Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 12 companies across 2 categories.
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Qonto was founded in 2016 as a business banking challenger for European SMEs and freelancers, operating on its own French ACPR payment institution license rather than a BaaS partner. After the $552M 2022 Series D at a $5B valuation, it broadened from account + card into a full finance suite (invoicing, bill pay, expense management, embedded credit). In 2025 it launched Qonto Embed — a grey-label banking product — turning itself into an infrastructure provider (Mollie is the flagship customer). In 2026 it repositioned as an 'AI-native fintech' with in-app agents and an MCP server that lets ChatGPT/Claude/Cursor talk to the business account directly.
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/qonto/install" width="1" height="1" alt="" style="display:none">12 companies are linked to qonto in the Embedded Finance Index 2026, through their own public disclosures or qonto's published customer list, including ProSaldo.net, Antiboringcontentclub, Powens, Kalios, Ongrid, Lewagon, Chift, Alan, AccountsOS, Penta and 2 others.
qonto is an embedded-finance provider in BaaS and Spend / AP. It ranks #32 of 340 BaaS providers by linked companies.
The most-named BaaS alternatives to qonto are Evolve Bank & Trust (71 buyers), Sutton Bank (63 buyers), Cross River (56 buyers), Pathward (48 buyers), ClearBank (39 buyers) and Thread Bank (35 buyers).
qonto was founded by Alexandre Prot and Steve Anavi and is founded in 2016, headquartered in Paris, France.
qonto has raised ~€686 million+ in total.
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