Lightspark

United States

Global money movement infrastructure founded by ex-PayPal president David Marcus. Its Grid API/SDK and Spark Bitcoin Layer 2 let platforms send, receive and settle value in real time across fiat, stablecoins and bitcoin over rails including the Lightning Network, SWIFT, ACH, SEPA, FedNow and RTP.

Kota

Ireland

Dublin-based embedded employee benefits platform and API that lets HR, payroll and vertical SaaS platforms offer pensions, health insurance, life assurance and flexible benefits in-product. Regulated by the Central Bank of Ireland, Kota connects insurers and pension providers directly to HRIS and payroll systems, replacing traditional brokers and manual admin. Formerly Yonder; raised a €12.8M Series A led by Eurazeo in 2025 (≈$22.9M total funding).

Ryft

United Kingdom

Manchester-based, FCA-authorised payment facilitator and embedded payments provider for marketplaces, platforms and omnichannel retailers. Ryft lets platforms accept card payments, Apple Pay and Google Pay online and in person, onboard and KYC/AML-verify sub-merchants, automate split payments with custom commissions, and monetise the transactions they process — positioned as a lower-fee, faster-payout alternative to Stripe Connect. FCA Authorised Payment Institution (ref. 972895), PSD2 compliant and PCI DSS Level 1 certified. Raised a £5M Series A led by Edenbase in 2025.

bunq

Netherlands

bunq-as-a-Service opens the European neobank's banking infrastructure to mid-size and enterprise companies. Built on bunq's own EU banking license, it lets partners embed bunq IBANs, virtual cards, and instant SEPA payments under their own brand, with deposits protected up to €100,000 under the Dutch Deposit Guarantee Scheme.

Monex

Mexico

Global B2B foreign exchange and cross-border payments provider. Monex Pay lets businesses and platforms transact in 130+ currencies across nearly 1,000 currency pairs, with an Open API and ERP connectors to embed international and domestic payments, FX hedging, and mass payments into their own systems.

KOHO

Canada

KOHO Enterprise is the embedded-finance/BaaS arm of Canadian neobank KOHO. A modular platform for launching branded financial products — white-label card issuing, payments (Interac e-Transfer, direct deposit, P2P), credit/lending, and KYC/AML — via an API partner gateway, backed by technology trusted by 2M+ users.