“Can a highly configurable, global issuer-processing platform become the full embedded finance infrastructure layer for banks and fintechs worldwide?”
i2c is a global card issuer-processor and financial technology platform founded to provide configurable, multi-product card program management for banks, fintechs, and non-bank issuers. The company's Agile Processing platform differentiates itself by enabling highly configurable debit, credit, and prepaid programs at global scale. Over time i2c has expanded beyond pure processing toward broader embedded finance capabilities, including embedded lending through partners like Jifiti, and international payouts/FX through Nium. i2c sits at the infrastructure layer — it is typically the issuer-processor behind programs where a bank (such as Cross River) holds the regulated issuing license.
i2c discloses Cross River Bank, N.A. as its sponsor bank, according to the Embedded Finance Index 2026.
i2c does not disclose a bank charter of its own; its banking services are provided through Cross River Bank, N.A..
i2c processes payments through i2c Issuer Processing (self-operated).
i2c's cards are issued through i2c (self-operated).
i2c's lending and capital products are provided by Jifiti.
i2c uses Nium for FX and cross-border payouts.
The Embedded Finance Index 2026 maps 5 layers in i2c's stack: Payments / PSP (i2c Issuer Processing (self-operated)); Card issuing (i2c (self-operated)); Lending (Jifiti and Embedded lending (via Jifiti partnership)); Sponsor bank (Cross River Bank, N.A.); FX & payouts (Nium).
i2c is headquartered in Redwood City, CA, USA.
Get a read on where your own stack stands against i2c and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.