“Can a fintech middleware platform become the default integration layer that lets any bank or fintech launch embedded finance products by connecting to a curated network of best-of-breed core banking, payments, card issuing, and compliance providers?”
Founded in 2018 as We Make Great Software Inc., FutureBank positioned itself as an open banking and embedded finance platform enabling banks and fintechs to launch financial products faster through pre-integrated partner networks and core banking adaptors. Rather than becoming a bank itself, FutureBank evolved into a fintech middleware marketplace — connecting legacy and modern core banking systems with best-of-breed payment processors, card issuers, KYC/KYB providers, and lending partners. The Mastercard Engage partnership in 2024 marked a pivot toward large-scale bank modernisation, while the Paymentology partnership extended capabilities into instant card issuance.
Futurebank's cards are issued through Paymentology.
The Embedded Finance Index 2026 maps 2 layers in Futurebank's stack: Card issuing (Paymentology); Lending (Lending and credit connectivity (via partner network)).
Futurebank was founded by Sergio Barbosa and is founded in 2018, headquartered in Palo Alto, California, United States.
Get a read on where your own stack stands against Futurebank 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.