Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 44 companies across 2 categories.
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Founded in 2016 as a bank API aggregator enabling developers to access financial data, TrueLayer pivoted from pure data/AIS infrastructure toward becoming a payments network. The acquisition of Zimpler accelerated its European footprint and Pay by Bank transaction volume. By 2024–2025, TrueLayer had repositioned as 'Europe's leading Pay by Bank network', handling ~47% of all UK Pay by Bank transactions and $116B in annualised payment volume, with its embedded finance angle being the provision of open banking payments infrastructure (PIS/AIS/VRP) to merchants, fintechs, and enterprise clients including Amazon and Stripe.
Other Open Banking 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/truelayer/install" width="1" height="1" alt="" style="display:none">44 companies disclose TrueLayer in their stack in the Embedded Finance Index 2026, including Freetrade, Codat, Moonrise, Atlar, Mogoplus, Sumup, Hammock, Curve, OakNorth, Tesco Bank and 2 others.
TrueLayer is an embedded-finance provider in Open Banking and PSP. It ranks #6 of 89 Open Banking providers by disclosed buyers.
The most-disclosed Open Banking alternatives to TrueLayer are Plaid (296 buyers), Salt Edge (60 buyers), GoCardless (56 buyers), MX (56 buyers), Tink (43 buyers) and Yapily (40 buyers).
TrueLayer was founded by Francesco Simoneschi and Luca Martinetti and is founded in 2016, headquartered in London, England, UK.
TrueLayer has raised $321.4M in total.
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