Integrated Finance
“Can a single orchestration API replace the entire bespoke back-end infrastructure build for fintech startups wanting to launch regulated financial products?”
Integrated Finance (I.F. Technology Ltd) operates as a BaaS orchestration layer, enabling digital banks, lenders, and investment fintechs to build regulated financial products without obtaining their own banking licence. Rather than acting as an end-to-end BaaS provider itself, Integrated Finance aggregates and orchestrates pre-integrated connections to multiple licensed providers (ClearBank, Modulr, Railsr, LHV, Currencycloud, Thredd, Sumsub, ComplyAdvantage) through a single unified API, acting as the 'middleware' of the embedded finance stack. The platform's key value proposition is collapsing 12–18 months of back-end infrastructure build time into a few weeks of integration.