Young companies that raised a pre-seed, seed or Series A round recently, across every part of the embedded finance stack. Ranked by total raised.
| # | Company | Stage | Raised | Embeds |
|---|---|---|---|---|
| 1 | Embedded earned wage access infrastructure · USA · founded 2019 | Series A 2025 | $245M | Money movementBanking / BaaSCard issuingLending+2 |
| 2 | Embedded working capital financing for SMEs · United Arab Emirates · founded 2023 | Series A 2026 | $170M | Lending |
| 3 | Revenue-based and invoice financing for SMEs · United Arab Emirates · founded 2022 | Series A 2025 | $149M | Lending |
| 4 | Mobile-first neobank for emerging markets · Nigeria · founded 2019 | Series A 2024 | $140M | Payments / PSPBanking / BaaSCard issuingCard network+1 |
| 5 | Stablecoin cross-border FX infrastructure · United States · founded 2024 | Series A 2026 | $117M | Money movementBanking / BaaSLedgerFX & payouts |
| 6 | AI energy management with embedded solar financing · Germany · founded 2022 | Series A 2024 | $114M | Lending |
| 7 | AI-native general ledger and accounting · NY · founded 2024 | Series A 2025 | $100M | PayrollOpen bankingUnified APIsAccounting+1 |
| 8 | 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 |
| 9 | Embedded lending infrastructure for SMBs · Germany · founded 2021 | Series A 2024 | $60M | Money movementCard issuingLending |
| 10 | AI-native spend management and business banking · United Arab Emirates · founded 2021 | Series A 2025 | $55.1M | Money movementBanking / BaaSCard issuingCard network+2 |
| 11 | Stablecoin-orchestrated cross-border payments · Inc.); also entities in Canada and Brazil · founded 2021 | Series A 2025 | $53M | Money movementBanking / BaaSKYCInvesting |
| 12 | Modular payments and financial infrastructure OS · Germany · founded 2022 | Series A 2025 | $52.8M | Payments / PSPBanking / BaaSCard issuingCard network+1 |
| 13 | Financial services platform for SMBs · United Arab Emirates · founded 2020 | Series A 2024 | $52.6M | Payments / PSPCard networkOpen bankingAccounting |
| 14 | PayFac-as-a-Service for software vendors · USA · founded 2018 | Series A 2024 | $50.2M | Payments / PSPBanking / BaaSOpen bankingSponsor bank |
| 15 | Cross-border payments into Africa · Toronto) · founded 2021 | Series A 2024 | $50M | Banking / BaaS |
| 16 | Chargeback automation and management · United States (Delaware incorporated; sales team in New York) · founded 2021 | Series A 2025 | $49M | Payments / PSP |
| 17 | Cross-border payroll for maritime workers · London) · founded 2021 | Series A 2024 | $48.5M | Payments / PSPBanking / BaaSCard issuingFX & payouts |
| 18 | Bank infrastructure for AI agents · United States · founded 2022 | Series A 2026 | $48M | Money movementLendingFX & payoutsCrypto+1 |
| 19 | Enterprise stablecoin treasury and settlement · UK · founded 2025 | Series A 2026 | $48M | Money movementKYCSponsor bankCrypto |
| 20 | Agentic ERP and multi-entity accounting · UK) · founded 2022 | Series A 2025 | $42.9M | Payments / PSPBanking / BaaSCard issuingCard network+7 |
| 21 | AI-powered financial OS for ecommerce brands · USA · founded 2020 | Series A 2025 | $40M | Payments / PSPBanking / BaaSCard issuingLending+3 |
| 22 | Regulated stablecoin issuance and custody · USA · founded 2023 | Series A 2025 | $39.6M | Payments / PSPBanking / BaaSLedgerCrypto+1 |
| 23 | Agentic AI finance orchestration platform · USA · founded 2021 | Series A 2025 | $39M | Payments / PSPBanking / BaaSSponsor bankAccounting |
| 24 | Revenue-based financing for e-commerce · Cairo) · founded 2021 | Series A 2024 | $38.8M | Lending |
| 25 | Autonomous billing and collections platform · United States · founded 2021 | Series A 2025 | $35M | Payments / PSPBanking / BaaSSponsor bank |
Top 25 of 111 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.