Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 4 companies across 1 category.
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Founded in 2020, Array started as a developer of white-label, API-driven credit health and identity monitoring tools for financial institutions and fintechs. The company built a platform enabling banks, credit unions, and digital brands to embed consumer-facing credit monitoring, identity protection, and financial wellness products under their own brand. In 2026, Array accelerated expansion into broader consumer financial wellness through acquisitions of Chimney (home value and financial calculators) and Penny Finance (financial planning and education), positioning itself as a comprehensive embedded fintech products platform rather than a single-feature credit API vendor.
Other Unified Payroll/HRIS providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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<img src="https://www.embeddedfinanceindex.com/api/badge/array/install" width="1" height="1" alt="" style="display:none">4 companies are linked to Array in the Embedded Finance Index 2026, through their own public disclosures or Array's published customer list, including Magnolia Federal Credit Union, Brigit, Beem and LegalPRO Systems.
Array is an embedded-finance provider in Unified Payroll/HRIS. It ranks #9 of 23 Unified Payroll/HRIS providers by linked companies.
The most-named Unified Payroll/HRIS alternatives to Array are Finch (48 buyers), Apideck (9 buyers), Argyle (8 buyers), Atomic (7 buyers), Remote (7 buyers) and Merge (6 buyers).
Array is founded in 2020 and headquartered in Boca Raton, FL, USA.
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