← State of Embedded Finance 2026

Hubuc

Can a single cloud-native ISO switch and card issuing API compress the time-to-launch for any company wanting to issue Mastercard debit, prepaid, or credit cards from months to weeks?

Founded2020
HQBarcelona, Catalonia, Spain
FoundersHasan Nawaz, Ignacio Javierre
Total raised$20.6M
Latest roundSeed, 2022
IndustryInfrastructure / Card issuing
The story

Founded in 2020 in Barcelona as an embedded finance API platform billing itself as 'AWS for financial services', Hubuc set out to let any company add financial services — payments, virtual and physical cards, bank accounts — through a single API. After a $10M seed round in 2022 and the launch of its in-house Mastercard-certified card issuing and processing engine (P1), Hubuc pivoted from being a BaaS customer itself (using providers like Currencycloud) toward operating its own ISO switch and processing infrastructure. By 2023 the company was listed as 'Acquired' on public data sources, with headcount dropping sharply, suggesting the technology or team was absorbed into another entity.

Last 12 months
2023
Product timeline
2020
Founded in Barcelona as a BaaS/embedded finance API platform; incorporated as B2B Fintech Solutions S.L. and HUBUC Inc.· banking
2021
Joined Y Combinator Winter 2021 batch, positioning as 'AWS for financial services'.· pivot
2022
Raised $10M seed round co-led by WndrCo and Runa Capital with backing from Jeffrey Katzenberg.· banking
2022
Launched HUBUC P1, a cloud-native global card issuing and processing engine certified with Mastercard.· card
2022
Partnered with IDEMIA to launch Motion Code dynamic CVV payment cards.· card
2023
Acquired (status listed as 'Acquired' on data aggregators); headcount reduced significantly.· acquisition
Regulated entities
EMI
EU (Spain)
B2B Fintech Solutions S.L.
The stack
Payments / PSP
Mastercard Network (self-operated via P1 ISO switch)
Banking / BaaS
Hubuc P1 (in-house)
Card issuing
Hubuc P1 (in-house)
KYC
Idemia
FX & payouts
Currencycloud
Accounting gap: none