44 developments from 41 companies, with the month still running: 1 acquisitions, 1 funding, 26 partnerships and integrations, 3 launches, 6 licences and regulators, 7 other developments.
Announced it completed the acquisition of GoMoney, a São Paulo virtual asset service provider, in October: direct operations in Brazil, adding BRL collections and payouts via Pix settled in stablecoins. GoMoney has applied to the Banco Central do Brasil for VASP authorisation and operates under the transitional regime meanwhile.
prnewswire.comRaised an $80M Series C led by Seaya Nova and Speedinvest, with Illuminate Financial, Motive Partners and Molten Ventures (Citi Ventures joined, per Handelsblatt). Funds go to US and Canada expansion, further markets and agentic payments: Pliant's own AI agents automate finance work, and third-party agents such as Claude and ChatGPT connect to its payment infrastructure via MCP. Pliant has doubled for three years, passed $100M ARR and has 300+ staff.
getpliant.comDuffel partnered with Katanox, financial infrastructure for hospitality: sellers using Duffel's API to sell hotel stays (1.6M properties) will have Katanox run the payment flow, replacing virtual cards with account-to-account payments held in escrow until the booking is non-refundable, with automated reconciliation and settlement; eligible sellers get Katanox Capital payment advances. Announced, rolling out.
finextra.comSage announced it is building business accounts with debit cards, payments and reconciliation into its small-business software, with Adyen providing Banking-as-a-Service infrastructure and onboarding and Mastercard as card network partner. First implementation planned for Sage 50, Sage 100 and Sage Active in France; designed to sit alongside customers' existing bank relationships.
globenewswire.comEmployment Hero launched embedded payroll payments with Crezco: UK employers can pay salaries from inside Employment Hero's payroll by open-banking payment (Faster Payments rather than BACS), powered by Crezco. Announced by Crezco founder Ralph Rogge.
linkedin.comAllianceHCM, a US payroll and HCM provider, launched AllianceHCM Payroll Financing with Parafin: a line of credit eligible employers can draw to fund a payroll run, built on Parafin's Pay Over Time. Parafin handles funding, underwriting, servicing, compliance and operations; lines of credit are issued by Celtic Bank.
parafin.comAirwallex signed on as early design partner of Alta, a blockchain for regulated financial institutions co-founded by Airwallex CEO Jack Zhang, and plans to connect its payments network to it for stablecoin pay-ins and pay-outs linked to local fiat rails in 200 countries and 90 currencies. Alta announced $80M in total funding (a $47.5M Series A led by Index Ventures, with GV, Blackbird, Square Peg and Capital 49). Announced, not yet live.
theblock.coPayPal added a YouLend fixed-term business loan to its German financial services page: €1,000 to €1m for up to a year, one fixed fee, fixed weekly repayments, payout the next working day. YouLend arranges the loan and its sister company Banking Circle funds it; PayPal refers merchants and may earn a fee. Not listed on PayPal's UK, French or Dutch pages.
embeddedfinancereview.comPNC launched incoming stablecoin payments for eligible corporate and institutional banking clients as a limited pilot with Coinbase: clients receive USDC on Ethereum through Coinbase's payments products, and it is converted 1:1 and credited in US dollars to their PNC account. It expands the partnership announced in July 2025 (crypto trading for PNC clients via Coinbase; PNC provides banking and treasury services to Coinbase).
theblock.coCanada's Real-Time Rail launched with Wealthsimple among the first institutions on it, connected directly with no intermediary bank. Wealthsimple is building its own APIs on the RTR with ISO 20022 data and fraud tooling, with instant payment features for clients, including the 30,000 businesses it serves, due in 2027.
linkedin.comPNC launched incoming stablecoin payments for eligible corporate and institutional banking clients as a limited pilot with Coinbase: clients receive USDC on Ethereum through Coinbase's payments products, and it is converted 1:1 and credited in US dollars to their PNC account. It expands the partnership announced in July 2025 (crypto trading for PNC clients via Coinbase; PNC provides banking and treasury services to Coinbase).
prnewswire.comStarling announced business credit cards for eligible business customers, rolling out over the following weeks: uncapped 1% monthly cashback, no annual or foreign exchange fees, physical and digital cards, credit limits up to £100,000, Mastercard perks, 24.90% APR (variable).
linkedin.comTabs named Adyen its first payments partner: Adyen is the processor behind Tabs Pay, Tabs' embedded payments product for billing, collecting and reconciling inside Tabs, using Adyen's instant bank verification and PCI Level 1 environment.
linkedin.comLaunched BLIK Global, the first BLIK offering for customers living outside Poland: about 2.2 million Revolut customers across Europe with an active PLN balance can generate 6-digit BLIK codes in the app for online shopping, in-store payments and ATM withdrawals in Poland.
mojebankowanie.plBitrefill adopted Lightspark's stablecoin orchestration and global payouts API to pay its gift-card and top-up suppliers: one USDC balance funds payouts converted to dollars, pesos or reais and delivered to suppliers' bank accounts, instantly over RTP/FedNow, SPEI and PIX. Live in the US, Mexico and Brazil, extending to more suppliers.
lightspark.comCapra Bank and Zact launched Capra SpendLink: commercial card management, expense management, integrated payables and business travel in one experience under the Capra brand, built on the commercial card program Zact already powers for Capra. The two are exploring further commercial banking capabilities.
businesswire.comExpanded its partnership with Ebury: on top of UK Faster Payments and SEPA connectivity, Form3 will connect Ebury to Canada's new Real Time Rail (phased rollout from Q4 2026; Ebury joins in 2027).
form3.techChime and Workday expanded their partnership: through Workday's Enhanced Direct Deposit, employees of Workday customers can choose Chime for direct deposit without entering account details, free for employers and with no setup. It complements Chime Workplace's role as Workday Wellness's Strategic Financial Wellness Partner.
businesswire.comPartnered with 10x Banking: ezbob's lending-orchestration platform (onboarding, application, credit decisioning, AI agents) paired with 10x's modular core and ledger so banks can launch SME lending products in weeks. Starts in UK SME lending, with further markets and lending lines planned.
financialit.netExpanded its acquiring-partner agreement with Mollie: dispute management and consumer FX for Mollie's 350,000+ merchants across Mollie's direct API, hosted payment page and platform plug-ins, and Pay in Full, Pay in 3 and Financing enabled through the existing Mollie integration in 26 markets.
businesswire.comRepriced Global Payouts (generally available to US and UK senders): the first 50 domestic local-rail payouts a month are included with Treasury, cross-border payouts to the UK, Canada, Australia or the EU start at £0.50/$0.50, other local rails cost $2.50, and the first $1M of monthly payout volume is included (0.05% after). Stripe cited Turo: $160M+ in claims payouts at a 99.5% success rate, with failed transfers down 75%.
linkedin.comJack Henry announced a strategic partnership with equipifi, whose white-label BNPL platform lets Jack Henry banks and credit unions offer installment financing on everyday debit card purchases inside their own apps, keeping consumer credit relationships in-house.
linkedin.comZopa partnered with Triver to offer Triver's Cashflow Streaming to Zopa merchants who invoice other businesses: unpaid invoices advanced as same-day cash, eligibility checked in about 10 seconds, no personal guarantee, and the first £10,000 advanced fee-free for new Triver customers (advances up to 45 days).
linkedin.comLaunched Virtual Cards for travel businesses, powered by Weavr: single-use Visa Commercial Choice Travel cards in GBP and EUR, each tied to a booking, for paying travel suppliers from a bank-funded balance, with rebates paid by Trust Payments. Available to eligible travel businesses in the UK and EEA.
linkedin.comLaunched ING eSIM with Gigs: customers buy global travel data inside the ING app, live first in the Netherlands, with Poland, Belgium, Germany, Italy, Spain, Romania, Turkey and Australia to follow. Part of ING's new tiered subscription model combining everyday banking with lifestyle benefits.
fortune.comStanhope Financial (SH Financial), a provider of IBAN accounts, card programmes and cross-border payments to fintechs, crypto exchanges and global businesses, went live on Paysend Instant Settlement Accounts: local collection, safeguarded multi-currency balances, real-time FX and instant payouts, so pre-funding arrives at the destination just in time (e.g. SWIFT payouts into the UAE).
linkedin.comAdded Flowpay's SME financing to Fidoo Marketplace in the Czech Republic and Slovakia: Fidoo customers find and apply for working capital inside Fidoo, with no redirects or paperwork, and Flowpay runs risk assessment, the application and funding.
linkedin.comLaunched Remote Expense Cards, a module of Remote EOR: companies issue eligible EOR employees virtual cards with per-person limits and merchant rules, and every card transaction is recorded in Remote Expenses alongside employment data. No platform or per-card fee.
prnewswire.comLaunched Stripe Treasury business accounts in the UK: UK businesses can hold multicurrency balances with no minimums or monthly fees, use settled payments immediately, spend with cashback cards, send free instant transfers to other Stripe businesses and pay out to 160+ countries, built by teams in London, Bucharest and Dublin.
linkedin.comLaunched card cashback for Accountable Banking users in Belgium: 0.5% on card payments (up to €120 a year), and for Max-plan users 5% on one chosen spending category plus 0.5% on the rest (up to €300 a year). Accountable says it is sharing the revenue it earns from card usage with users.
linkedin.comUber added Revolut Pay as a checkout method in Uber and Uber Eats across the UK, the EEA (except Bulgaria, Cyprus, Latvia and Slovenia), Switzerland and Norway: account-to-account payment authorised in the Revolut app and saved in Uber Wallet, with RevPoints redeemable at checkout. Uber VP Global Commerce Karl Hebert announced it as an expansion of the two companies' partnership.
thepaypers.comNexi agreed to sell Ratepay, the German pay-by-invoice (Rechnungskauf) provider for DACH merchants, to Affirm; terms were not disclosed and closing is expected in H1 2027, subject to regulatory approval. Nexi and Affirm also signed an MoU to widen their DACH partnership, and Nexi will support the transition.
thepaypers.comConnectPay launched virtual accounts for licensed financial institutions: EMIs, payment institutions and specialised banks can give each business customer a dedicated vIBAN in that customer's name, connected to their master account at ConnectPay, so incoming payments are matched to the right customer and pass Verification of Payee name checks.
linkedin.comEmbat integrated J.P. Morgan Payments' Banking Authorization Service (BAS) API, so joint clients connect their J.P. Morgan accounts to Embat's treasury platform by signing an authorisation instead of a months-long certificate process. Embat uses its own certificates and one multi-tenant connection covers every entity; real-time balances, transactions and payment data flow into Embat and on to the ERP.
tradetreasurypayments.comLaunched the Finmo Business Account, a multi-currency account for cross-border SMEs (collect in 45+ currencies with local details in the company's own name, hold 27+, pay to 195+ countries), provided under Finmo's own 11 licences across eight markets, including a MAS Major Payment Institution licence, rather than on another company's platform. It is also a module in Finmo Treasury, so Treasury users can convert and pay from the same place they see their cash position.
financialit.netApproved · Final OCC approval (Coinbase announcement) · 2026-11-06 — Coinbase National Trust Company, national trust bank, OCC. Migrates institutional custody from the NYDFS-chartered Coinbase Custody Trust Company to a federal trust bank over the three-year de novo period. [charter]
coinbase.comAnnounced Spending Pockets and more Savings Goals, its customers' top requests: up to 25 of each, with Spending Pockets carrying their own account number and virtual card, and goals a target amount and optional date.
linkedin.comAnnounced POHODA, mPOHODA and mKasa will be ready for Czech EET 2.0 (reinstated electronic sales reporting) at no extra fee.
stormware.czAdded ingestion of NAV receipt-data-service records into the TAXA single-entry program.
novitax.huPublished a banks and card issuers offer: the points-or-cash award calendar embedded in a bank's app, showing two months of award seats the cardholder's points can reach, priced against the cash fare, with a hand-off to the bank's points transfer. No bank customer named yet.
pointsorcash.app€228M financing package: €100M Coface factoring, €40M EIB venture debt, €15M cflox/Deutsche Bank SCF, €73M equity from Scania and Poste Italiane
sennder.comEach item is a dated development on the dossier of a company the Index tracks, linked to its announcement where the dossier recorded one. It is not every embedded finance announcement of the month. Deals between two tracked companies are listed once. Kinds are assigned from each announcement’s wording, and deals are ranked by the amount raised or paid, where disclosed.