“Can a core-banking software vendor be the one-stop integrator that helps small fintechs get licensed and live faster than they could on Mambu or building in-house?”
Advapay is an Estonian core banking software vendor and fintech consultancy founded in 2015. The company sells a white-label digital core banking and e-wallet platform (Macrobank) alongside licensing/consulting services to help fintechs obtain EMI, PI, MSB and crypto/MiCAR licenses. Its embedded-finance angle is as an enabler — it integrates third-party BaaS, KYC, and payment partners through a marketplace and resells them to fintech operators, rather than operating its own regulated financial services.