“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?”
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.