Nubank's embedded-finance stack

“Can a Brazilian credit-card-first neobank become a pan-Americas financial OS — extending from consumer banking through SME credit, payments acceptance, and a US national bank charter?”

11 layers disclosed

Payments / PSP
Nu Pagamentos (in-house acquirer/issuer), Zoop (Tap to Pay and Link de Pagamento processing partner), NuPay (self-operated closed-loop payment arrangement)
Money movement
In the Index's full report
Banking / BaaS
In the Index's full report
Card issuing
In the Index's full report
Card network
In the Index's full report
Lending
In the Index's full report
Insurance
In the Index's full report
Open banking
In the Index's full report
Unified APIs
In the Index's full report
FX & payouts
In the Index's full report
Investing
In the Index's full report

19 more providers across 10 layers are in the Index's full report.

Full profile on the Embedded Finance Index ↗

From the Embedded Finance Index, which maps the providers behind each company's embedded-finance products from public disclosures.

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