← Embedded Finance Index 2026/Vendor

Treezor

Provider

BaaS PSP Card Issuing Sponsor Bank

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 14 companies across 4 categories.

treezor.com ↗Also analysed as a company — its own stack →Open Banking Tracker profile ↗

CategoriesBaaS, PSP, Card Issuing, Sponsor Bank
Rank#29 of 322 in BaaS
Buyers14 companies

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In the press

embeddedfinancereview.com ↗

Coverage of Treezor sourced from Embedded Finance Review — a content partner for this report. All articles are © their original authors; click any card to open the source.

◇ article2026-02-03

Shares eyes Treezor, HSBC adds accounting

Shares in exclusive talks to acquire Treezor from Société Générale. HSBC launches embedded accounting with Sage. Plus: Mastercard's new BIN Sponsor programme.

Source · Embedded Finance Review ↗

◇ article2026-01-30

Shares enters exclusive talks to acquire Treezor from Société Générale

French investment fintech Shares enters exclusive negotiations to buy Treezor, the BaaS platform that helped launch Qonto, Lydia, and Swile.

Source · Embedded Finance Review ↗

Who uses Treezor

14 companies disclose Treezor in their stack

Cashbee Upflow Veracash Skipr Tiime Xaalys Coinhouse Finense Swile Lydia IDEMIA Retreeb+2 more

Buyer mix · 14 of 14 classified

Fintech / Consumer banking · 3Fintech / Investment · 2Fintech / Crypto · 1Fintech / Neobank · 1Fintech / SMB banking · 1Horizontal SaaS / Accounting · 1Infrastructure / Card issuing · 1Vertical SaaS / Accounting · 1

EU · 13

What the disclosures say

Cashbee

“It holds an ACPR payment institution license to facilitate fund transfers between users' bank accounts and savings vehicles via Treezor's virtual wallet.”

Upflow

“treezor.com publicly lists Upflow as a customer (TIER 1 known_customer_listing).”

Veracash

“Veracash regulatory footer and legal notice: 'Veracash acts as a payment services agent for Treezor SAS, an electronic money institution approved by the ACPR under number 16798.' Legal notice: 'The Veracash MasterCard is issued by Treezor SAS.' Treezor also lists Veracash as a customer on treezor.com.”

Skipr

“Skipr's own terms page states: 'Skipr SA is registered by the ACPR as agent of Treezor SAS… as electronic money institution approved by the ACPR under number 16798.' The privacy page and footer across all skipr.co pages identify Skipr as 'payment services agent of the electronic money institution Treezor'.”

Tiime

“Treezor publicly lists Tiime as a customer on its own website (treezor.com), confirming Treezor as the BaaS/e-money issuer behind the Tiime pro account.”

Xaalys

“treezor.com publicly lists Xaalys as a customer.”

The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Treezor? Claim this profile above to unlock your own full list.

Alternatives to Treezor

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.

Evolve Bank & Trust70 buyers →Sutton Bank63 buyers →Cross River55 buyers →Pathward48 buyers →Unit43 buyers →ClearBank38 buyers →Thread Bank32 buyers →Backbase30 buyers →

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