← Embedded Finance Index 2026

Younited

“Can Younited become the default instant credit infrastructure layer for European banks, fintechs, and merchants by combining a regulated banking license with a flexible API-first lending platform?”

HQParis, France
Latest roundVenture - Series Unknown
IndustryFintech / Lending
The story

Younited began as a peer-to-peer lending marketplace connecting lenders and borrowers online, operating under a full ECB banking license via the ACPR in France. It evolved into a B2B2C embedded lending infrastructure player, offering white-label and API-driven instant credit solutions to banks, fintechs, insurers, and merchants across Europe. The Younited Pay instalment product positions it squarely in the BNPL and point-of-sale financing space, while its B2B credit rails power third-party platforms such as Bpifrance. The company's strategic direction is now focused on becoming the instant credit layer for European financial services and retail.

Last 12 months
2025-09
2023-10
Product timeline
2020
Launched Bpifrance partnership enabling SME loans from €1,000 to €75,000 via Younited's technology platform.· lending
2023
Announced partnership with Tink to expand instant credit offering using open banking data across Europe.· lending
2025
Accelerated Younited Pay instalment payment solution through a network of 10+ Tier 1 tech partners including PSPs, orchestrators, CMS and POS systems.· lending
Regulated entities
1
regulatory licence held by Younited
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
2 layers disclosed in Younited’s embedded-finance stack
Lending
Younited Pay (instalment/BNPL for merchants, €100–€50,000, 3–84 months)Instant credit API for banks and fintechs (plug-and-play, enriched, white-label)SME loans via Bpifrance platform (€1,000–€75,000)
Open banking
in the full report
Accounting gap: none
1 more provider across 1 layer, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.