Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 3 companies across 2 categories.
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Founded in 1784 as the Bank of New York, the institution evolved through centuries of banking history before the landmark 2007 merger with Mellon Financial created BNY Mellon, one of the world's largest custody banks with over $40 trillion in assets under custody. The company has progressively layered embedded finance infrastructure on top of its core custody and clearing business — launching BaaS solutions, open banking products (Bankify/Trustly), cross-border payments (SmartPay Global), and partnering with fintechs like Vestwell for retirement and Xceptor for tax processing. BNY is now positioning itself as both a direct financial services provider and an infrastructure partner for fintechs and enterprises seeking bank-grade rails.
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.
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<img src="https://www.embeddedfinanceindex.com/api/badge/bny-mellon/install" width="1" height="1" alt="" style="display:none">3 companies are linked to BNY Mellon in the Embedded Finance Index 2026, through their own public disclosures or BNY Mellon's published customer list, including Janney, Spiko and Circle.
BNY Mellon is an embedded-finance provider in BaaS and Crypto Custody. It ranks #107 of 340 BaaS providers by linked companies.
The most-named BaaS alternatives to BNY Mellon are Evolve Bank & Trust (71 buyers), Sutton Bank (63 buyers), Cross River (56 buyers), Pathward (48 buyers), ClearBank (39 buyers) and Thread Bank (35 buyers).
BNY Mellon is founded in 1784 and headquartered in 240 Greenwich St, New York, NY 10286, USA.
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