← Embedded Finance Index 2026/Vendor

BNY Mellon

Provider
BaaSCrypto Custody

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

bnymellon.com ↗Also analysed as a company — its own stack →
CategoriesBaaS, Crypto Custody
Rank#103 of 322 in BaaS
Buyers3 companies
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Who uses BNY Mellon
3 companies disclose BNY Mellon in their stack
JanneySpikoCircle
Buyer mix · 3 of 3 classified
Fintech / Crypto · 1Fintech / Investment · 1Fintech / Treasury (Money Market Funds) · 1
US · 2EU · 1
What the disclosures say
Janney
“Janney Advantage Terms and Conditions PDF (https://www.janney.com/docs/default-source/client-resources-disclosures/disclosures-agreements-by-account-type/cash-management/janney-advantage-terms-conditions.pdf) states: 'Bank and BNY Mellon: Bank is responsible for issuing the Cards and Checks hereunder.”
View source · janney.com ↗
Spiko
“Spiko's 'Our Partners' help center page names CACEIS Bank (Crédit Agricole subsidiary) as depositary/custodian of all Spiko fund assets, BNY Mellon as US sub-custodian for US Treasury bills, and JPMorgan Chase as USD correspondent bank for CACEIS.”
Circle
“BNY Mellon listed as customer at bankingembedded.com/companies/circle (TIER 1 known_customer_listing); Circle Mint User Agreement and product pages on circle.com; Wikipedia confirms USDC, EURC, USYC products; Wallets page at circle.com/wallets.”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent BNY Mellon? Claim this profile above to unlock your own full list.
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Alternatives to BNY Mellon

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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Ranked #103 of 322 in BaaS — Embedded Finance Index 2026
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