Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 5 companies across 2 categories.
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Monavate is a UK/Lithuania-based regulated card issuing and BIN sponsorship platform, positioned as a principal member of Mastercard, Visa and Discover offering issuing, virtual IBANs, multi-currency accounts and program management under a single regulated perimeter. The company is best known as the launch partner behind Zilch's BNPL card, and has expanded into Web3 (Baanx), travel, insurance and media-buyer verticals. A November 2025 merger involving W3C signals a strategic push deeper into on-chain payments and stablecoin settlement.
Other Card Issuing 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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alt="Ranked #41 of 227 in Card Issuing — Embedded Finance Index 2026">
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<img src="https://www.embeddedfinanceindex.com/api/badge/monavate/install" width="1" height="1" alt="" style="display:none">5 companies are linked to Monavate in the Embedded Finance Index 2026, through their own public disclosures or Monavate's published customer list, including Connexpay, Funding Circle, Swissborg, Maps Me and Coverflex.
Monavate is an embedded-finance provider in Card Issuing and Sponsor Bank. It ranks #41 of 227 Card Issuing providers by linked companies.
The most-named Card Issuing alternatives to Monavate are Marqeta (66 buyers), Stripe Issuing (32 buyers), Enfuce (25 buyers), Paymentology (23 buyers), Sutton Bank (21 buyers) and Pliant (20 buyers).
Monavate was founded by Michael Rolph and Scott Lucas and is founded in 2020, headquartered in Duxford, Cambridge, England, UK.
Monavate has raised $6.86M in total.
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