“Can a company win the infrastructure layer for embedded finance by providing direct, bare-metal banking APIs with maximum transparency and control rather than abstracting away complexity?”
Increase is a banking infrastructure company that positions itself as a 'bare-metal' API layer connecting technology companies directly to the Federal Reserve, Visa, and other financial networks. Rather than abstracting complexity, Increase exposes the full power of underlying rails to give fintech builders unfiltered access, predictable timing, and maximum control over payment flows. The company serves both fintech builders (like Check) and enterprises that require transparent, high-visibility banking infrastructure.