Pier Finance offers a software platform enabling businesses to swiftly create and deploy credit programs. With developer-friendly APIs and flexible modules, companies can integrate credit solutions into their operations within days. Pier Finance caters to marketplaces, service providers, and employers by facilitating credit score building, embedded lending, flexible funding, and accelerated payroll services. Stressing the importance of compliance, they support clients in maintaining sustainable practices. Notably, Pier is not a lender but a facilitator providing the infrastructure for credit services. The platform ensures quick market entry, significantly reducing time and investment for companies aiming to offer credit products.

Pier Finance

Facilitates rapid launch of customizable credit products for businesses.

Banking-as-a-service

Marqeta

Marqeta provides innovative card payment solutions for diverse businesses.

Airwallex is an international fintech platform providing businesses with a comprehensive suite of financial services. These include opening domestic and foreign currency accounts swiftly, processing high-speed international transfers at interbank rates, and automated bill payment workflows. Businesses can accept global payments, issue multi-currency cards, and optimize expense management. The platform offers powerful APIs for custom financial operations integration, helping businesses to accept multi-currency payments, manage currency risks, and create financial products. It enables platforms to collect and disburse funds worldwide, offering a one-stop solution for global financial management, aiming to facilitate growth without geographic limits.

Airwallex

Global financial services platform for businesses managing payments and accounts.

Increase is an enterprise-grade financial technology company offering modern banking infrastructure through APIs, enabling technology companies to programmatically store, move, and reconcile money. Their platform facilitates direct connections to the Federal Reserve, Visa, and other major financial networks, offering transparent data, fewer dependencies, and stable, fast, flexible solutions. Increase's services include ACH transfers, wire transfers, real-time payments, checks, and card issuing with features like FDIC-insured bank accounts, unlimited account numbers, and instant funds availability. Designed for developers, Increase's tools support custom compliance programs, risk management, and seamless workflows for financial operations, significantly enhancing the efficiency of money movement and financial management for technology-driven businesses.

Increase

Provides banking APIs for tech companies to manage and move money.

Synctera offers Banking as a Service (BaaS) to help companies create, launch, and expand their FinTech and embedded banking solutions. With Synctera's platform, startups to large corporations can offer customers bank accounts, digital wallets, personalized debit cards, seamless money transfers, and lines of credit. Their platform simplifies compliance, connects clients with compatible banking partners, and extends into Canada. Aimed at developers, Synctera provides secure APIs, extensive documentation, and a professional services team for additional support. Synctera's mission is to power the next generation of financial innovation through its comprehensive and adaptable BaaS platform.

Synctera

Synctera offers Banking as a Service to build FinTech products.

Lithic offers a platform enabling fintechs, startups, and enterprises to issue bank cards and process payments with ease. They provide direct card network integrations, reducing dependency on third parties, and offer a native core system for better economics and easy implementation. Lithic allows companies to launch quickly with full stack solutions, and then scale by internalizing various aspects of their financial operations. Their system supports modularity, allowing clients to mix and match solutions for their specific needs. Features include API-driven virtual card creation, physical card issuing, same-day transfers, dispute handling, custom authorization logic, fraud prevention, and PCI compliance.

Lithic

Lithic provides card issuing and banking services platform for fintechs.

Swan is a financial technology startup that provides APIs for businesses to integrate white-labeled banking services, including accounts, cards, and payments, directly into their products. Aimed at enhancing user experience and creating new revenue streams, Swan caters to the fastest-growing companies in Europe. They offer a scalable core banking system, regulatory compliance, and operational support, eliminating the need for companies to undergo the complex and costly process of becoming regulated. Swan's model supports business growth with no setup fees, long-term contracts, or constraints, allowing for a customizable and smooth financial experience embedded within user workflows.

Swan

Swan provides embeddable banking APIs for integration in products.

Stripe is a financial infrastructure platform that caters to businesses looking to manage online and in-person payments globally. It offers a suite of products including payment processing, billing for recurring payments, fraud prevention, financial reporting, and banking services. Stripe enables platforms to manage revenue, automate accounting processes, and reduce costs. It supports the growth of businesses by offering tools for subscription management, setting up multiparty payouts, and providing banking-as-a-service options like card creation. Stripe's scalable solutions aim to streamline payments acceptance, optimize checkout experiences, and offer expert integration for enterprises and startups alike.

Stripe

Stripe provides online payment processing and financial infrastructure services.

Cardless offers end-to-end branded credit card creation and management services to businesses looking to enhance customer loyalty and spending. Their solution integrates application processes, risk management, and customer support directly into the business’s platform, ensuring a seamless user experience. Cardholders gain immediate digital access to cards, with a physical card mailed shortly after. Cardless also provides data encryption, compliance with industry regulations, and customer engagement through rewards programs. Their platform empowers partners to leverage proprietary data with intelligent algorithms for increased credit approvals, driving retention and growth with targeted campaigns and personalization.

Cardless

Custom branded credit cards, integration, support, security, data analytics, compliance.

Column is a developer-focused, nationally chartered bank offering API-driven banking infrastructure to create financial products. Column provides direct access to Federal Reserve services, allowing the creation and management of FDIC insured accounts, card programs, and the movement of money through ACH, FedWire, and international wires. They have built their own core, ledger, and banking data model to facilitate scalable, efficient financial solutions, without traditional middleware. Their platform supports the development of modern lending programs with bank funding. Column aims to be a dedicated partner for developers, with an emphasis on compliance, and efficiency, designed for both startups and established fintechs.

Column

Developer-oriented bank enabling financial product creation with API infrastructure.

Synapse is a leading banking as a service platform, empowering companies globally to swiftly initiate comprehensive deposit and credit offerings. They streamline the process to innovate in financial services, removing traditional complexities by managing banking partnerships, licensing, compliance, and payments. Synapse provides a modular platform suitable for businesses of all sizes, facilitating enterprise-scale deployments of a wide array of financial products. Their single, API-first platform simplifies integration, allowing for quick customization and deployment. Synapse positions itself as a catalyst for financial innovation, providing tools to disrupt banking and democratize credit access.

Synapse

Enabling rapid launch of financial products through a banking platform.

Neo Financial is a fintech startup that aims to transform the traditional financial landscape through technology-driven solutions. They offer a range of digital financial products, including savings accounts, credit cards, and a rewards program. Neo's approach emphasizes user-friendly interfaces, personalized experiences, and value-driven incentives. Their rewards system is tied to a network of partners, allowing customers to earn more from everyday spending. By adopting a digital-first strategy, Neo Financial seeks to make banking more accessible, efficient, and rewarding for its users, challenging the norms of conventional banking institutions.

Neo Financial

Neo Financial offers smart banking, investments, credit cards, and mortgages.

Griffin is a UK-based startup that provides a Banking as a Service (BaaS) platform enabling UK companies, especially fintechs, to develop and launch financial products quickly and cost-effectively. With Griffin's bank-grade infrastructure, businesses can embed financial services into their apps via APIs. This includes automated KYC/KYB onboarding, compliant safeguarding accounts, and access to the UK's payment rails (FPS, Bacs, CHAPS). The platform offers segregated client money accounts, branded cards, operational accounts, and flexible credit options for its users. Griffin also boasts about an API-first approach, providing clean REST JSON APIs, a developer sandbox, and comprehensive documentation for easy integration.

Griffin

Griffin enables quick, cost-effective development of financial products via APIs.

Unit provides a platform that tech companies can use to integrate banking and lending services into their products, thereby enhancing customer value and creating new revenue streams. This integration includes interest-earning accounts, payment cards, and lending products. By embedding financial functionalities, clients can improve user retention, increase revenue per user, and reduce customer acquisition costs. Unit simplifies the technical and regulatory complexities, offering flexible coding options, from no-code to full-code integration. They process large transaction volumes and support banking for a vast user base with high reliability and security, emphasizing compliance and partnership with banks and technology providers.

Unit

Unit offers tech-driven banking and lending platform services.

Pier Finance

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