← State of Embedded Finance 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
Payment Business License (支付业务许可证)
China
LianLian (Hangzhou) Information Technology Co., Ltd.
Cross-border RMB Settlement Approval
China
LianLian (Hangzhou) Information Technology Co., Ltd.
Payment Institution FX Business Registration
China
LianLian (Hangzhou) Information Technology Co., Ltd.
MSB / Digital Asset Trading License
US
LianLian Global
API License (FCA Payment Services)
UK FCA
LianLian Global
MSO License (Money Service Operator)
Hong Kong
LianLian Global
Authorized Payment License
Thailand
LianLian Global
Bank Card Payment License
Thailand
LianLian Global
FX Business Qualification
Brazil
LianLian Global
MTL (Money Transmission License)
US (40+ states including CA, TX, NY, FL, WA, etc.)
LianLian Global
The stack
Payments / PSP
LianLian Global Acquiring (self-operated)LianLian Global Cross-border Payments (self-operated)
Card issuing
Thredd
Lending
YouLend, Uncapped, iwoca, RITMO (plus licensed bank partners for domestic China lending)Cross-border e-commerce loans (最高500万元, 12%+ annualized)Advance collection / early settlement (缩短120天账期)Revenue-based financing via Uncapped ($100K–$10M, US & UK)SME lending via YouLend (embedded within LianLian Global platform)SME lending via iwocaRevenue-based financing via RITMO (EU)
FX & payouts
LianLian Global (self-operated)
Accounting gap: significant