Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 5 companies across 3 categories.
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Founded in 2017 as an enterprise-class cloud-native core banking platform, Finxact positioned itself as a modern, API-first system of record and transaction processing engine agnostic to asset classes, currencies, and time zones. The company targeted financial institutions, fintechs, and commerce brands seeking to modernize legacy core banking infrastructure. Following its acquisition by Fiserv in February 2022, Finxact became Fiserv's flagship cloud-native core banking product, enabling Fiserv to offer a modern core as part of its broader embedded finance and banking transformation suite. The platform now serves as a blueprint for community banks looking to power embedded banking strategies.
Other Ledger 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/finxact/install" width="1" height="1" alt="" style="display:none">5 companies disclose Finxact in their stack in the Embedded Finance Index 2026, including Live Oak Bank, Metropolitan Commercial Bank, Pay Theory, Anatomy Financial and Thread Bank.
Finxact is an embedded-finance provider in Ledger, BaaS and Card Issuing. It ranks #7 of 24 Ledger providers by disclosed buyers.
The most-disclosed Ledger alternatives to Finxact are Modern Treasury (35 buyers), Mambu (12 buyers), Formance (11 buyers), Layer (7 buyers), Temenos (7 buyers) and Thought Machine (7 buyers).
Finxact is founded in 2017 and headquartered in Jacksonville, Florida, United States.
Finxact has raised $76.34M in total.
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