Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 9 companies across 2 categories.
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Soldo launched in 2015 as a consumer multi-user spending account, then pivoted to a business-focused prepaid card + spend management platform. Uniquely for the sector, Soldo operates its own regulated e-money institutions in both the UK (FCA) and Ireland (CBI), positioning 'Soldo Financial Services' as full-stack embedded finance rather than relying on third-party BaaS providers like Modulr or Railsr. Recent product expansion into bank transfers reflects the broader spend management category's move beyond cards into AP/bill pay.
Other Spend / AP 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 #9 of 74 in Spend / AP — Embedded Finance Index 2026">
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<img src="https://www.embeddedfinanceindex.com/api/badge/soldo/install" width="1" height="1" alt="" style="display:none">9 companies are linked to Soldo in the Embedded Finance Index 2026, through their own public disclosures or Soldo's published customer list, including Form3, Northampton SU, Sofidel, Featurespace, Fremantle Uk, Nhbc Expense Transformation, AccountsIQ, Biesse and Northampton Students Union.
Soldo is an embedded-finance provider in Spend / AP and Card Issuing. It ranks #9 of 74 Spend / AP providers by linked companies.
The most-named Spend / AP alternatives to Soldo are BILL (40 buyers), Brex (38 buyers), Ramp (27 buyers), Tipalti (19 buyers), Pleo (14 buyers) and findity (11 buyers).
Soldo was founded by Carlo Gualandri and is founded in 2015, headquartered in London, UK.
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