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JustiFi

Also a provider — view JustiFi’s profile →

“Can vertical SaaS platforms own the full financial relationship with their SMB customers — payments, payables, lending, insurance — through a single embedded infrastructure instead of stitching together Stripe, a BaaS, and point solutions?”

Founded2020
HQSaint Paul, Minnesota, USA
Latest roundSeed extension, 2024
IndustryInfrastructure / Payments
The story

Founded in 2020 in St. Paul as BlankMetal, JustiFi positioned itself as an embedded fintech operating system for vertical SaaS platforms — starting with payment facilitation and expanding into a broader suite covering payables, embedded lending / BNPL, and embedded insurance orchestrated through a single API and 'Unified Fintech Checkout'. The company operates as a registered PayFac in the US (sponsored by First-Citizens Bank & Trust) and as a registered ISO in Canada (Wells Fargo / First Data), positioning itself as the platform-of-record rather than a reseller of Stripe/Adyen.

Last 12 months
2024-07
2026-08
Product timeline
2020
Founded (formerly known as BlankMetal) as embedded fintech infrastructure for vertical SaaS platforms· pivot
2024
Raised $10M seed-extension round· funding
2024
Introduced Merchant Agreement as separate document from Terms of Service; posted subprocessors publicly· compliance
Regulated entities
2
regulatory licences held by JustiFi
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
7 layers disclosed in JustiFi’s embedded-finance stack
Payments / PSP
JustiFi (self-operated PayFac)First-Citizens Bank & Trust CompanyWells FargoFirst Datajustificheckout
Money movement
in the full report
Card network
in the full report
Lending
in the full report
Open banking
in the full report
KYC
in the full report
Sponsor bank
in the full report
Accounting gap: significant
14 more providers across 6 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.