Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 20 companies across 6 categories.
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Founded in 2016 as Railsbank, the company became one of Europe's flagship BaaS providers and hit ~$1B valuation in 2021. It rebranded to Railsr in 2022 but collapsed in 2023, entering a pre-packaged bankruptcy and selling to an investor consortium for under $1M after raising $187M. Under new ownership (Embedded Finance Ltd), Railsr combined with Equals Money in 2025 to form 'Equals Money x Railsr', repositioning as a regulated EMI/PI focused on multi-currency accounts, card issuing, and stablecoin payment acceptance. The FCA has restricted onboarding of new agents/distributors without prior written consent — a material constraint on growth.
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/railsr.svg"
alt="Ranked #23 of 347 in BaaS — Embedded Finance Index 2026">
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<img src="https://www.embeddedfinanceindex.com/api/badge/railsr/install" width="1" height="1" alt="" style="display:none">20 companies disclose Railsr in their stack in the Embedded Finance Index 2026, including Maslife, Yimba, Bloxley, Mind, Aazzur, Sodexo Engage, Railsbank, Toqio, Featurespace, Chipper Cash and 2 others.
Railsr is an embedded-finance provider in BaaS, Card Issuing, FX / Payouts, Lending, Ledger and PSP. It ranks #23 of 347 BaaS providers by disclosed buyers.
The most-disclosed BaaS alternatives to Railsr 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).
Railsr was founded by Nigel Verdon and is founded in 2016, headquartered in London, United Kingdom.
Railsr has raised $187M (pre-bankruptcy) in total.
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