← Embedded Finance Index 2026

LianLian Global

“Can LianLian Global become the financial infrastructure backbone for Chinese and global e-commerce exporters by bundling cross-border payments, multi-currency accounts, card issuance, FX, and embedded lending into a single licensed, API-accessible platform?”

HQHangzhou, China
IndustryFintech / Cross-border payments
The story

LianLian Global originated as a domestic Chinese payment processor and pivoted to cross-border payments serving Chinese e-commerce exporters selling on Amazon, eBay, Shopee, and similar marketplaces. The company has since evolved into a full-stack cross-border financial platform, adding global acquiring (credit card acceptance for independent website merchants), multi-currency virtual cards, and an embedded lending marketplace connecting sellers to capital providers such as YouLend, Uncapped, iwoca, and RITMO. The current strategic direction is to become a one-stop financial infrastructure platform — 'from payments to intelligent payments' — enabling both merchants and financial institutions to access global money movement, FX, card issuance, and embedded financing through a single API and 66+ payment licenses.

Last 12 months
2026-04
Product timeline
2022
Partnered with Uncapped to offer flexible ecommerce financing ($100K–$10M) to US and UK merchants through the LianLian Global platform.· lending
2022
Secured additional lending partnerships with iwoca, RITMO, and YouLend to build integrated cross-border payments and financing solution.· lending
2022
Launched virtual credit card (multi-currency VCC) product for international business spending in partnership with Visa and licensed financial institutions.· card
2023
Expanded global acquiring platform (连连全球收单) with direct connections to all six major card networks including American Express (first Chinese online acquirer with direct AmEx connection) and Visa/Mastercard Principal Member status.· banking
2024
Reached 66+ payment licenses and certifications globally, covering 130+ currencies and 100+ countries for payouts.· banking
2026
Launched LianLian Global API platform for enterprises to integrate global collection, accounts, card issuance, payouts, and FX capabilities via single API.· banking
Regulated entities
10
regulatory licences held by LianLian Global
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
4 layers disclosed in LianLian Global’s embedded-finance stack
Payments / PSP
LianLian Global Acquiring (self-operated)LianLian Global Cross-border Payments (self-operated)
Card issuing
in the full report
Lending
in the full report
FX & payouts
in the full report
Accounting gap: significant
9 more providers across 3 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.