← Embedded Finance Index 2026

Hay

Can a mobile-first digital payment and money management platform displace traditional Australian banking for everyday consumers?

Founded2018
HQSurry Hills, New South Wales, Australia
Latest roundSecondary - Private
IndustryFintech / Consumer banking
The story

Hay was founded in 2018 in Sydney as a digital payment platform providing an alternative to traditional money management for Australian consumers. The platform offers financial functionality, visualized insights, real-time notifications, and detailed transaction data. Hay participates in Visa's Fintech Fast Track program, indicating a Visa-backed card product. The company remains private and venture-capital-backed with approximately 56 employees as of the latest available data.

Last 12 months
Product timeline
2018
Hay founded in Sydney, Australia as a digital payment and money management platform targeting individuals and businesses.· banking
The stack
0 layers disclosed in Hay’s embedded-finance stack
Accounting gap: none