“Can a European freelance marketplace become the financial and compliance OS for the contingent workforce by embedding payments, insurance, and capital natively into every project?”
Malt launched as a European freelance marketplace connecting independent professionals with businesses, built around end-to-end project management including automated invoicing, payments, and compliance. The company embedded financial services—escrow payments via MangoPay, early payment (factoring/cash advance) via Defacto, and professional liability insurance via Hiscox—directly into its platform to reduce friction for both freelancers and enterprise clients. Its evolution has been toward a full Freelance Management System (FMS) with a tiered pricing model, expanding from France across Europe and into the Middle East.
Malt processes payments through MangoPay.
Malt's lending and capital products are provided by Defacto.
Malt's embedded insurance is provided by Hiscox.
Malt integrates with QuickBooks and Xero.
The Embedded Finance Index 2026 maps 4 layers in Malt's stack: Payments / PSP (MangoPay); Lending (Defacto, 30-day invoice payment / cash advance for freelancers and Fast payment for freelancers while preserving company payment terms); Insurance (Hiscox); Accounting (QuickBooks and Xero).
Malt is headquartered in Paris, France (42 rue de Rochechouart, 75009).
Get a read on where your own stack stands against Malt and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.