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Aspire

Provider
FX / PayoutsSpend / APCard Issuing

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 2 companies across 3 categories.

aspire.com ↗Also analysed as a company — its own stack →
CategoriesFX / Payouts, Spend / AP, Card Issuing
Rank#30 of 74 in Spend / AP
Buyers2 companies
HeadquartersSingapore
Founded2018
FoundersAndrea Baronchelli
Raised$200M+ (disclosed)

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Founders & story · from Aspire’s own dossier

Founded 2018 in Singapore as a finance platform for SMEs in Southeast Asia, Aspire built a multi-currency account + corporate card + spend management stack on top of safeguarded Tier-1 bank accounts (DBS, Citi, JPMorgan). After the 2023 Series C, it pursued global licensing — AFSL in Australia, EMI in EU, and US entry via Column N.A. as sponsor bank — moving from regional SME challenger to a multi-jurisdictional financial OS. The recent launch of AspireOS positions the company as an embedded-finance infrastructure provider for banks and platforms, layering API-based banking, cards, and payouts on top of its own regulated rails.

Latest round: Series C, 2023
Recent developments
  • 2025-12Announced AFSL (Australia), EMI (EU), and US licenses source ↗
  • 2025-11Aspire US privacy notice effective, US business account via Column N.A. source ↗
  • 2026-10-26Launched AspireBooks, AI-powered accounting built into the Aspire platform: books update as card, bill and invoice transactions post, AI agents categorise, apply tax treatment and reconcile (including third-party bank accounts), with multicurrency books and an MCP-linked Q&A feature. Singapore first at S$39/month, with Singapore Accountants as founding accounting partner. source ↗
  • 2025-12Launched Wise Platform-powered international payments in Hong Kong (40+ currencies). source ↗
Full dossier: Aspire’s own stack, layer by layer →
Who uses Aspire
2 companies disclose Aspire in their stack
SleekHipVan
Buyer mix · 2 of 2 classified
E-commerce / Retail · 1Vertical SaaS / Corporate Services (Incorporation, Accounting, Compliance) · 1
APAC · 2
What the disclosures say
Sleek
“Partners with Airwallex and Aspire (HK) and Countingup (UK). https://sleek.com/sg/business-account/ , https://sleek.com/hk/sleek-banking-solutions/ , https://sleek.com/uk/”
View source · sleek.com ↗
HipVan
“Aspire case study: HipVan uses Aspire Card and finance platform for expense management.”
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What Aspire runs on · from its own dossier
The third-party providers Aspire itself discloses, layer by layer — the vendor as a buyer. Distinct from the companies above that disclose Aspire.
PSP
Stripe
Sponsor Bank
Column
BaaS
Column
FX / Payouts
Wise Platform
Open Banking
Plaid
FX API
Wise Platform
Full dossier with evidence for each layer →
Alternatives to Aspire

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

BILL40 buyers →Brex38 buyers →Ramp27 buyers →Tipalti19 buyers →Pleo14 buyers →findity11 buyers →Melio10 buyers →Pliant9 buyers →
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An embeddable badge for Aspire’s own site — it always shows this page’s current rank, so it stays accurate as new disclosures land. States its own denominator; never claims a number this page doesn’t.

Ranked #30 of 74 in Spend / AP — Embedded Finance Index 2026
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Aspire — frequently asked

Which companies use Aspire?

2 companies are linked to Aspire in the Embedded Finance Index 2026, through their own public disclosures or Aspire's published customer list, including Sleek and HipVan.

What does Aspire do?

Aspire is an embedded-finance provider in FX / Payouts, Spend / AP and Card Issuing. It ranks #30 of 74 Spend / AP providers by linked companies.

What are the alternatives to Aspire?

The most-named Spend / AP alternatives to Aspire are BILL (40 buyers), Brex (38 buyers), Ramp (27 buyers), Tipalti (19 buyers), Pleo (14 buyers) and findity (11 buyers).

Who founded Aspire?

Aspire was founded by Andrea Baronchelli and is founded in 2018, headquartered in Singapore.

How much funding has Aspire raised?

Aspire has raised $200M+ (disclosed) in total.

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