A US lending platform for banks and credit unions, covering commercial, small business and consumer loan origination.
- Infrastructure layers
- Loan origination software
- Products (as published)
- Commercial Lending (Sageworks Lending Software: origination, credit analysis, underwriting, documentation)
Small Business Lending (digital application, document upload, automated decisioning, scoring model)
Consumer Lending
Construction Lending
Agriculture Lending
Community Lending (small banks and credit unions)
Abrigo APX agentic platform for lending (announced July 8, 2026)
View listing →Adyen’s product for onboarding platform users, splitting payments and embedding accounts and cards on its own licence.
- Infrastructure layers
- Embedded payments, PayFac enablement, card issuing
- Products (as published)
- Embedded Payments
Embedded Issuing
Embedded Business Accounts
Adyen Capital
CashOut (instant payouts)
View listing →Anchorage Digital is a crypto platform built on a national trust bank, offering custody and stablecoin issuance.
- Infrastructure layers
- Stablecoin issuance, custody
- Products (as published)
- Stablecoin issuance (mint and burn, reserves, contract deployment)
Custody and self-custody
Trading and financing
Staking
Fiat banking (USD accounts, wires, ACH)
Atlas settlement network
Tokenized deposits
Stablecoin correspondent banking
View listing →A digital origination platform for US mortgages, home equity, consumer loans and deposit accounts.
- Infrastructure layers
- Lending and loan origination
- Products (as published)
- Mortgage Suite
Consumer Banking Suite
Rapid Home Equity
Rapid Home Refi
Blend Autopilot
Blend Platform
View listing →Brale is a licensed money transmitter offering stablecoin issuance, custody and money movement to businesses.
- Infrastructure layers
- Stablecoin issuance, custody
- Products (as published)
- Stablecoin issuance (branded and white label)
Custody (custodial addresses per chain)
Transfers across ACH, wire, RTP and stablecoins
Redemption and payouts
Reconciliation and reporting
View listing →A Stripe company that sells stablecoin APIs for money movement, wallets, cards and branded stablecoin issuance.
- Infrastructure layers
- Stablecoin issuance, stablecoin payments, wallets, cards
- Products (as published)
- Orchestration (stablecoin transfers, on- and off-ramps)
Virtual accounts (USD, EUR, GBP, MXN and more)
Open Issuance (custom stablecoins)
Cards backed by stablecoins
Wallets
View listing →A loan management and servicing system mainly for commercial and business lenders, used as the ledger after origination.
- Infrastructure layers
- Loan servicing
- Products (as published)
- CanopyOS
Canopy Connect
DataDirect
LoanLab
Collateral Management
Canopy Repay (with Moov)
View listing →A point-of-sale financing platform that matches one application to several lenders, also licensed white-label to banks.
- Infrastructure layers
- POS financing, embedded lending
- Products (as published)
- Embedded Lending Platform
The Lending Hub (white-label platform for banks)
Lender network with waterfall matching
Sales App (with Sales App AI)
Post-sale management and analytics
View listing →A nationally chartered US bank that sells accounts, payments, cards and loans to developers through its own APIs.
- Infrastructure layers
- Banking-as-a-service, bank with own APIs
- Products (as published)
- Bank Accounts (FBO, sweep, clearing and custom account types)
Payment Origination (ACH, domestic wires, book transfers)
International Wires
Realtime Payments (FedNow and RTP, request for payment)
Checks (issuing, deposits, lockboxes)
Card Programs (all major networks and issuer processors)
Loans (origination, disbursements, payments)
View listing →A payment processor and payment facilitator that lets platforms embed card and bank payments in the US and Canada.
- Infrastructure layers
- Embedded payments, PayFac enablement
- Products (as published)
- Payments platform
Payouts
Recurring Billing
Merchant Underwriting
View listing →An open-source programmable ledger for fiat and digital assets, with payment connectivity, flows and reconciliation.
- Infrastructure layers
- Ledger infrastructure (open source)
- Products (as published)
- Formance Ledger (open source, MIT license, Numscript)
Connectivity (PSP and bank connectors)
Flows (payment workflows)
Reconciliation
Formance Platform
View listing →A ledger API with a schema-defined chart of accounts, plus card and ACH payments, priced per ledger entry.
- Infrastructure layers
- Ledger infrastructure, payments
- Products (as published)
- Ledger API (GraphQL, schema-defined chart of accounts)
Balance history and reconciliation
Card payments
Next-day and same-day ACH
View listing →A PSP-agnostic payment orchestration platform that runs each merchant on its own dedicated instance.
- Infrastructure layers
- Payment orchestration, tokenization
- Products (as published)
- Payment orchestration (Flow rules: routing, retries, split routing)
Vault (tokenization, PSP tokens, vault forwarding, token import)
Network tokens and Account Updater
3-D Secure (embedded, hosted, native and external pass-through)
Checkout (Embed, Secure Fields, mobile SDKs, e-commerce plugins)
Anti-fraud connections, payouts, payment links
View listing →One platform for card issuing, merchant acquiring, credit and money movement, built on its own ledger.
- Infrastructure layers
- Card issuing, embedded payments
- Products (as published)
- Issuing
Acquiring
Credit
Money Movement (check, wire, ACH, RTP, FedNow, payouts, stablecoin)
Unified Payments and Unified Ledger
View listing →The Encompass mortgage loan origination system, sold by ICE to US banks, credit unions and mortgage lenders.
- Infrastructure layers
- Loan origination software (mortgage)
- Products (as published)
- Encompass (mortgage LOS: origination, processing, underwriting, closing, selling)
Encompass Consumer Connect (borrower point of sale)
Encompass TPO Connect (third-party originators, wholesale and correspondent)
Encompass Investor Connect (delivery to investors)
Encompass Developer Connect (REST APIs, webhooks)
View listing →A payment orchestration and tokenization company formed from IXOPAY and TokenEx, with routing across 200+ PSPs.
- Infrastructure layers
- Payment orchestration, tokenization
- Products (as published)
- Payment orchestration (meta-connector routing, cascading, fallback, load balancing, reconciliation)
TokenEx tokenization (Universal Tokens, network tokens; Core, Connect and Alternative Payments packages)
Risk Management Engine (risk profiles and rules)
Payments Intelligence and IXONav (analytics, anomaly detection)
PCI compliance services (Aperia Compliance, PCI DSS Levels 3 and 4)
Agentic Suite (Payment Agent, MCP Server)
View listing →API-first bank infrastructure for technology companies, now run alongside its own FDIC-insured bank, Increase Bank.
- Infrastructure layers
- Banking-as-a-service, core banking
- Products (as published)
- Bank Accounts
ACH, wires, Real-Time Payments and FedNow
Checks
Cards (programmatic Visa card programs)
Push-to-Card
Sponsor banking (core for banks)
View listing →A Kansas City bank that sells accounts, payments, cards and loans to fintechs through its own REST APIs.
- Infrastructure layers
- Banking-as-a-service, bank with own APIs, card issuing, lending
- Products (as published)
- Accounts (deposit accounts with subledger balances)
Money Movement (ACH, wires, instant payments over FedNow and RTP, internal transfers, blockchain payments)
Card Programs (debit, prepaid and credit on a dedicated BIN across Visa, Mastercard and American Express, with the client's issuer processor)
Credit and Lending (term loans and lines of credit, secured and unsecured)
Digital Assets (USD and stablecoin pay-ins and payouts, on and off ramps, stablecoin-backed cards)
Agentic Finance (scoped account numbers and cards attributed to agents)
View listing →An embedded lending platform that routes US small business applications to a network of more than 75 lenders.
- Infrastructure layers
- Embedded lending, lending marketplace
- Products (as published)
- Lendflow Connect (multi-lender marketplace, widgets, landing pages, unified API)
Lendflow Intelligence (data aggregation and decisioning)
Lendflow Automate (document processing, borrower communications)
Loan types via network lenders: term loans, SBA financing, invoice factoring, MCAs, lines of credit
View listing →A UK-founded embedded finance provider that funds merchant cash advances and other SMB credit through platforms.
- Infrastructure layers
- Embedded lending, revenue-based finance
- Products (as published)
- Working Capital (merchant cash advance)
Flex Capital (line-of-credit style, revenue-based)
Starter Capital (day-one funding)
Pay with Liberis (checkout pay-over-time)
Investment Capital (term loans)
View listing →A developer-focused card issuer processor for credit, debit and prepaid cards, with its own program management option.
- Infrastructure layers
- Card issuing
- Products (as published)
- Card Issuing (credit, debit and prepaid; virtual and physical)
Accounts & Money Movement (ACH, wire, virtual and routable accounts, ledgers)
Lithic Program Management
Processing Only
Fraud & Risk Controls
View listing →An API-first lending core for servicing installment loans, lines of credit and credit cards.
- Infrastructure layers
- Loan servicing, lending and loan origination, credit card ledger
- Products (as published)
- Modern Lending Core
Origination Suite
Servicing Suite
Payments Suite
Collections Suite
Card Issuing Platform (credit card programs)
View listing →A card issuing and processing platform with open APIs, working through US issuing banks and a UK and EEA e-money firm.
- Infrastructure layers
- Card issuing
- Products (as published)
- Card issuing
Processing
Marqeta Program Management
Credit (consumer and commercial)
RiskControl
Tokenization and digital wallets
View listing →A lending and account-opening platform for US community banks, credit unions and mortgage lenders.
- Infrastructure layers
- Lending and loan origination
- Products (as published)
- MeridianLink Consumer
MeridianLink Mortgage
MeridianLink Opening
MeridianLink Insight
MeridianLink One
MeridianLink Pathway
View listing →A payments platform whose Ledgers API keeps double-entry balances for wallets, card programs and FBO accounts.
- Infrastructure layers
- Ledger infrastructure, payment operations
- Products (as published)
- Ledgers (double-entry ledger API, account hierarchies, balance locking, balance monitors, reconciliation)
Payments (ACH, wires, RTP/FedNow, push-to-card, checks, stablecoins)
Accounts and compliance (KYB/KYC, payment accounts through regulated partners)
View listing →Fifth Third Bank’s API platform for payments, cards and deposit accounts, sold directly by the bank.
- Infrastructure layers
- Banking-as-a-service, embedded payments (bank-owned platform)
- Products (as published)
- Payments and transfers (ACH, wires, book transfers, Real-Time Payments; FedNow not yet available)
Cards (commercial credit and prepaid debit, virtual and physical)
Bank accounts (FDIC-insured, when eligibility conditions apply)
View listing →A merchant of record for software and digital product companies, selling to their buyers in its own name.
- Infrastructure layers
- Merchant of record, subscription billing
- Products (as published)
- Merchant of record (payments, sales tax and VAT, fraud, chargebacks, buyer support)
Checkout (embeddable in a website or app)
Subscriptions and billing
Invoicing
Paddle Billing API, webhooks and Paddle.js
SDKs for PHP, Node.js, Go and Python
View listing →White-labeled small-business financing for platforms, with loans from Celtic Bank and cards from Column N.A.
- Infrastructure layers
- Embedded lending
- Products (as published)
- Capital (term and flex loans, merchant cash advance)
Spend (Spend Card)
Pay Over Time
View listing →Paxos is an OCC-chartered national trust bank offering white label stablecoin issuance to payment companies and banks.
- Infrastructure layers
- Stablecoin issuance, custody
- Products (as published)
- Stablecoin issuance (white label assets such as PYUSD)
Global Dollar Network (USDG)
Pax Dollar (USDP) and Pax Gold (PAXG)
Mint and redeem
Custody and wallets
Crypto brokerage
Stablecoin payments
Rewards Engine
View listing →A Berlin payment orchestration platform with workflow-based routing, a PCI DSS Level 1 vault and 100+ integrations.
- Infrastructure layers
- Payment orchestration, tokenization
- Products (as published)
- Payment orchestration (workflow routing, PSP cascade, A/B tests)
Token Vault (PCI DSS Level 1, standalone or with orchestration; proxy to third parties)
Network tokenization and card lifecycle updates
Reconciliation and Fee Monitoring
Chargebacks
Payouts, Payment Links, Unified Analytics, in-person payments
View listing →An embedded capital provider that funds merchant cash advances inside SaaS platforms, payfacs and marketplaces.
- Infrastructure layers
- Embedded lending, revenue-based finance
- Products (as published)
- Pipe Capital (merchant cash advance with multi-draw)
Pipe-hosted, Embedded UI and Capital API integrations
Partner Portal (merchant activity, revenue share, API logs, webhooks)
View listing →A payment orchestration platform that puts several processors, a checkout and no-code routing behind one integration.
- Infrastructure layers
- Payment orchestration
- Products (as published)
- Checkout (Primer Checkout)
Workflows (no-code routing)
Fallbacks
Observability
Reconciliation
Global Accounts
View listing →An open payments orchestration platform with a PCI-compliant card vault and routing across many gateways.
- Infrastructure layers
- Payment orchestration
- Products (as published)
- Connect
Vault
Protect
Optimize
Advanced Vault
View listing →Stripe’s product for platforms and marketplaces to onboard users, take payments for them, split funds and pay out.
- Infrastructure layers
- Embedded payments, PayFac enablement
- Products (as published)
- Connect Onboarding (Stripe-hosted, embedded or API)
Connect embedded components
Instant Payouts
Cross-border payouts
Platform pricing tool
Accounts v2 API
View listing →Q2’s cloud lending platform for non-bank lenders, with origination, servicing, collections and investor management.
- Infrastructure layers
- Loan origination software, loan servicing
- Products (as published)
- Symphonix Loan Origination
Symphonix Lease Origination
Symphonix Loan Servicing
Collections
Investor Management
View listing →A BaaS platform for building accounts, cards and payments on a sponsor bank, with oversight tools for the banks.
- Infrastructure layers
- Banking-as-a-service, card issuing
- Products (as published)
- Synctera APIs (KYC/KYB onboarding, payments, core banking, fraud and transaction monitoring, card issuing and processing)
Synctera Ledger
Synctera Console
White-Label UX Suite
Debit, credit, smart charge and fleet cards
View listing →A London-based issuer processor running debit, credit, prepaid and virtual card programs across three regions.
- Infrastructure layers
- Card issuing
- Products (as published)
- Core Processing
Credit
Debit + Prepaid
Virtual Cards
System of Record
Risk Management
View listing →An open-source financial transactions database built on debit/credit, published under the Apache License 2.0.
- Infrastructure layers
- Ledger infrastructure (open-source database)
- Products (as published)
- TigerBeetle financial transactions database (accounts, transfers, two-phase transfers)
Client libraries for Python, Java, Node.js, .NET, Go and Ruby
View listing →Banking software that lets banks run embedded-banking programs and lets fintechs reach banks in its network.
- Infrastructure layers
- Banking-as-a-service, core banking
- Products (as published)
- Bank OS (embedded banking, digital banking, open banking, tools)
Virtual Ledger (virtual sub-ledger, supplemental core)
Payments (card programs, checks, book transfers, ACH, wire, real-time payments, deposit sweeps)
Find a Bank (marketplace submission to banks in its network)
OneKey (several banks through one API integration)
View listing →A cloud ledger and payment processor company whose Core Ledger keeps settled, pending and encumbered balances.
- Infrastructure layers
- Ledger infrastructure, ACH and card processing
- Products (as published)
- Core Ledger (layered balances, time-travel queries, cryptographic audit trail, tran codes, velocity controls)
ACH Processor
Card Processor (beta)
View listing →A US banking-as-a-service platform for software companies, with accounts, payments, cards and credit from partner banks.
- Infrastructure layers
- Banking-as-a-service, card issuing
- Products (as published)
- Accounts & Wallets (deposit accounts, wallets, FBO)
Money Movement (ACH, checks, wires, Real Time Payments, cross-border)
Card Issuing (debit, charge and revolving credit cards)
Capital (working capital, charge cards, credit cards)
Managed Solutions / Ready-to-Launch (banking, bill pay, capital)
View listing →An embedded financing provider that funds revenue-based cash advances for platforms in the UK, EU and US.
- Infrastructure layers
- Embedded lending, revenue-based finance
- Products (as published)
- Cash Advance (revenue-based financing, repaid as a share of sales)
Instant Settlement (instant payout of card receivables)
Embedded components, partner-hosted, fully embedded and co-branded journeys
Partner Dashboard and reporting APIs
View listing →A payment orchestration platform founded in Colombia, with routing, fallbacks and a vault across 1,000+ connections.
- Infrastructure layers
- Payment orchestration, tokenization
- Products (as published)
- Payment orchestration (conditional routing, fallback steps, Smart Routing by conversion, latency or cost)
Vault (vaulted tokens across processors, network tokens, Account Updater)
PCI Proxy (forward stored card data to third-party APIs)
Checkout SDKs (Full Checkout, Lite Checkout, Secure Fields)
Fraud and 3-D Secure connections, chargeback management
Payouts, reconciliation, subscriptions
View listing →A SaaS loan and lease origination system for auto and consumer lenders in the US and Canada.
- Infrastructure layers
- Loan origination software, loan servicing
- Products (as published)
- defi ORIGINATIONS (loan and lease origination, direct and indirect, secured and unsecured)
defi SERVICING (loan and lease servicing)
defi MANAGED SERVICING (outsourced servicing)
Integration Manager and platform APIs (more than 100 integration partners)
View listing →A cloud platform banks and credit unions use to originate commercial, small business, consumer and mortgage loans.
- Infrastructure layers
- Lending and loan origination
- Products (as published)
- Commercial Lending (commercial loan origination system)
Small Business Lending
Consumer Lending
Mortgage
Account Opening
Integration Gateway
View listing →This directory lists fintech infrastructure providers by layer: banking-as-a-service, embedded payments and payment orchestration, lending and loan origination software, loan servicing and card issuing. Each profile records what the provider itself publishes about its products, client types, regions, partner banks, licences and API documentation, with the source and the date we checked it. A field the provider does not publish stays empty.
How profiles are built
- Only the provider’s own pages count. Product facts come from the provider’s documentation, API reference and official announcements. Licences come only from official registers.
- Partner banks only when public. We list a bank only when the provider or the bank has announced the partnership.
- No ratings. We do not score, rank or test providers. Profiles are listed by name.
- Paid profiles are labeled. The Profile type field shows whether a profile is standard, enhanced or sponsored. Payment never changes a fact in a profile.
Rounds raised by companies in this layer are logged separately in fintech infrastructure funding rounds, as each company announced them.
Questions
How do you choose which providers to list? We list providers that sell infrastructure to fintechs, software platforms or banks in one of the layers above and publish enough documentation to fill the core fields.
Why is a field empty? Because the provider does not publish that fact. We do not estimate prices, partner banks or client counts.
How do I report an error? Use the Corrections page. We fix facts only against a primary source.
Sources
Each profile lists the provider pages and registers used, with the date checked.
Source: each provider’s own documentation, product pages, official announcements and filings, and official registers for licences, as linked in each profile. Fields a provider does not publish stay empty. How we build profiles: methodology.
