Valley Bank
Also a provider — view Valley Bank’s profile →“Can a 100-year-old regional bank become a modern sponsor / partner bank for fintechs without the regulatory scars that hit Cross River, Evolve, and Blue Ridge?”
Founded1927
HQMorristown, New Jersey, USA
IndustryBank / National
The story
Valley National Bank is a nearly-century-old New Jersey regional bank (founded 1927, ~$64B assets, NASDAQ: VLY) that has spent the last few years pivoting from a traditional branch-centric commercial bank into a fintech-partner / sponsor bank. It publicly named Partner Banking as a long-term growth pillar, hired a Head of Partner Banking from Piermont Bank in early 2026, and has been assembling a modern embedded-finance stack around Infinant's Interlace platform (BaaS orchestration) and Koxa (ERP-to-bank connectivity).
Last 12 months
Product timeline
1927
Founded in Passaic, New Jersey· founding
2021
Launched Valley OneCard commercial charge card program on Mastercard· card
2023
Closed $130M asset-based revolving credit facility for Access Capital via Valley Specialty Finance· lending
2025
Launched ERP banking solution powered by Koxa· banking
2025
Selected Infinant's Interlace platform to scale Partner Banking / embedded finance· banking
2026
Hired Rodrigo Suarez (ex-Piermont Bank CBO) as Head of Partner Banking· banking
Regulated entities
1
regulatory licence held by Valley Bank
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
10 layers disclosed in Valley Bank’s embedded-finance stack
Payments / PSP
Valley Bank Merchant Services (self-operated)
Banking / BaaS
in the full report
Card issuing
in the full report
Card network
in the full report
Lending
in the full report
Open banking
in the full report
Unified APIs
in the full report
Sponsor bank
in the full report
FX & payouts
in the full report
Investing
in the full report
Accounting gap: minor
16 more providers across 9 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.