← Embedded Finance Index 2026/Vendor

BBVA

Provider

Lending

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 1 company across 1 category.

bbva.com ↗Also analysed as a company — its own stack →

CategoriesLending
Rank#162 of 247 in Lending
Buyers1 company
HeadquartersBilbao, Basque Country, Spain
Founded1857

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Founders & story · from BBVA’s own dossier

BBVA is a 165-year-old Spanish multinational bank that has repositioned itself as a 'digital bank with a banking license,' making technology and data core strategic pillars. Beginning in 2015, BBVA became one of the first incumbent banks globally to launch a public API marketplace, offering open banking APIs as a product rather than purely a compliance exercise. The bank has built a Digital Ecosystems layer (BBVA API Market) that allows fintechs and corporates to embed BBVA banking, lending, accounts, and payments capabilities directly into third-party platforms — essentially operating as a BaaS provider under its own charter rather than white-labeling through a third-party BaaS layer.

Recent developments

2024-11BBVA API Market published content on B2B BNPL landscape and its own Click&Pay SME financing product, signaling continued push into embedded lending for business platforms. source ↗
2023-07BBVA published updated General Data Privacy and Protection Policy covering its international group operations. source ↗
2026-09BBVA joined a 21-institution global consortium (including Citi, Bank of America, Goldman Sachs, Banco Santander, Deutsche Bank, Lloyds Banking Group, UBS, MUFG) to establish a company launching USD-denominated stablecoins in H1 2027, expanding to additional G7 currencies with EUR prioritized. source ↗

Full dossier: BBVA’s own stack, layer by layer →

Who uses BBVA

1 company disclose BBVA in their stack

Habi

What the disclosures say

Habi

“Habi's home page mentions 'Habi Credit' for mortgage origination but this is facilitated through partner banks (Bancolombia, BBVA), not a BaaS product.”

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

What BBVA runs on · from its own dossier

The third-party providers BBVA itself discloses, layer by layer — the vendor as a buyer. Distinct from the companies above that disclose BBVA.

PSP

Redsys Servicios de Procesamiento S.L

Full dossier with evidence for each layer →

Alternatives to BBVA

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

Affirm62 buyers →Klarna46 buyers →YouLend44 buyers →Mambu34 buyers →Stripe Capital30 buyers →Wisetack27 buyers →Liberis20 buyers →finmid16 buyers →

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<a href="https://www.embeddedfinanceindex.com/vendors/bbva?ref=badge">
  <img src="https://www.embeddedfinanceindex.com/api/badge/bbva.svg"
       alt="Ranked #162 of 247 in Lending — Embedded Finance Index 2026">
</a>
<img src="https://www.embeddedfinanceindex.com/api/badge/bbva/install" width="1" height="1" alt="" style="display:none">

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