Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 9 companies across 3 categories.
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Vodeno was founded in 2018 in Warsaw as a cloud-native core banking technology provider, building the Vodeno Cloud Platform (VCP) — an API-first, smart-contract-enabled core. It paired its tech with sister company Aion Bank to deliver true BaaS (tech + licence) across the EEA. In 2024 both Vodeno and Aion were acquired by UniCredit, repositioning the platform as UniCredit's BaaS arm; in 2025 UniCredit extended this with a strategic investment in Banxware to build embedded SME lending on the Aion/Vodeno rails.
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/vodeno/install" width="1" height="1" alt="" style="display:none">9 companies disclose Vodeno in their stack in the Embedded Finance Index 2026, including Banxware Transitions, NatWest Box, UniCredit, Wealthon, NatWest Boxed, Banxware Partnership, Bankable, Unitplus and Metro AG.
Vodeno is an embedded-finance provider in BaaS, Ledger and Card Issuing. It ranks #53 of 347 BaaS providers by disclosed buyers.
The most-disclosed BaaS alternatives to Vodeno 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).
Vodeno is founded in 2018 and headquartered in Warsaw, Poland.
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