Toqio
“Can a no-code/low-code BaaS orchestration platform turn corporates and financial institutions into fast-moving distributors of embedded financial services for SMEs?”
Founded in 2019 as a SaaS platform enabling corporates and financial institutions to build embedded financial products. Toqio pioneered what it calls the 'Agent 2.0' model, positioning corporates as high-performance distributors of financial services. The platform evolved from a white-label BaaS orchestrator integrating Railsbank and Modulr into a broader marketplace connecting banks, fintechs, and corporates across banking, lending, cards, and payments. The company has leaned heavily into B2B embedded finance for SME distribution networks, particularly around working capital and liquidity solutions.