Embedded finance is the integration of financial services—payments, banking, lending, insurance, cards—directly into non-financial products, apps, and platforms. Instead of sending users to a bank or payment provider, businesses use APIs from specialized embedded finance platforms to deliver these services inside their own experience. Examples include checkout financing inside an e-commerce site, branded debit cards in a gig-economy app, or working-capital loans inside an accounting or vertical SaaS product.

Embedded finance companies and providers typically offer Banking-as-a-Service (BaaS), card issuing, embedded lending, AP/AR, payroll, compliance (KYC/KYB), or a combination. Leading embedded finance platforms include Unit, Marqeta, Stripe Treasury, Kanmon, Monite, and Modern Treasury—each with different strengths by product (BaaS, cards, lending) and region (US, UK, EU).

The Open Banking Tracker maintains a directory of 200+ embedded finance platforms you can filter by category (BaaS, card issuing, lending, payments, payroll, AP/AR, compliance) and geography. See the Embedded Finance directory and the guide on best embedded finance APIs for comparisons and use cases.