Guavapay
“Can Guavapay evolve from a UK-regulated EMI offering multi-currency accounts into a full-stack financial OS for global SMEs, combining payments, acquiring, payroll, and embedded lending?”
Founded2019
HQLondon, UK (Monument Place, 24 Monument Street, London, EC3R 8AJ)
IndustryFintech / SMB banking
The story
Founded in 2019 as a Small Electronic Money Institution in London, Guavapay initially focused on consumer multi-currency accounts and global payments under the MyGuava brand. The company expanded into B2B with MyGuava Business, offering corporate accounts, acquiring services, and global payroll solutions. In 2025, it deepened its embedded finance offering by partnering with YouLend to provide SME financing, signalling a push to become a broader financial services platform for businesses rather than a pure payments provider.
Product timeline
2019
Guavapay founded in London as a global fintech offering multi-currency accounts and payment services for individuals and businesses.· banking
2021
Began working with Sumsub for KYC/identity verification to automate onboarding.· banking
2023
Partnered with Yapily to offer open banking-powered top-up experience for MyGuava app users.· banking
2025
MyGuava Business partnered with YouLend to offer embedded working capital financing for UK SMEs.· lending
Regulated entities
2
regulatory licences held by Guavapay
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
7 layers disclosed in Guavapay’s embedded-finance stack
Payments / PSP
Guavapay Acquiring (self-operated)
Money movement
in the full report
Banking / BaaS
in the full report
Card issuing
in the full report
Lending
in the full report
Open banking
in the full report
FX & payouts
in the full report
Accounting gap: significant
7 more providers across 6 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.