← Embedded Finance Index 2026/Vendor

Alpaca

Provider

BaaS Crypto / Stablecoin Lending

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 4 companies across 3 categories.

alpaca.com ↗Also analysed as a company — its own stack →Open Banking Tracker profile ↗

CategoriesBaaS, Crypto / Stablecoin, Lending
Rank#98 of 322 in BaaS
Buyers4 companies

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Who uses Alpaca

4 companies disclose Alpaca in their stack

Gotrade Bloom Composer Sarwa

What the disclosures say

Gotrade

“Gotrade Help Center article: 'For every share (or fraction of it) held by you on Gotrade, there is a corresponding share held by Valbury in a segregated brokerage account at Alpaca Securities LLC.' Gotrade app page confirms Alpaca Securities LLC is FINRA-licensed broker-dealer.”

Bloom

“bloomapp.com/faq: 'Our brokerage services are provided by Alpaca Securities LLC ("Alpaca"), member FINRA/SIPC'. bloomapp.com/terms: 'Brokerage accounts for Bloom clients are established at Alpaca Securities, LLC'.”

Composer

“help.composer.trade/article/174: 'Securities and cash owned by Composer Securities users are held by Alpaca Securities LLC and Apex Clearing Corporation.' Composer Securities LLC is the registered broker-dealer; Alpaca and Apex serve as clearing partners.”

Sarwa

“help.sarwa.co article on FPSL: 'By enrolling in the FPSL program, you have the ability to earn monthly interest payments by lending out your fully paid eligible US securities to borrowers via our brokerage partner, Alpaca.'”

The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Alpaca? Claim this profile above to unlock your own full list.

Alternatives to Alpaca

Other BaaS providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

Evolve Bank & Trust70 buyers →Sutton Bank63 buyers →Cross River55 buyers →Pathward48 buyers →Unit43 buyers →ClearBank38 buyers →Thread Bank32 buyers →Backbase30 buyers →

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