“Can Revolut become the global financial super-app and embedded-finance platform for both consumers and SMBs across 100+ countries?”
Founded in 2015 as a prepaid FX card for travellers, Revolut rapidly expanded into a full-stack consumer and SMB financial super-app covering banking, lending, investing, and HR/payroll. The company obtained an EMI licence and later a full UK banking licence, enabling it to hold deposits and underwrite credit directly rather than relying entirely on third-party BaaS partners. The embedded-finance angle crystallised as Revolut began white-labelling its payments, FX, and identity infrastructure to enterprise and SMB clients via Revolut Business and emerging partner integrations — evolving from a consumer neobank into a financial platform with B2B2C ambitions.