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Embedded Finance Index/Guides

Embedded finance guides, counted from the data

How vertical SaaS, marketplaces, neobanks, B2B fintechs, consumer brands and crypto companies embed finance: which layers they ship, in what order, and which providers sit behind them. Every number is counted from public disclosures and links to the companies behind it.

2,446 companies across 6 guides, out of 6,646 in the index · updated 2026-11-14

Vertical SaaS · 1,230 companies
How vertical SaaS platforms embed finance

45% of the 1,230 vertical SaaS companies in the index disclose payments; Stripe is named by 281 of the 540 that use a provider (52%).

payments
45%
lending
14%
data connectivity
13%
accounts
10%
Marketplaces · 143 companies
How marketplaces embed payments, payouts and capital

67% of the 143 marketplaces and commerce platforms in the index disclose payments; Adyen is named by 30 of the 93 that use a provider (32%).

payments
67%
FX and payouts
31%
lending
30%
data connectivity
14%
Neobanks · 303 companies
How neobanks are built: sponsor banks, BaaS and card issuing

82% of the 303 neobanks in the index disclose accounts, and 144 of those run it on their own licence or in-house; among the rest, Community Federal Savings Bank is named most (5).

accounts
82%
cards
48%
payments
41%
sponsor bank
38%
B2B fintech · 404 companies
The B2B fintech stack: business accounts, cards and spend

44% of the 404 B2B fintechs in the index disclose accounts; Cross River is named by 7 of the 166 that use a provider (4%).

accounts
44%
payments
31%
sponsor bank
30%
lending
27%
Consumer brands · 144 companies
How consumer brands embed finance: BNPL, cards and accounts

41% of the 144 consumer brands in the index disclose payments; Stripe is named by 21 of the 59 that use a provider (36%).

payments
41%
lending
26%
accounts
16%
FX and payouts
15%
Crypto · 222 companies
How crypto companies connect to banking rails

47% of the 222 crypto companies in the index disclose crypto; Bridge is named by 12 of the 89 that use a provider (13%).

crypto
47%
accounts
34%
payments
27%
FX and payouts
22%
Analysis
All companies A–ZEmbedded finance mapEmbedded finance by countryThe network isn't the only rail anymoreMoney-movement railsBank charter applicationsHow banks sell embedded financeEarly-stage companies to watchConsortiums & alliancesEmbedded finance newsMonthly recapEmbedded finance statistics
Leaderboards
Sponsor banksBaaSCard issuingKYC / compliance
Regions
USUKEU
By theApideck research team— the unified API platform behind this guide.