← Embedded Finance Index 2026

Integrated Finance

“Can a modular, API-first infrastructure layer let any fintech team launch banking, cards, and lending products by assembling pre-integrated building blocks rather than negotiating dozens of individual vendor contracts?”

Founded2019
HQLondon, United Kingdom
FoundersAlistair Cotton
Total raised$3.42M
Latest roundLater Stage VC
IndustryInfrastructure / BaaS
The story

Founded in 2019 by Alistair Cotton, Integrated Finance is a London-based BaaS infrastructure platform designed to reduce fintech setup time by offering modular, API-first building blocks for banking, cards, wallets, lending, and open banking. Rather than competing directly with BaaS providers, the platform positions itself as an orchestration layer that aggregates multiple third-party providers (ClearBank, Nium, card issuers, open banking TPPs) into a unified developer experience. The company targets fintech builders who want to launch financial products without assembling point solutions from scratch.

Last 12 months
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Product timeline
2019
Founded as a cloud-native financial infrastructure platform providing API-enabled core banking and product integration for fintech businesses.· banking
2022
Launched building-block marketplace model with card providers, account & money movement providers, open banking providers, and programmatic ledger capabilities.· banking
The stack
4 layers disclosed in Integrated Finance’s embedded-finance stack
Banking / BaaS
ClearBank
Lending
in the full report
Unified APIs
in the full report
FX & payouts
in the full report
Accounting gap: none
4 more providers across 3 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.