Fintech: Embedded Finance
Embedded finance: banking inside your product.
White label payments, wallets, virtual cards, and issuer accounts that any SaaS, marketplace, or platform can offer its customers: under your brand, on infrastructure you own.
The short answer
What is embedded finance, and how is it different from BaaS?
Embedded finance is the delivery of financial services (payments, wallets, cards, credit, insurance) inside a non financial product like a SaaS tool or a marketplace, so the end user never leaves the host experience. Banking as a Service (BaaS) is one way to deliver it: a licensed bank exposes its regulated capabilities through APIs so non bank platforms can offer bank like services. The difference in practice: 'embedded finance' is the outcome the platform ships; BaaS is one of the technical models beneath it. Building on your own infrastructure (rather than reselling a single BaaS provider) keeps the margin, the roadmap, and the ability to switch sponsor banks and networks as you scale.
What we build
Embedded Finance, engineered on your infrastructure.
White label payments & wallets
Accept, hold, and disburse funds under your brand: multi currency wallets segregated per end customer, with your look and feel end to end.
Embedded issuing
Instant virtual cards and physical card programs your end users get inside your product, with your spend controls and your brand.
Marketplace payouts
Split payments, escrow, and delayed disbursements across sellers, providers, or independent contractors, with per recipient KYC/KYB.
Sponsor bank agnostic
BIN portable, acquirer portable, and rail portable: you keep the ability to switch sponsor banks and partners as you scale.
Embedded compliance
KYC/KYB, sanctions, and monitoring wired to your platform's user model: end users onboarded through your product, controls enforced in yours.
APIs your engineers will actually use
Idempotent, well typed APIs, first class webhooks, and SDKs: designed by people who ship product, not by a platform team that never has.
FAQ
Embedded Finance: frequently asked questions.
When should a platform build embedded finance instead of reselling BaaS?
Reselling a BaaS provider gets a platform to market fastest and is the right answer while product market fit is uncertain. Building on your own infrastructure makes sense once transaction volume covers the engineering cost, unit economics matter, or the BaaS partner's constraints (feature roadmap, pricing, sponsor bank changes) start limiting the product. In practice most platforms cross that threshold between $50M to $500M annual transaction volume.
Can our end users open their own accounts through our product?
Yes. Embedded issuing and account creation happens inside your onboarding flow: KYC/KYB runs against your data (with any additional documents captured in your UI), an issuer account and card are provisioned via the sponsor bank, and the end user experiences it as your product's feature. You keep the brand and the customer relationship.
How does this work with our existing sponsor bank?
The platform is written to be sponsor bank agnostic: BIN, acquirer, and program relationships live behind clean abstractions. We plug into your sponsor bank(s), or introduce you to sponsors we've integrated with, without your embedded product needing to know which bank is behind a given account or card.
What compliance load does the platform take on vs. what we still own?
Program level compliance obligations (the licensed activity itself) stay with the licensed entity (your sponsor bank, or you if you hold licenses). The platform provides the technical controls, evidence trails, and workflows that make those obligations operable at scale: onboarding, monitoring, sanctions, reporting. We build the machinery; the compliance officer decides the policy.
Explore the fintech stack
Related fintech capabilities.
Payment Platforms & Orchestration
One API across ACH, SEPA, Wire, Faster Payments, Pix, SPEI, and crypto: with double entry ledger, permissioned settlement, and reconciliation out of the box.
Learn moreCard Issuing & Program Management
Virtual and physical card issuing, program management, real time authorization, and spend controls: deployed as a white label capability inside your own product.
Learn moreKYC / AML & Sanctions Screening
Onboarding, ongoing monitoring, sanctions screening, and adverse media checks with a defensible evidence trail behind every decision: designed to meet BSA, PSD2, and regional obligations.
Learn moreReady to ship embedded finance on banking grade infrastructure?
30 minutes with the team behind RYVYL, VeloTech, NEMS, and MonerePay. Scope the build, the rails, and the timeline: with a fixed 6 week pilot pattern and outcomes agreed in writing.