“Can a 40-year-old white-label channel vendor become the default front-office layer that lets incumbent corporate banks deliver a truly embedded, AI-enabled digital experience without replacing their core?”
CoCoNet has focused for 40+ years on a single mission: white-label front-office channels for corporate banking (payments, cash management, EBICS, SWIFT). Rather than pivot, it has steadily deepened its regulatory posture (EBICS, PSD2, SWIFT gpi, R2P, AMLR) and modernized the multi:versa platform toward cloud/hybrid, open banking APIs, and AI. The 2024 EMERAM buyout marked a shift from founder-led growth to PE-backed European expansion, positioning the company to serve top-tier corporate banks like Raiffeisen, Berenberg, KBC, LBBW, PostFinance and Handelsbanken.
CoCoNet moves money over SWIFT.
The Embedded Finance Index 2026 maps 2 layers in CoCoNet's stack: Money movement (SWIFT); Lending (multi:loan (Digital Loan Modules for bank customers)).
CoCoNet is founded in 1984 and headquartered in Düsseldorf, Germany.
Get a read on where your own stack stands against CoCoNet 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.