Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 20 companies across 5 categories.
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OpenPayd launched in 2018 as a BaaS platform offering accounts, virtual IBANs, FX and payment rails to businesses via a single API. In 2020 it made an early bet on serving crypto-native firms — a differentiator that landed clients like Bitfinex, OKX, B2C2 and eToro. It has since layered on Open Banking (2022) and stablecoin on/off-ramp services, positioning itself as a fiat-plus-crypto embedded finance rail operating across UK, EU, Canada and Malta.
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/openpayd/install" width="1" height="1" alt="" style="display:none">20 companies disclose OpenPayd in their stack in the Embedded Finance Index 2026, including Wirex, Nexo, Citizen, Archax, Xago, Faster Fiat, Swissborg, Clarity Global Inc, Hercle, Caxton and 2 others.
OpenPayd is an embedded-finance provider in Sponsor Bank, BaaS, FX / Payouts, Unified FX and Embedded Payments. It ranks #25 of 347 BaaS providers by disclosed buyers.
The most-disclosed BaaS alternatives to OpenPayd are Evolve Bank & Trust (72 buyers), Sutton Bank (64 buyers), Cross River (57 buyers), Pathward (47 buyers), ClearBank (40 buyers) and Thread Bank (35 buyers).
OpenPayd was founded by Ozan Özerk and is founded in 2018, headquartered in London, United Kingdom.
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