Alternatives to Layer

Wallester is an Estonian-licensed financial institution and has been an official Visa partner since 2018, specialising in innovative digital financial solutions and card issuance. We empower companies across the European Economic Area (EEA) and the UK to streamline payments, launch branded cards, and scale efficiently. What we do: 1. White-Label Solution with Embedded Finance Our White-Label solution enables businesses to integrate financial services directly into their platforms - a concept known as embedded finance. This allows companies to launch branded payment cards tailored to their specific needs, enhancing customer experiences and opening new revenue streams. We ensure a swift time-to-market with simplified integration and dedicated support from our implementation team. 2. Wallester Business: Corporate Expense Management Wallester Business is designed to modernise corporate expense management. It provides companies with instant access to virtual and physical Visa cards, streamlining financial processes through a modern app and comprehensive portal. Features include expense tracking, budget analytics, and seamless integration with accounting systems to enhance financial oversight and efficiency. With a diverse team of over 190 professionals located in Estonia, Latvia, France and the United Kingdom, we are dedicated to developing high-quality, profitable products for our clients. Our passion for innovation drives us to improve and adapt to the evolving financial landscape continuously. We aim to elevate businesses by providing the most advanced financial technologies, enabling them to reach new heights in efficiency and growth. We are always open to collaboration and eager to assist companies in navigating the future of finance.

Sila is an end-to-end payment platform that provides Banking-as-a-Service through a developer-friendly payment API that is scalable and allows for fast and secure money transfers. Sila’s payment platform streamlines building and launching fintech apps and embedded payment products for financial products, fintech, crypto, and Web3. Sila’s offerings include Virtual Accounts, Digital Wallets, KYC/KYB, and ACH payments APIs for software teams. Additional functionality is available through a network of pre-approved and pre-integrated partners (to different degrees). Sila was recognized as the Best Payments as a Service Platform by the 2022 Embedded Banking Awards of Tearsheet. Sila is headquartered in Portland, Oregon.

Our platform allows you to integrate financial products into your business. Banking Offer FDIC insured banking services to customers with a single seamless integration With ACH transactions, credit card processing and easy deployment, it's easy to move money. Branded Cards You can quickly create customized or white-label cards to promote your brand. Global money transfer Send and receive money across borders in any currency. One embed offer FDIC-insured virtual accounts that customers can use to manage their funds, earn interest and pay bills, send money and receive it all from one place. Alviere's banking technology allows you to easily embed FBO accounts (For-Benefit of) into your platform, so you can offer customized financial services for your clients and employees. FBO accounts allow you to track your finances and use in real-time, which allows you to choose the right services.

Finleap Connect delivers cloud-based services tailored for banks aiming to modernize their operations. By focusing on fintech solutions, Finleap Connect allows for seamless integration into pre-existing systems through a modular approach. This service enhances data analysis and connects current datasets with advanced machine learning technologies. Notably, the offerings from Finleap Connect have received certification from BaFin. Their emphasis lies in boosting customer engagement while simultaneously minimizing the expenses and complexities associated with financial integration. With a contemporary and secure cloud infrastructure that is BaFin approved, they support partners at every growth phase. Additionally, they provide state-of-the-art data and analytics solutions that leverage connectivity to financial data through machine learning. Finleap Connect enables a "full-stack" capability for brands that prioritize digitally native and mobile-first customer transactions, while their Customer Interaction Layer features modular, branded products designed to facilitate impactful customer engagement. As a result, they equip businesses not only to thrive but also to adapt in an increasingly digital marketplace.

TrueLayer stands out as a premier technology firm that offers secure and worldwide access to financial systems. Our APIs empower developers to create top-tier products that can access data and facilitate payments instantaneously and securely. Established in 2016, TrueLayer has partnered with major global banks, is supported by prominent venture capital firms, and is trusted by leading fintech companies like Monzo, Revolut, and Zopa. By democratizing open banking through our platform, TrueLayer allows developers from various sectors — ranging from emerging startups to large enterprises — to transform financial services. Operating in the UK, Europe, and Australia, TrueLayer simplifies the integration of advanced payments and financial data into any application. Create innovative products that resonate with your users, enabling seamless money transfers at competitive rates while ensuring an exceptional user experience. Our solution eliminates the need for cards, minimizes fraud risks, and avoids chargebacks, ensuring a smooth financial transaction process.

Transform how your business and customers see, understand, and act on debt with our industry-leading debt APIs or low code drop-in modules.

Quiltt provides a comprehensive consumer fintech infrastructure that enables anyone to create cutting-edge financial solutions effortlessly. This is achievable without complexity. We have meticulously woven together the essential tools that innovators require to swiftly introduce customer-oriented features such as account linking, budgeting tools, bill management, and more, significantly reducing both time and costs. The Quiltt Connect feature is an embeddable user interface module that offers a rich, contextual financial overview of your clientele. Utilizing the robust Quiltt GraphQL API, Connect is seamlessly integrated with Plaid's top-tier bank data network and Spade's advanced transaction enrichment capabilities. Integrating Connect into your product is as simple as adding a few lines of code, allowing your team to concentrate on developing your key innovations while enhancing the user experience. With Quiltt, launching a financial product that meets modern demands has never been easier.

Conventional payment processors take a significant portion of the profits generated by funds on your platform, using outdated systems that hinder your company's value, which is simply unjust. We provide innovative payment and embedded fintech solutions designed to unlock the full potential of vertical SaaS platforms. By implementing sub-account architecture, you can take control of your processing expenses right from the start. Retain over 100 basis points by partnering with a dedicated team and technology focused on maximizing your opportunities. Equip your customers with essential financial tools that enable them to grow, allowing you to achieve more than 200 basis points in retention. Successfully execute your go-to-market strategy to activate customer engagement and enhance the use of embedded fintech. While having the right sub-account architecture and competitive pricing is crucial to navigate the payments landscape, excelling requires much more than that. The JustiFi payments and embedded fintech platform, along with our team of payment strategy specialists, is designed to empower you to triumph in the competitive payments arena. Together, we can redefine the standards of success in this ever-evolving sector.

HUBUC - the embedded financial services powerhouse for non-fintech companies, mainly B2B, to build better products, retain clients and generate more revenue. We are making this possible in three simple ways: - We provide access to developer-friendly, powerful tech stack to our clients through one single API. - We connect fintech capabilities of industry giants such as VISA & Mastercard, issuing banks, innovative FX, security and compliance players to our clients through one contract. - We guide implementation and secure transactions across all 58 markets where we operate.

Jaris simplifies the process of providing private-label embedded financial services that small business clients require, all through a single platform. By integrating high-value financial solutions, you can significantly enhance customer satisfaction and loyalty. With Jaris’ specially designed API, you can roll out essential services like Credit as a Service in mere months instead of years. Covering everything from underwriting to financing and support, Jaris offers a comprehensive, full-stack financial solution. Position yourself as an essential partner to your clients by offering user-friendly financial services that are vital to their operations. Ensure that your customers receive modern and rapid financial services at the precise moment and location they need them. By introducing embedded financial solutions, you can capture a larger market share and outpace your competitors. Additionally, you can provide swift, competitive financing options directly within your customer application, ensuring a seamless and innovative experience that keeps clients engaged. This approach not only strengthens client relationships but also positions your business as a leader in financial service offerings.

Provide your clients with accounting software seamlessly integrated within your platform. With Teal, you have the capability to create a comprehensive financial hub that enhances user attachment and engagement with your suite of financial service offerings. Construct the ultimate financial operating system that caters to your customers' needs. By merging data from various sources into Teal's general ledger, you can empower your customers with essential insights necessary for effective business management. Establish a unified source of truth for their financial and accounting needs, which will lead to increased attachment rates to your financial products. Leverage our ready-to-use integrations to gather data and generate actionable insights, or utilize our API to submit custom data. You can launch your fully functional accounting solution in just weeks instead of waiting months. Teal also provides modular front-end code snippets that are easily integrated into your primary product and can be tailored to meet your specific requirements. Our dedicated implementation engineers will collaborate closely with your team to ensure a swift and efficient path to your desired implementation outcome, guaranteeing a smooth transition for your customers.

Powens stands out as a premier platform for open finance and embedded banking, enabling financial institutions, fintech companies, and software providers throughout Europe and Latin America to develop cutting-edge products while enhancing their financial workflows with seamless and fully automated banking and payment solutions. With connections to more than 1,800 financial institutions in over 12 European nations, Powens provides instantaneous access to standardized bank account information, which includes detailed balances, transaction histories, and past data from current accounts. Their extensive offerings feature data and document aggregation, data processing, as well as accounts and payment solutions, ensuring a comprehensive approach to financial operations. Furthermore, Powens maintains exceptional quality benchmarks, boasting a remarkable 99.5% success rate in data refreshes and a 99.95% API availability rate sustained over an impressive span of 11 years. These standards reflect Powens' commitment to reliability and innovation in the financial technology sector. Ultimately, their robust platform not only enhances user experience but also fosters greater trust among their diverse clientele.

Daxia serves as an embedded finance platform that empowers businesses across diverse industries to make the leap into the fintech arena, thereby facilitating the creation of new revenue opportunities. By offering a holistic, end-to-end solution, Daxia enables these companies to quickly develop and roll out tailored fintech services, which in turn improves customer experience, data handling, and security measures. The platform provides a range of solutions, such as strategic consulting to assist companies in their fintech endeavors, open APIs for seamless integration of fintech into existing operations, and essential tools for digital asset management along with robust data security features. Additionally, Daxia emphasizes tokenization to safeguard sensitive information, helping to ensure regulatory compliance and reduce the risks linked to unauthorized access. With a focus on industries such as consumer goods, retail, e-commerce, banking, energy, and telecommunications, Daxia is poised to transform how businesses incorporate fintech capabilities into their everyday functions, paving the way for future growth and innovation. The adaptability of Daxia's offerings makes it a vital partner for any organization looking to thrive in the evolving financial landscape.

Our goal is to assist businesses in creating digital finance products that are user-friendly, innovative, and inclusive, all while minimizing costs and eliminating fraud. Stitch empowers fintech and embedded businesses throughout Africa to efficiently onboard users and facilitate smooth bank-to-bank transactions. Simplify the payment process for your customers with a one-click checkout option, reducing the burden of high card fees. Enhance the onboarding experience for both customers and suppliers, allowing for effortless payments within your marketplace or platform. By using Stitch, payment service providers and aggregators can enable their merchants to provide instant, fraud-free pay-by-bank checkout options at a significantly lower cost compared to traditional card payments. Furthermore, streamline the payout process for customers and suppliers by using the same account linking, making it just as effortless to pay out as it is to receive payments. This comprehensive approach ensures that all transactions are not only efficient but also secure and cost-effective.

CoreWallet is a software framework that allows you to build emoney management, virtual accounts management, and online payment processing solutions. It can be used for various types of businesses such as e-commerce, retail, and other small businesses: - eCommerce and online marketplaces looking for custom-tailored payment orchestration technology - Fintech companies that must comply with AML regulations, PCI DSS, and KYC requirements within their system - Service providers who want to create a white-label payment gateway or eWallet solution to sell to third-party businesses - Banks looking to offer modern add-on services to their customers - and many other use cases CoreWallet provides core infrastructure, such as accounting/subledger, user data management, common wallet financial processes and external payment integration, which can be customized and extended by the products that use it. The online documentation portal provides a detailed description of CoreWallet modules and features.

Build, enhance, and expand your offerings with straightforward access to a comprehensive financial ecosystem. With features like accounts, foreign exchange, both domestic and international payments, acquiring, and open banking—all provided through a unified, developer-centric API—you can craft innovative customer experiences by seamlessly integrating financial services into your products. This ensures your customers can remain within your ecosystem without needing to navigate elsewhere. Optimize both customer interactions and back-office functions through effortless integration with your current systems. Transition all your services to OpenPayd and take advantage of competitive rates, extensive coverage, cutting-edge technology, and exceptional support. Scale rapidly by tapping into local payment infrastructures, unparalleled foreign exchange management, and an extensive array of global licenses. Facilitating local and international transactions becomes effortless with OpenPayd's extensive global banking network, ensuring you can meet diverse financial needs efficiently. The integration of these services empowers you to deliver outstanding value to your customers while streamlining your operational processes.

Flinks enables the open, consent-based exchange of financial data and empowers you to connect consumers with the services they want. Flinks Enrichment is the smart analytics layer on top of your raw retail and business banking data. Whether your data pipeline is coming from Flinks, or you’re BYOD (bringing-your-own-data) from your existing integrations—extracting actionable, model-ready insights for credit risk analysis, income verification, life event detection or fraud prevention couldn’t be easier. Flinks Connectivity offers the largest financial data network coverage, allowing your customers to use your services by easily and securely connecting their financial accounts and sharing the data you need. From KYC to transactional data and assets, Flinks Connectivity is the backbone that will power your business and put you ahead of the competition. Flinks Outbound provides the Open Banking infrastructure you need to launch and adapt quickly in a dynamic market and regulatory environment. Winning with open banking goes far beyond just technology and APIs. Our extensive network of third-party applications that millions of Canadians are already using can become your launch

Quickly establish bank accounts, provide cryptocurrency wallets, facilitate payments, and distribute cards to your clients. Solid presents a comprehensive and compliant array of FinTech solutions. You can integrate it in just minutes to craft unprecedented user experiences. With Solid’s Banking as a Service (BaaS), businesses can develop and introduce various deposit offerings, including both business and personal checking accounts. This service encompasses everything from ledgers to statements, providing all the essentials for creating enjoyable banking interactions. The Card Issuance and Management platform from Solid is pioneering, allowing for the issuance of cards that cater to your customers' requirements through a single API. Both physical and virtual credit, debit, and prepaid cards are entirely overseen by Solid. Elevate your customer engagement with a streamlined and robust experience embedded in your product, utilizing Solid's instant account creation API. Additionally, you can quickly issue customized physical and virtual cards, complete with the necessary spending controls using Solid's card API, ensuring that your clients have all the tools they need at their fingertips.

LendAPI is an exceptionally adaptable, infrastructure-first platform for lending and financial services that provides organizations the ability to create, launch, and expand custom credit solutions without the limitations imposed by outdated systems. Its Product Studio features a user-friendly no-code interface that allows for the swift design and publication of new lending products within days, while the Decision Engine, Rules Studio, and integrated Pricing Engine facilitate real-time updates to dynamic rule configurations, underwriting processes, and pricing strategies. The platform is equipped with essential modules for Loan Origination and Loan Management and supports various embedded finance scenarios, including point-of-sale financing, Buy Now Pay Later (BNPL) options, real-estate loans, and virtual card services. In addition, it boasts extensive integrations with KYC/KYB compliance, credit bureau information, fraud detection tools, and document automation systems. With over 270 pre-built integrations and a fully API-driven framework, LendAPI empowers fintech companies, banks, and retailers to significantly reduce manual review processes by approximately 30%, enhancing overall efficiency and responsiveness in financial transactions. This innovative approach positions LendAPI as a key player in the evolution of modern lending practices.

We empower leading financial institutions, corporations, and FinTech innovators to launch uniquely tailored payment solutions backed by a robust and immediate business rationale. Our approach generates substantial new net revenues and cost reductions through the utilization of our rapid, scalable, and secure API along with a white-label platform designed for targeted implementations. Our proprietary platform, which is interoperable and PCI-DSS certified, is hosted in Tier-4 data centers that guarantee the highest levels of security. Furthermore, Bankable's Virtual Ledger Manager serves as a cloud-based virtual account solution that can be integrated with any bank account, significantly improving cash management for multinational corporations. This versatile multi-bank solution is adept at handling both standardized and proprietary data formats, ensuring seamless processing across various banking institutions. Overall, our offerings not only enhance operational efficiency but also position our clients to capitalize on emerging market opportunities.

Build your own fintech with Bond. Build financial services, from KYC to account opening, money movement to card issuance, and more — all in a single, unified API-driven platform. Bond's system of record, Bond OS, compiles program data into a beautiful series of graphs documenting revenue, active cards, usage and much more. Bond's APIs and SDKs give developers the tools to build innovative financial solutions with just a few lines of code. Explore a playground of possibilities. Bond allows you to offer your consumer or commercial customers banking products (savings accounts, debit cards, ACH, etc.) or credit products (charge cards, credit builder cards, asset-backed credit cards, etc.) - with physical or virtual cards. Contact us to get started in our sandbox or to speak to someone live.

Simplifying the integration of financial services into applications and customer experiences to the ease of drag and drop. One unified platform provides access to an extensive array of global financial functionalities. A user-friendly API allows developers to effortlessly incorporate worldwide financial services into their applications or customer journeys. This platform also handles billions of dollars in transactions each year, effectively managing your embedded financial services for you. If you possess your own financial licenses and operational capabilities, you can integrate them alongside our services to expand into new markets. With straightforward APIs, you can develop and implement any financial use case into your customer experience seamlessly. You can focus on designing exceptional products, marketing effectively, and engaging your customers while we take care of the technical complexities. Instantly issue virtual debit cards for one-time use, simplifying the management of subscriptions such as Netflix. Furthermore, wage advancement can be integrated smoothly within payroll systems to enhance employee satisfaction. By leveraging these tools, businesses can streamline their financial operations with remarkable efficiency.

Yodlee is the trusted data aggregation and intelligence platform powering the future of open finance. For more than two decades, Yodlee has helped financial institutions, fintech innovators, and enterprises convert data into meaningful action. Its ecosystem connects over 19,000 financial institutions, powering 601 million consumer accounts with secure, direct connections and enterprise-grade scalability. Through its suite of products—ranging from Personal Financial Management (PFM) to Wealth Management, Credit Solutions, Payment Enablement, and Business Financial Management—Yodlee enables institutions to deliver personalized, data-driven customer journeys. Its AI and analytics capabilities transform complex data sets into actionable insights that support smarter lending, risk assessment, and financial guidance. Trusted by top U.S. banks, wealth firms, and technology providers, Yodlee remains the backbone of digital transformation in financial services. With a strong focus on security, privacy, and compliance, it ensures that innovation never comes at the cost of trust. By turning fragmented financial data into clear, strategic intelligence, Yodlee enables organizations to anticipate customer needs and stay ahead in a rapidly evolving market.

The integration of embedded finance solutions into the B2B landscape through a unified platform empowers companies, distributors, retailers, and financial institutions to accelerate their growth effectively. actyv.ai combines innovative technology with tailored financial services, addressing the unique needs of all participants in the B2B supply chain. With actyv Go, businesses can swiftly onboard partners through a fully digital process, while actyv Score ensures that decisions are driven by data rather than bias. Furthermore, enterprises can utilize actyv PayLater for embedded buy-now-pay-later options, along with securing their BNPL credit via actyv Insure's manageable plans. The actyv.ai platform delivers measurable advantages to every stakeholder within the B2B ecosystem, facilitating a streamlined onboarding and evaluation process while providing access to comprehensive embedded finance solutions in one cohesive location. This approach not only enhances efficiency but also fosters a more interconnected business environment.

Equipped with embeddable functionalities supported by comprehensive due diligence and an adaptable general ledger, businesses can utilize a cohesive platform that offers essential components necessary for fostering innovation and rolling out top-tier products. Our application builder enables you to tailor your application precisely to your needs. To facilitate a seamless integration process, we will provide a personalized guide and an implementation timeline to outline what you can anticipate. Furthermore, we will establish your sandbox environment for testing and development. You have the option to implement a white-labeled turnkey solution, connect through our API or SDKs, or use various UI widgets to create your own product. Additionally, we can set up the application within your current cloud infrastructure, allowing you to retain complete oversight of computing resources, storage, and version control. Depending on the complexity of your application, deployment can occur in as little as three weeks, reiterating our dedication to assisting you in launching an exceptional product! Moreover, you can combine account verification, linking, and ACH transfers into a single streamlined solution for enhanced efficiency.

Stripe Treasury serves as a banking-as-a-service API, allowing you to integrate financial services seamlessly into your marketplace or platform. By utilizing just one integration, you can empower your customers to manage funds, settle bills, earn interest, and oversee cash flow effectively. This service offers the essential modular components required to create a comprehensive and scalable financial product tailored to your customer base. Through collaborations with banks, Stripe Treasury facilitates ACH and wire transfers, provides accounts eligible for FDIC insurance, and ensures quicker access to payment funds, all integrated within your platform. You can create an account object with just a single API call, and users can quickly onboard by verifying their identity and establishing an account with one of our partnered banks in a matter of minutes. Additionally, you can set up a reserve of funds and customize the attributes of your financial product as needed. There are various options to transfer funds in and out of accounts, along with the ability to issue personalized payment cards, offering users diverse methods to utilize their funds. In essence, Stripe Treasury is developed in collaboration with a network of banks to enhance your financial offerings. This innovative approach not only simplifies the banking experience but also expands the potential for revenue generation on your platform.

Simplifying Embedded Finance. Effortlessly integrate financial services into your business through a single, connected no-code platform. While fintech can be complex, we streamline the process to make it user-friendly and easily integrable. Building fintech typically requires navigating numerous contracts, approvals, integrations, and workflows, but with Hydrogen, you can bypass much of the heavy lifting, ultimately reducing both costs and time by 80%! Discover our range of embeddable offerings: Cards, encompassing both physical and virtual card issuance. Issue fully customizable physical and virtual debit cards with our ready-to-use embeddable applications, free from lockups, minimums, or extensive setup processes. Additionally, earn revenue on each transaction! Payments, including ACH, bank authorization, P2P transactions, and roundups, can be seamlessly added to your business through our comprehensive embeddable applications. Enhance your financial management for both personal and business needs by integrating aggregation, accounting, cash flow, and budgeting analytics with our fully customizable embeddable solutions. This powerful combination empowers you to optimize financial operations and enhance customer experiences.

Integrate financial services into your customer experience and elevate your business offerings using Treezor's white-label solution. As a leader in European banking-as-a-service, Treezor is dedicated to assisting you throughout your payment project, ensuring support at every phase. Our extensive array of financial services addresses all your project needs, while our modular one-stop-shop solution empowers businesses of all sizes, from fintechs to large corporations, to expedite their banking initiatives by outsourcing various payment functions to us. Trust in Treezor's expertise in regulatory compliance, security, and technology to seamlessly incorporate payments into your customer journey. Serving as a dynamic and innovative hub, Treezor fosters the growth of top European fintechs, driving the digital transformation of payment systems. It has become the go-to platform for forward-thinking companies, startups, fintechs, neobanks, and beyond. With a single contract, one API, and streamlined integration, you gain access to a multitude of services and limitless opportunities to enhance your business strategies. This makes Treezor not just a service provider, but a vital partner in your journey towards greater financial innovation.

Meld is your Fintech Stack as a Service. We're empowering developers with the ability to build a Multi Vendor Fintech stack. Developers can access a wide range of financial integrations across multiple domains with just a few lines of code. Lower overall 3rd party vendor costs, increase coverage and conversion rates, and save time by launching integrations across markets faster with Meld. With performance analytics for every provider integrated with - we're putting developers back in control of their fintech stack again.

We assist brands in integrating insurance and assurance seamlessly into their platforms. The secret to creating profitable embedded solutions with elevated conversion rates lies in treating insurance as a feature of your platform rather than a separate entity. Our expertise enables us to provide both ready-made and customized embedded insurance and assurance solutions. By collaborating with capacity providers, insurers, and others, we fulfill our commitment to delivering relevant, white-labeled coverage for inherent risks. Our infrastructure supports a diverse array of embedded programs while offering expert advice to help companies develop efficient, compliant, and lucrative initiatives. It's important to note that white-labeled embedded protection doesn't substitute for your existing insurance; instead, it serves as an additional layer that enhances your customers' experience and ultimately boosts your revenue. This approach not only adds value for users but also positions your brand as a leader in innovative service offerings.

At VoPay, we help software companies scale faster and unlock new revenue by embedding secure, compliant financial services into their core platforms. Our Fintech-as-a-Service platform enables businesses to manage payments, automate money movement, and integrate powerful fintech products, without the need to build complex infrastructure from scratch. VoPay’s platform provides the flexibility, control, and tools businesses need to grow and thrive. Whether you're managing high transaction volumes or looking to enter new markets, VoPay provides scalable infrastructure to support your growth and deliver value to your users. Additionally, our platform integrates seamlessly with your SaaS solution through a single API, making it easy to offer embedded payments, compliance, and financial orchestration. This is particularly beneficial for SaaS platforms, as it allows you to expand without worrying about the complexities of financial infrastructure

Every day, countless transactions occur on the blockchain, yet individuals must compromise their privacy since anyone with access to their address can view their complete financial history. To address this issue, Suterusu has developed a trustless and universal Layer 2 privacy-protection protocol called Suter Shield, which effectively separates the sender's and receiver's addresses to ensure comprehensive protection of transaction data through sophisticated cryptography. The design effectively delinks the addresses entering and exiting Layer 1, providing total privacy for both user identities and transaction specifics within Layer 2. Additionally, Suter Shield incorporates an advanced ZK-ConSNARK scheme that features a proof size that remains nearly constant, alongside efficient proof generation and verification processes. This innovative approach not only enhances security but also promotes greater user confidence in blockchain transactions.

The Ninth Wave Platform presents a unified and robust open banking solution that allows financial institutions to share permissioned data securely and efficiently with various third-party applications, such as aggregators, fintech firms, accounting and ERP systems, personal finance management tools, tax preparation software, and other consumer and business applications. By utilizing Ninth Wave, retail and commercial banks, credit unions, wealth managers, and other financial services entities can provide their customers with swift and convenient access to their information on their own terms, available anytime through any chosen application or service. This innovative approach not only enhances the digital experience for users but also fosters greater satisfaction and loyalty, attracts a broader customer base, generates new revenue opportunities, mitigates risks, and ensures compliance with regulatory requirements for clients. Ultimately, Ninth Wave empowers financial institutions to adapt to the evolving landscape of digital banking while maintaining a competitive edge.

Accelerate the launch of your payroll solution and enhance your revenue while providing an exceptional experience for your customers by integrating payroll seamlessly into your platform without the typical engineering difficulties. This integration will not only impress your customers but also facilitate an effortless launch for you. By incorporating a payroll system alongside your current features, you become an essential resource for your users, allowing them to complete all their tasks within their preferred platform. Rather than merely imitating existing solutions, we have advanced the concept significantly. Our infrastructure offers rapid setup, simplified maintenance, enhanced scalability, and reduced error rates. Available now in both the U.S. and Canada, you can introduce your product to the market in a matter of weeks, gaining quick and insightful feedback from customers to fuel your growth. The Salsa team boasts unparalleled industry expertise, providing support throughout the entire process, whether it’s in design, research, or development. Our tools are designed to deliver a perfect combination of simplicity and flexibility while allowing for maximum customization tailored to your needs. Additionally, this allows businesses to stay ahead of their competitors by quickly adapting to market demands.

Increase your revenue and enhance customer satisfaction by integrating financial capabilities into your product. With Unit handling the complexities of compliance and banking partnerships, you can expedite your development and growth. Utilize our comprehensive suite of APIs, developer resources, and documentation to roll out unique features in as little as five weeks. Tailor your offerings to meet user needs with the adaptable nature of Unit’s API. The platform is not only fast and reliable but also secure, earning the trust of startups, esteemed brands, and publicly listed enterprises alike. Provide seamless financial solutions tailored for freelancers and gig economy participants—including cash advances, automated tax calculations, and integrations with services like Abound and Plaid. By leveraging these tools, you can deliver an exceptional user experience that stands out in the market.

SDK.finance is an API-driven fintech platform that serves as a foundation for building a payment product on top. Using its ledger layer allows SDK.finance customers to save at least 1 year of active development for building a neobank, digital wallet app, payment acceptance business, marketplace payment solution etc. What products can be built on top of SDK.finance platform? Neobank Digital wallet Payment acceptance system Money transfer app Marketplace payment solution Mobile wallet app General ledger

Basiq stands at the forefront of open banking technology, empowering developers to create cutting-edge financial applications. Our platform offers secure access to financial data, provided with customer consent, along with robust APIs that reveal critical insights. We are at the helm of shaping the future of financial services, catering to wealth managers, banks, fintechs, and beyond. By utilizing our platform, you can obtain comprehensive and trustworthy banking information, enabling you to craft more engaging and tailored digital banking experiences for users. Our sophisticated income algorithms can accurately pinpoint various income sources, including regular, variable, and casual income streams, which allows for streamlined individual assessments and quicker lending decisions. Additionally, you can enhance your customers’ digital experiences by equipping them with tools to better track their spending habits. With Basiq Enrich, you can analyze each banking transaction to identify the merchant, location, and category, further enriching the financial insights provided to your clients. This level of detail not only elevates user engagement but also fosters a deeper understanding of financial behaviors.

Atomic Financial provides a comprehensive range of advanced financial connectivity solutions aimed at improving the financial experiences of consumers. Through its robust APIs and SDKs, Atomic enables developers to create, integrate, and deploy financial products that simplify processes such as payroll, direct deposits, and income verification, among others. The platform caters to various industries, including investing, real estate, taxation, insurance, and lending, thereby enhancing the accessibility and efficiency of financial services for users. Prioritizing security and user experience, Atomic equips organizations with the tools to develop tailored, real-time financial solutions while ensuring stringent data privacy compliance. This commitment to innovation helps drive a more inclusive financial ecosystem that benefits both businesses and consumers alike.

Financial entities, ranging from fintech companies and cryptocurrency exchanges to traditional banks and credit unions, utilize our API to deliver a fully compliant banking framework alongside instantaneous clearing capabilities for their clients. This approach empowers businesses to expand according to their own criteria while maintaining a competitive edge. By leveraging our banking license, you can provide your clients with FSCS-protected accounts. We manage the banking solutions, allowing you to concentrate on building the enterprise your clients envision. Begin processing payments with increased speed and security by linking to our payment schemes through the API. Select from a variety of fully regulated accounts that best suit the needs of your business and its clientele. Our cloud-based API supplies the necessary banking infrastructure, enabling financial institutions to prioritize exceptional service delivery for their customers while remaining relevant in an ever-evolving market landscape. We recognize the challenges posed by outdated systems, including the associated costs and risks that come with innovating within the financial services industry, and we are here to help you navigate these hurdles effectively. Embrace the future of finance with confidence and agility.

Integrate your application seamlessly with your users’ financial information using a secure and straightforward Open Banking API. Create innovative and captivating products that will delight your users. Their financial data is available in various formats from numerous sources, and we facilitate access to over 90% of personal and business bank accounts across Latin America, including connections to tax agencies and gig economy platforms. With our Connect Widget, you can embed this feature into your product within minutes, allowing you to save valuable development time and concentrate on what truly matters. Our platform is designed with top-tier security measures and is currently in the process of obtaining ISO 27001 certification. Effortlessly connect your users’ financial accounts and enhance their data in just a few simple steps. From lending solutions to smart saving strategies, we’re here to help you develop exactly what your users require. By accessing, aggregating, and analyzing customers’ financial details, such as their income, you can create superior borrowing experiences that meet their needs effectively. Ultimately, our goal is to empower you to deliver exceptional financial solutions.

SecondLayer games integrate the real world into a dynamic gaming landscape. These games can range from simple activities like virtual checkers to elaborate interactive fantasy realms. By leveraging the variety of actual environments, SecondLayer gaming keeps the experience engaging and diverse. In this enriched metaverse, players can embark on adventures to uncover hidden treasures, participate in quests, and join various events that enhance their experiences. Visuals are particularly memorable for humans, and the SecondLayer metaverse aims to revolutionize education by making it more interactive, thereby fostering lasting knowledge. Nowadays, consumers are more inclined towards seeking unique experiences rather than just acquiring material goods. Through the SecondLayer metaverse, brands can engage with consumers in a novel, interactive manner. It represents an augmented reality space where users can experience, create, share, and trade freely without any centralized authority. The scale of the SecondLayer mirrors that of the Earth itself, offering limitless possibilities for exploration and interaction. In this expansive universe, every user can contribute to the richness of the experience, making it a truly collaborative environment.

Stripe Financial Connections enables users to securely share their financial information with your platform. By integrating this feature once, you can access financial data that aids in simplifying payment processes, mitigating fraud, assessing underwriting risk, and developing innovative products. Users can seamlessly link their financial accounts within seconds, enhancing both payment efficiency and overall product experiences. You can incorporate our authentication flow directly into your mobile application or website, or effortlessly integrate it into the payment user interfaces available in the dashboard. Streamline user experiences by authenticating accounts effectively to boost conversion rates. Additionally, you can quickly verify bank accounts and access data with permissions from a wide network of over 5,000 financial institutions. For any other US financial institution, you can utilize our hosted micro-deposit method as a fallback option. By leveraging a single Stripe integration, you can minimize development time while connecting to users' accounts and facilitating essential processes like onboarding and payments. Accessing the shared data from your users requires only a few simple lines of code, allowing for a more efficient and effective development process. This integration not only simplifies your workflows but also enhances the quality of services you can offer to your users.

Stripe Connect provides a streamlined solution for integrating payment systems into your platform or marketplace with remarkable speed and simplicity. Our APIs facilitate the creation and expansion of comprehensive payment experiences, encompassing everything from rapid onboarding processes to international payouts, while effortlessly managing payments KYC. You can accelerate your market entry without the typical initial costs or lengthy development periods usually associated with payment facilitation, thanks to our Stripe-hosted onboarding options. Transform payments into a significant revenue channel through our revenue share program or by adding a markup to each transaction. Expand your customer base globally with our extensive payments platform, which supports over 135 currencies and various local payment methods through a single integration. Additionally, you can leverage Stripe’s full range of financial services, such as providing financing, expense cards, or money management accounts to enhance value for your users. Whether you choose to utilize Connect’s pre-designed, optimized user interfaces or develop your unique flows, onboarding your users swiftly is a straightforward task. Overall, Stripe Connect not only simplifies payment integration but also empowers your business to thrive in the competitive market landscape.

Banxware delivers both the necessary technology and the financial resources for various types of business financing, seamlessly integrated into your platform or available as an affiliate option, all under Banxware's management. Assist your merchants in enhancing their platform revenues by providing them with straightforward access to capital that reflects their latest performance metrics. You take the lead in this process. If you're in search of comprehensive business financing solutions that can be embedded in your platform, just tell us what you need, and we will develop and manage it for you! Enable your merchants to access a cash advance program branded to your platform, which is directly linked to their transaction volume through your payment gateway. This approach can significantly boost merchant revenues within your marketplace. Additionally, you can offer a business lending product that is fully integrated into the merchant portal. We simplify the process of embedding business financing solutions into platforms to make it as effortless as possible. With our services, we can approve payout financing requests in as little as 15 minutes. Banxware empowers platforms to provide financing products tailored to recent financial transaction histories, such as merchant cash advances, ensuring that your merchants always have the support they need to thrive. By utilizing our solutions, you can foster a more robust ecosystem that benefits both your platform and its merchants.

SlipStream Financial: Corporate Payment Solutions Made Simple. Slipstream Financial is a fintech company that was founded on years of experience in the payment business. We develop treasury-class payment solutions for corporate clients, banks, credit unions and correspondent banks. Our payment gateway has already processed millions of transactions each month in a short period of time. Slipstream Financial has a long way to go before it becomes one of the best payment gateways in the industry.