Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 4 companies across 5 categories.
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Sila was founded by Shamir Karkal, co-founder of Simple (the original US neobank, sold to BBVA in 2014), as a payments infrastructure-as-a-service business. Rather than building another consumer fintech, Karkal pivoted to the infrastructure layer — providing ACH rails, digital wallets, KYC/KYB compliance, and the SilaUSD stablecoin as an API platform for fintech developers. Sila operates as an agent of financial depository institutions, enabling B2B customers to embed banking and payments without holding their own licenses.
Full dossier: Sila’s own stack, layer by layer →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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alt="Ranked #214 of 347 in BaaS — Embedded Finance Index 2026">
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<img src="https://www.embeddedfinanceindex.com/api/badge/sila/install" width="1" height="1" alt="" style="display:none">4 companies disclose Sila in their stack in the Embedded Finance Index 2026, including NALA, Emerald Wallet, Funneldash and Corpay.
Sila is an embedded-finance provider in PSP, BaaS, Crypto / Stablecoin, Card Issuing and FX / Payouts. It ranks #214 of 347 BaaS providers by disclosed buyers.
The most-disclosed BaaS alternatives to Sila 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).
Sila was founded by Shamir Karkal and is headquartered in Portland, OR, USA (1022 NW Marshall Street, Suite 480, Portland, OR 97209).
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