← State of Embedded Finance 2026

Futurebank

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?

Founded2018
HQPalo Alto, California, United States
FoundersSergio Barbosa
IndustryInfrastructure / BaaS
The story

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.

Last 12 months
2024-01
2024-01
2024-01
Product timeline
2018
Founded as We Make Great Software Inc., operating as FutureBank, a plug-and-play banking and payments platform for banks and fintechs.· banking
2024
Accepted into Mastercard Engage network as a Digital First partner to fast-track bank modernisation via FutureBank platform.· banking
2024
Partnered with Paymentology to deliver instant issuance of virtual and physical cards for banks and fintechs.· card
2024
Tapped IDVerse technology to speed customer onboarding via digital identity verification.· banking
The stack
Payments / PSP
Mastercard (via Engage network)
Card issuing
Paymentology
Lending
Lending and credit connectivity (via partner network)
Accounting gap: none