Digital banks and business accounts for SMBs, freelancers and consumers, mostly built on partner banks and BaaS.
| # | Company | Stage | Raised | Embeds |
|---|---|---|---|---|
| 1 | Mobile-first neobank for emerging markets · Nigeria · founded 2019 | Series A 2024 | $140M | Payments / PSPBanking / BaaSCard issuingCard network+1 |
| 2 | Stablecoin-native neobank and financial OS · Comoros (operational HQ; also registered in Seychelles and Cayman Islands) · founded 2023 | Series A 2026 | $90M | Money movementCard networkSponsor bankCrypto+2 |
| 3 | Financial services platform for SMBs · United Arab Emirates · founded 2020 | Series A 2024 | $52.6M | Payments / PSPCard networkOpen bankingAccounting |
| 4 | AI-powered financial OS for ecommerce brands · USA · founded 2020 | Series A 2025 | $40M | Payments / PSPBanking / BaaSCard issuingLending+3 |
| 5 | Vertical SMB financial operating system · USA · founded 2022 | Series A 2025 | $28M | Banking / BaaSCard issuingCard networkLending+2 |
| 6 | Canadian SMB financial operating system · Canada · founded 2021 | Series A 2025 | $26.5M | Payments / PSPSponsor bank |
| 7 | Credit-building debit card for students · United States · founded 2021 | Seed 2024 | $14.4M | Money movementBanking / BaaSCard issuingSponsor bank |
| 8 | AI-native digital banking infrastructure · Lithuania · founded 2019 | Series A 2025 | $10M | Payments / PSPMoney movementBanking / BaaSCard issuing+1 |
| 9 | AI financial operating system for startups · Ireland · founded 2025 | Seed 2026 | $7.5M | Money movementBanking / BaaSOpen bankingInvesting+3 |
| 10 | Down payment savings platform · USA · founded 2022 | Seed 2025 | $6.2M | Banking / BaaSSponsor bank |
| 11 | Dutch business banking software layer · Netherlands · founded 2024 | Seed 2025 | $3.6M | Payments / PSPBanking / BaaSCard issuingCard network+5 |
| 12 | Consumer payments and rewards app · Qatar · founded 2021 | Seed 2024 | $3.4M | Banking / BaaSCard networkSponsor bank |
| 13 | AI-native consumer finance platform · US · founded 2022 | Seed 2025 | $2.5M | Banking / BaaSSponsor bankFX & payouts |
| 14 | Embedded lending for consumer brands · United Kingdom · founded 2023 | Seed 2024 | $2.4M | LendingOpen banking |
| 15 | AI personal finance companion · United Kingdom · founded 2022 | Seed 2025 | $1.6M | Banking / BaaSCard issuingOpen banking |
| 16 | Digital payment gateway and wallet · Algeria · founded 2024 | Pre-seed 2024 | $15K | Payments / PSP |
All 16 that qualify, by total raised. Qualifying means founded in 2018 or later, a pre-seed, seed or Series A round in 2024or later, at most $250M raised, and at least one financial product embedded in the stack. Funding is as reported in each company’s dossier; descriptions are written from the dossier. Click a company for what it embeds and who powers it.