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Yapily

Provider
Open BankingFX / Payouts

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 40 companies across 2 categories.

yapily.com ↗Also analysed as a company — its own stack →Open Banking Tracker profile ↗
CategoriesOpen Banking, FX / Payouts
Rank#7 of 89 in Open Banking
Buyers40 companies
HeadquartersLondon, United Kingdom
Founded2017
FoundersStefano Vaccino
Raised$69M (as of Series B, 2021)

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Founders & story · from Yapily’s own dossier

Yapily is a UK-founded PSD2 open banking infrastructure provider that deliberately positions itself as API-only (no branded UI), competing against Tink, TrueLayer and Plaid on connectivity depth and white-label delivery. It operates two regulated subsidiaries — Yapily Connect Ltd in the UK (FCA) and Yapily Connect UAB in Lithuania (Bank of Lithuania) — to passport AIS/PIS coverage across the UK and EU. Yapily itself is the vendor in this category, so downstream stack fields (BaaS, card issuing, payroll, etc.) do not apply.

Latest round: Series B, 2021
Full dossier: Yapily’s own stack, layer by layer →
Who uses Yapily
40 companies disclose Yapily in their stack
Allica BankCommerzbankAlipayKashflowSuper PaymentsNationwideNatwestKBCKBC BankTesco BankCrezcoSoldo+28 more
Buyer mix · 40 of 40 classified
Bank / National · 13Fintech / Consumer banking · 3Fintech / SMB banking · 3Horizontal SaaS / Accounting · 3Infrastructure / Open banking · 3Fintech / Lending · 2Horizontal SaaS / Spend Management · 2Bank / Community · 1
UK · 24EU · 11US · 2APAC · 1LATAM · 1
What the disclosures say
Allica Bank
“Allica's own help page states 'The following details are shared with Yapily Connect when you use our account top up feature' — Yapily provides the open-banking (AIS/PIS) top-up rail.”
Super Payments
“Regulatory footer on every superpayments.com page: 'Card payments and business accounts are powered by Stripe Payments UK Limited.' and 'Open banking payments are powered by Yapily Connect Limited and Modulr FS Limited.' superpayments.com/payouts confirms Stripe for card and Yapily/Modulr for open banking.”
Tesco Bank
“Tesco Bank operates as an ASPSP under UK Open Banking — documented on openbanking.atlassian.net (Implementation Guide), developer.tescobank.com, and supported by 5 API aggregators per Open Banking Tracker; Yapily docs explicitly list Tesco Bank with AIS and PIS scopes.”
Crezco
“Subprocessors list at trustcenter.crezco.com explicitly names 'Yapily Finance' as a subprocessor.”
Soldo
“Separately, Soldo's blog announces 'Yapily and Soldo join forces' — Soldo uses Yapily Payments to let customers top up their Soldo account directly from their business bank account (Soldo as TPP consumer).”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Yapily? Claim this profile above to unlock your own full list.
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What Yapily runs on · from its own dossier
The third-party providers Yapily itself discloses, layer by layer — the vendor as a buyer. Distinct from the companies above that disclose Yapily.
PSP
checkout
Spend / AP
Pleo
Transaction Enrichment
Ntropy
KYC
ComplyAdvantage
Fraud
ComplyAdvantage
Full dossier with evidence for each layer →
Alternatives to Yapily

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.

Plaid296 buyers →Salt Edge60 buyers →GoCardless57 buyers →MX56 buyers →Tink43 buyers →TrueLayer43 buyers →Powens19 buyers →Yodlee19 buyers →
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Ranked #7 of 89 in Open Banking — Embedded Finance Index 2026
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Yapily — frequently asked

Which companies use Yapily?

40 companies disclose Yapily in their stack in the Embedded Finance Index 2026, including Allica Bank, Commerzbank, Alipay, Kashflow, Super Payments, Nationwide, Natwest, KBC, KBC Bank, Tesco Bank and 2 others.

What does Yapily do?

Yapily is an embedded-finance provider in Open Banking and FX / Payouts. It ranks #7 of 89 Open Banking providers by disclosed buyers.

What are the alternatives to Yapily?

The most-disclosed Open Banking alternatives to Yapily are Plaid (296 buyers), Salt Edge (60 buyers), GoCardless (57 buyers), MX (56 buyers), Tink (43 buyers) and TrueLayer (43 buyers).

Who founded Yapily?

Yapily was founded by Stefano Vaccino and is founded in 2017, headquartered in London, United Kingdom.

How much funding has Yapily raised?

Yapily has raised $69M (as of Series B, 2021) in total.

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