10 Top Embedded Finance Startups & Companies to Watch [2026]

Executive Summary: Which are the Top 10 Embedded Finance Startups to Watch?

1. Stakk (Australia) – Delivers a modular embedded fintech stack with real-time credit limit prediction, card issuing, A2A payments, and short-term installments via easy-to-use APIs and SDKs.
2. Sharp Payments (US) – Unifies banking, card issuance, and treasury through one API, automating expense workflows and vendor payments while layering in advanced encryption and fraud controls.
3. Flowzar (Germany) – Embeds AI finance agents in ERP systems to execute payments, lending, investment, and insurance tasks, merging scattered data into one compliant financial layer for CFOs.
4. Kobble (Australia) – Offers a licensed, API-based platform for card issuing, wallets, FX, and KYC with built-in compliance and fraud tools-cutting launch time and infrastructure cost for banks and retailers.
5. Thimsa (UAE) – Builds open-banking rails that power real-time pay-ins, payouts, invoicing, and multi-currency B2B transfers, backed by AI-driven AP/AR automation.
6. Unity Plus (US) – Provides a single-API solution for global payments, credit-building loans, and branded cards that lower transaction costs and boost user retention.
7. DCS Innov (Singapore) – Runs a cloud Card-as-a-Service platform with white-label wallets, QR-based onboarding, and turnkey ops-from card creation to settlement and collections.
8. FinBiz Technologies (Bulgaria) – Embeds SME lending directly into partner platforms, handling onboarding, origination, servicing, and AI credit scoring entirely in-house.
9. Remedi Finance (UK) – It brings BNPL to healthcare clinics with instant e-KYC, credit analytics, and on-chain securitization, granting patients interest-free treatment financing.
10. Apex Lumina (Nigeria) – It turns NFC-enabled smartphones into SoftPOS terminals, enabling secure, contactless Mastercard and Visa payments without dedicated hardware.

Global Startup Heat Map highlights Emerging Embedded Finance Startups to Watch

Through the Big Data & Artificial Intelligence (AI)-powered StartUs Insights Discovery Platform, covering over 7M+ startups, 20K+ technology trends plus 150M+ patents, news articles & market reports, we identified 10 embedded finance startups.

The Global Startup Heat Map below highlights emerging embedded finance startups you should watch in 2026 as well as the geo-distribution of 200+ startups & scaleups we analyzed for this research.

According to our data, we observe high startup activity in the UK and US, followed by Singapore. The top 5 startup hubs for embedded finance solutions are London, New York City, San Francisco, Dubai, and Singapore.

Meet Emerging Embedded Finance Startups to Watch in 2026

We hand-picked startups to showcase in this report by filtering for their technology, founding year, location, funding, and other metrics. These emerging embedded finance startups work on solutions ranging from modular payment infrastructure and real-time credit scoring to Card-as-a-Service platforms and BNPL financing for healthcare.

1. Stakk

• Founding Year: 2024
• Location: Sydney, Australia
• Use for: Modular Embedded Finance Platform

Australian startup Stakk develops a modular embedded fintech platform for startups, banks, and enterprises to launch tailored financial features, manage affordability assessments, and automate fulfillment workflows.

The platform has a flexible program configuration, encrypted ACID-compliant data storage, and an automated lending engine. The prediction algorithm works in real-time to assess the need to readjust credit limits, thereby reducing defaults.

Moreover, the startup offers API docs, SDKs, and other tools to embed transaction accounts, issue debit or credit cards, enable instant account-to-account payments, and provide short-term installments. Stakk allows businesses to drive retention, lower acquisition costs, and create new revenue streams through integrated money experiences.

2. Sharp Payments

• Founding Year: 2023
• Location: Arizona, US
• Use for: Embedded Payment Platform

US-based startup Sharp Payments builds an embedded payment platform that connects banking, card issuance, and treasury operations through a single API.

The startup issues customizable virtual and physical cards in real time with features including enhanced security, flexibility, and cost savings.

Moreover, the platform applies encryption and multi-layered security to safeguard all transactions. This solution automates expense management, approval workflows, and vendor payments, while reducing manual intervention.

Sharp Payments thus allows financial institutions to improve operational efficiency, enhance customer service, and integrate secure payment solutions into their existing systems.

3. Flowzar

• Founding Year: 2024
• Location: Munich, Germany
• Use for: Embedded Finance and AI Finance Agent

German startup Flowzar specializes in embedded finance and AI finance agents for handling routine finance tasks. The agents provide expert advice and execute actions like payments, financing, investing, and insurance.

This solution integrates directly with ERP and financial management systems, thereby enhancing existing capabilities. It merges data from internal systems, bank accounts, and external sources into a single financial layer.

Flowzar ensures compliance with financial regulations, AI laws, and data protection standards. Moreover, it helps CFOs generate better financial outcomes within their core systems and improve decision-making.

4. Kobble

• Founding Year: 2024
• Location: Melbourne, Australia
• Use for: API-based Embedded Finance Platform
• Major Deals: Secured USD 24.3 million in Contracts
• Major Clients: Mastercard, ASIC, Fintech Australia
• Promonent Partnership: Karia

Australian startup Kobble provides an API-based embedded finance platform that enables businesses to integrate financial services. Such as card issuing, digital wallets, payments, FX, KYC, and transaction monitoring into their existing systems.

The platform uses a modular structure that allows businesses to select and activate specific components based on their needs. Moreover, it includes pre-configured tools for compliance management, fraud detection, and transaction reporting, which reduce regulatory workload.

Kobble holds key regulatory approvals, which allow clients to operate under its licensed framework. As a result, businesses shorten product launch timelines and lower infrastructure costs. Kobble allows banks, fintechs, and retailers to centralize financial operations through a single integration, which improves scalability and simplifies system management.

5. Thimsa

• Founding Year: 2023
• Location: Dubai, UAE
• Use for: Embedded Open Banking Payment Infrastructure

UAE-based startup Thimsa builds an embedded open banking payment infrastructure that enables real-time financial operations through direct API connections. The platform manages instant pay-ins, payouts, invoicing, subscriptions, and cash flow.

Moreover, it leverages AI-assisted automation for accounts payable and receivable, including bulk payments and configurable approval workflows.

Further, the platform enables multi-currency transactions across various countries. This enables direct B2B transfers without relying on intermediaries. Thimsa enables SMEs and eCommerce businesses to streamline supplier payments and simplify the accounts payable process.

This reduces errors and delivers cost savings. By embedding financial services into operational systems, this solution improves efficiency, visibility, and financial control.

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6. Unity Plus

• Founding Year: 2023
• Location: Los Angeles, US
• Use for: Embedded Finance Platform

US-based startup Unity Plus provides an embedded finance platform that integrates global payments, secure business accounts, credit-building loans, and branded virtual or physical cards through a single API.

The startup partners with licensed financial institutions to facilitate regulatory compliance and reduce operational complexity for its partners. Moreover, it enables branded card issuance and credit access based on platform performance.

As a result, platforms reduce transaction costs, increase user retention, and create new monetization channels. Unity Plus helps businesses save money, increase loyalty, and build business credit to smooth income and grow.

7. DCS Innov

• Founding Year: 2024
• Location: Singapore
• Use for: Card-as-a-Service (CAAS) platform
• Notable News: DCS Innov acquires Wallet-as-a-Service Platform HolyWally
• Prominent Partnership: Launched iChange Debit Mastercard along with IBV

Singaporean startup DCS Innov provides a cloud-based Card-as-a-Service (CaaS) platform that enables businesses to embed payment card issuance and wallet features into their digital products.

Its proprietary white-label wallet app seamlessly integrates payment services into a single platform. It operates through API integrations that support both full technical deployment and ready-to-use configurations.

Moreover, the platform allows user onboarding via QR codes or invitation codes, thereby simplifying access and activation. Further, this solution manages operational processes and includes card creation, customer service, transaction settlement, and collections.

DCS Innov enables businesses to accelerate product deployment, reduce infrastructure complexity, and maintain control over user experience.

8. FinBiz Technologies

• Founding Year: 2023
• Location: Sofia, Bulgaria
• Use for: Embedded SME Lending
• Prominent Partnerships: KLEAR & CloudCart

Bulgarian startup FinBiz Technologies builds an embedded lending infrastructure for financial institutions to provide digital loans to SMEs within third-party platforms.

The startup develops all components in-house, such as customer onboarding, credit origination, loan servicing, wallet management, clearing, accounting, and CRM.

Further, it provides a credit scoring engine that leverages AI and big data to assess risk using both financial and alternative data. The platform generates structured accounting records and manages customer funds through segregated wallets for repayments and investments.

FinBiz Technologies provides financial institutions to deliver credit at the point of need, streamline loan origination, servicing, risk assessment, and asset management.

9. Remedi Finance

• Founding Year: 2024
• Location: London, UK
• Use for: Buy Now Pay Later for Healthcare Clinics

UK-based startup Remedi Finance utilizes embedded buy now, pay later technology for healthcare clinics to instantly send digital application links, approve patients, and receive payments through a dedicated portal.

The startup conducts an instant electronic know your customer (e-KYC) verification and credit risk assessment to guarantee patient eligibility. Then, it confirms the patient’s identity and evaluates their creditworthiness using credit history, open banking data, and financial behavior.

The platform also leverages a credit analytics engine to assess attributes for optimizing approvals. Further, it combines traditional and on-chain finance to let clinics originate, underwrite, and securitize financial products without relying on third-party institutions.

As a result, clinics gain faster access to liquidity and reduce operational complexity. Remedi Finance supports healthcare clinics to increase sales and order volumes by enabling patients to pay for treatments in interest-free installments.

10. Apex Lumina

• Founding Year: 2024
• Location: Lagos, Nigeria
• Use for: Secure Contactless Payment

Nigerian startup Apex Lumina utilizes SoftPOS technology for secure contactless payment on NFC-enabled devices. It develops a mobile app to replace conventional POS hardware by processing contactless Mastercard and VISA payments directly on the device.

This solution utilizes advanced encryption and cloud-based authorization to ensure transaction security and allows real-time processing without physical infrastructure. Merchants download the app, register, and accept payments quickly using an internet connection.

Apex Lumina enables businesses to increase sales, reduce costs and complexities, and enhance customer experience by offering alternative payment options and seamless checkout.

Discover All Emerging FinTech Startups

The FinTech startups showcased in this report are only a small sample of all startups we identified through our data-driven startup scouting approach. Download our free FinTech Innovation Report for a broad overview of the industry or get in touch for quick & exhaustive research on the latest technologies & emerging solutions that will impact your company in 2026!