabilities in USD payments, settlements, and stablecoin clearing for financial institutions. The platform offers real-time compliance controls, direct USD bank accounts, and API-first integration with multiple payment rails.

1 investor

Parker provides banking services through a digital platform.

1 investor

Prelim provides software that enables banks and financial institutions to automate and improve their account opening workflows.

1 investor