← State of Embedded Finance 2026

Infrarisk

Can a modular, AI-driven credit origination and loan management platform become the white-label lending infrastructure of choice for banks, challenger banks, and fintechs across Asia-Pacific and globally?

HQAustralia (inferred from WagePay partnership context)
IndustryInfrastructure / Lending
The story

InfraRisk started as a credit risk origination platform for banks and financial institutions, offering AI-driven risk models and modular lending infrastructure. The company was subsequently acquired by Aurionpro Solutions, extending its reach into global banking and financial services. Over time, InfraRisk broadened its offering beyond traditional bank lending to include consumer-facing BNPL, earned wage access partnerships (with WagePay in Australia), and a full loan lifecycle management suite (Asset Centre). The embedded finance angle centers on providing white-labeled, API-first lending infrastructure that allows banks, fintechs, and platforms to originate and manage credit under their own brand.

Last 12 months
The stack
Lending
Buy Now Pay Later (eCommerce, in-store, telco, education)Corporate LendingCommercial Real Estate LendingBank-to-Bank LendingFloorplan FinanceBusiness Financing SolutionAsset Centre (loan origination to closure lifecycle management)Digital Wage Advance (with WagePay, Australia)
Accounting gap: none