Qonto
Also a provider — view Qonto’s profile →“Can Qonto transform from a payment institution into Europe's full-stack financial OS for SMEs and freelancers — and simultaneously monetize its infrastructure via Qonto Embed?”
Founded in 2016-2017 as a payment institution targeting French SMEs and freelancers with a digital business account, Qonto has progressively expanded into a full-stack business finance platform. The company grew from a basic SEPA payment account to layered financial services including credit (Buy Now Pay Later, Pay Later, credit lines), FX via Wise Platform, card insurance via Qover, and in-house lending. In 2022, Qonto launched Qonto Embed, positioning itself as an embedded finance infrastructure provider for third-party B2B SaaS platforms. As of 2025, Qonto has filed for a credit institution (banking) license in France, signaling a strategic shift from payment institution to full bank to unlock broader lending, savings, and investment products for its 600,000+ customer base.