Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 1 company across 1 category.
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Qolo was founded in 2018 by a team of payments veterans (ex-Marqeta, Green Dot, Blackhawk, FIS) with the thesis that BaaS-era card programs were being built on fragmented stacks — separate issuer, processor, ledger and money-movement vendors bolted together. Qolo's differentiation is native card issuing + processing sitting on its own real-time embedded ledger (Quantum Ledger) and program-management engine (Sparq), sold to banks, fintechs and vertical SaaS as an alternative to middleware BaaS. In July 2026 the company was acquired by CSI (Computer Services, Inc.), a US community/regional bank core provider, positioning Qolo as CSI's embedded finance and commercial banking modernization arm.
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 #199 of 227 in Card Issuing — Embedded Finance Index 2026">
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<img src="https://www.embeddedfinanceindex.com/api/badge/qolo/install" width="1" height="1" alt="" style="display:none">1 company is linked to Qolo in the Embedded Finance Index 2026, through their own public disclosures or Qolo's published customer list, including White_bluebanc.
Qolo is an embedded-finance provider in Card Issuing. It ranks #199 of 227 Card Issuing providers by linked companies.
The most-named Card Issuing alternatives to Qolo are Marqeta (66 buyers), Stripe Issuing (32 buyers), Enfuce (25 buyers), Paymentology (23 buyers), Sutton Bank (21 buyers) and Pliant (20 buyers).
Qolo was founded by Patricia Montesi, Darren Beyer, Robert Pincus and Steven Bishop and is founded in 2018, headquartered in Fort Lauderdale, FL, USA.
Qolo has raised $19M (disclosed) in total.
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