Fabrick
“Can a PSD2-licenced Open Finance infrastructure platform become the go-to embedded finance layer for European banks, fintechs, and non-financial enterprises?”
Founded2018
HQBiella, Italy
IndustryInfrastructure / Open banking
The story
Founded in 2018 as an Open Finance platform by Sella Group (an Italian banking group), Fabrick positioned itself as an embedded finance infrastructure provider rather than a retail bank. It holds its own Payment Institution licence under PSD2 and operates as both an AISP and PISP, connecting 700+ banks across Europe. The platform's strategy centres on enabling non-financial companies and financial institutions to embed payment, banking, and lending services into their own products via modular APIs — a classic infrastructure-as-a-service play in the European Open Banking ecosystem.
Last 12 months
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Product timeline
2018
Fabrick Open Finance platform launched, combining Open Banking and Open Payments services to enable Embedded Finance use cases.· banking
2021
Moneyfarm and Fabrick announced an integrated Open Banking solution partnership.· banking
2025
Published 'Embedded Lending' thought leadership content and expanded Lending Place suite to support digital credit for Italian businesses.· lending
Regulated entities
3
regulatory licences held by Fabrick
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
4 layers disclosed in Fabrick’s embedded-finance stack
Payments / PSP
AdyenBanco de SabadellAFIRMEFabrick Payment Gateway (self-operated)Fabrick Payment Orchestra (self-operated)Fabrick Payment Facilitator (self-operated)
Money movement
in the full report
Card network
in the full report
Lending
in the full report
Accounting gap: none
6 more providers across 3 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.