Yapily
Also a provider — view Yapily’s profile →“Can an infrastructure-only, white-label open banking API win against consumer-brand aggregators like Tink and TrueLayer by owning connectivity depth across the UK and EU?”
Founded2017
HQLondon, United Kingdom
FoundersStefano Vaccino
Total raised$69M (as of Series B, 2021)
Latest roundSeries B, 2021
IndustryInfrastructure / Open banking
The story
Yapily is a UK-founded PSD2 open banking infrastructure provider that deliberately positions itself as API-only (no branded UI), competing against Tink, TrueLayer and Plaid on connectivity depth and white-label delivery. It operates two regulated subsidiaries — Yapily Connect Ltd in the UK (FCA) and Yapily Connect UAB in Lithuania (Bank of Lithuania) — to passport AIS/PIS coverage across the UK and EU. Yapily itself is the vendor in this category, so downstream stack fields (BaaS, card issuing, payroll, etc.) do not apply.
Last 12 months
—
Product timeline
2017
Yapily founded in London by Stefano Vaccino as an API-only open banking infrastructure provider.· pivot
2021
Raised $51M Series B led by Sapphire Ventures to expand across Europe.· banking
2021
Announced Adyen as a customer for account information services powering merchant onboarding.· banking
Regulated entities
2
regulatory licences held by Yapily
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
3 layers disclosed in Yapily’s embedded-finance stack
Payments / PSP
Yapily Payments (self-operated)checkout
Open banking
in the full report
KYC
in the full report
Accounting gap: none
3 more providers across 2 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.