“Can a single orchestration layer abstract away all regulated financial infrastructure complexity so that any enterprise or fintech can embed banking, lending, cards, and insurance without direct provider relationships?”
Founded in 2017 in Berlin, Aazzur began as an embedded finance orchestration layer — a 'one-stop-shop' API platform connecting enterprises, fintechs, and banks to regulated financial infrastructure providers without requiring each client to build their own tech stack. Rather than becoming a bank or issuer itself, Aazzur operates as a PaaS aggregator: it curates best-in-class BaaS, card issuing, lending, insurance, and FX providers and exposes them via a unified API and embeddable front-end modules. The company has expanded its partner ecosystem over time, adding lending partners (Channel Capital), card issuers (Wallester), BaaS providers (Railsr), and data platforms (Sikoia), positioning itself as the orchestration middleware above the regulated-infrastructure layer.
Aazzur discloses Railsr as its banking provider, according to the Embedded Finance Index 2026.
Aazzur does not disclose a bank charter of its own; its banking services are provided through Railsr.
Aazzur's cards are issued through Wallester.
The Embedded Finance Index 2026 maps 3 layers in Aazzur's stack: Banking / BaaS (Railsr); Card issuing (Wallester); Lending (SME embedded lending, Consumer lending / BNPL, Embedded lending at point-of-need and Extended payment terms / credit limits for B2B).
Aazzur is founded in 2017 and headquartered in Berlin, Germany.
Aazzur has raised $5.5M in total.
Get a read on where your own stack stands against Aazzur and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.