← Embedded Finance Index 2026

Wrisk

“Can an independent embedded insurance platform become the default insurance (and now credit) layer inside the automotive OEM buying journey?”

Founded2016
HQLondon, United Kingdom
Latest roundSeries A (2021)
IndustryInsurtech / Embedded Insurance

The story

Wrisk launched as a general digital insurance platform but focused specifically on embedded motor insurance for automotive OEMs, powering programmes for BMW, MINI, Volvo, Mercedes-Benz, Toyota and Jaguar Land Rover. The 2026 acquisition of Atto extends the platform from pure insurance distribution into credit scoring and affordability — positioning Wrisk as a combined insurance + open-banking layer embedded into the car buying journey.

Last 12 months

2026-02

Acquired Atto to bring open-banking-powered credit intelligence, income verification and affordability into the embedded insurance stack.

Product timeline

2016

Wrisk founded in London as a digital insurance platform.· founding

2021

Series A led by QBN Capital with Guinness Ventures and Cell Rising Capital.· funding

2026

Acquired Atto, an open-banking financial intelligence platform, to add credit decisioning and affordability data to embedded motor insurance.· acquisition

Acquisitions

Atto2026

Open banking-powered financial intelligence platform providing real-time credit scoring, income verification and affordability assessment; acquired to layer credit decisioning onto Wrisk's embedded motor insurance for OEMs.

Regulated entities

regulatory licence held by Wrisk

Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.

The stack

2 layers disclosed in Wrisk’s embedded-finance stack

Insurance

Wrisk (self-operated MGA)

Open banking

in the full report

Accounting gap: minor

1 more provider across 1 layer, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.

Wrisk — frequently asked

Which open banking provider does Wrisk use?

Wrisk connects to bank accounts through Atto (in-house, via acquisition).

Which insurance provider does Wrisk partner with?

Wrisk's embedded insurance is provided by Wrisk (self-operated MGA).

What is Wrisk's embedded finance stack?

The Embedded Finance Index 2026 maps 2 layers in Wrisk's stack: Insurance (Wrisk (self-operated MGA)); Open banking (Atto (in-house, via acquisition)).

Where is Wrisk headquartered?

Wrisk is founded in 2016 and headquartered in London, United Kingdom.

What companies has Wrisk acquired?

Wrisk's acquisitions include Atto (2026).

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