← Embedded Finance Index 2026

Array

Also a provider — view Array’s profile →

“Can a white-label embedded fintech platform become the full-stack consumer financial wellness OS for banks, credit unions, and digital brands?”

Founded2020
HQBoca Raton, FL, USA
Latest roundLater Stage VC
IndustryInfrastructure / Open banking
The story

Founded in 2020, Array started as a developer of white-label, API-driven credit health and identity monitoring tools for financial institutions and fintechs. The company built a platform enabling banks, credit unions, and digital brands to embed consumer-facing credit monitoring, identity protection, and financial wellness products under their own brand. In 2026, Array accelerated expansion into broader consumer financial wellness through acquisitions of Chimney (home value and financial calculators) and Penny Finance (financial planning and education), positioning itself as a comprehensive embedded fintech products platform rather than a single-feature credit API vendor.

Last 12 months
2026-02
2026-02
Product timeline
2020
Array founded in Boca Raton, FL as a developer of an embedded financial and credit health platform for financial institutions and fintechs.· pivot
2023
Array named to GGV Capital's Embedded Fintech 50 list, recognized for its B2B embedded credit monitoring, identity protection, and privacy management platform.· banking
2026
Array acquired Chimney, adding embeddable financial calculators and home value tracking solutions to its platform.· acquisition
2026
Array acquired Penny Finance, a Boston-based fintech offering financial planning and money management tools for credit unions and community banks.· acquisition
The stack
2 layers disclosed in Array’s embedded-finance stack
Banking / BaaS
Cross River
Sponsor bank
in the full report
Accounting gap: none
1 more provider across 1 layer, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.