Alternatives to Layer
Compare Layer alternatives for your business or organization using the curated list below. SourceForge ranks the best alternatives to Layer in 2026. Compare features, ratings, user reviews, pricing, and more from Layer competitors and alternatives in order to make an informed decision for your business.
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Wallester
Wallester
Wallester is an Estonian-licensed financial institution and official Visa partner since 2018, specialising in digital financial solutions and card issuance. We help companies across the EEA and the UK streamline payments, launch branded cards, and scale efficiently. What we do: 1️⃣ White-Label Solution with Embedded Finance Our White-Label solution lets businesses integrate financial services directly into their platforms—known as embedded finance. This enables branded payment cards tailored to specific needs, improving customer experience and opening new revenue streams. We ensure swift time-to-market with simplified integration and dedicated support. 2️⃣ Wallester Business: Corporate Expense Management Wallester Business modernises corporate expense management with instant access to virtual and physical Visa cards. Through our app and portal, companies can track expenses, analyse budgets, and integrate seamlessly with accounting systems for better financial control. -
2
Alviere Hive
Alviere
Alviere’s embedded finance platform allows any organization to seamlessly integrate financial products and services into their existing offerings, and provide customers and partners with the most comprehensive embedded financial solution on the market. Alviere’s platform offers an extensive range of customizable branded products and services that include FDIC-insured virtual accounts and physical card issuing, payments, digital global money transfers, and crypto/web3 products, all through one API integration. Alviere is a fully licensed and regulated financial institution, and provides comprehensive compliance, risk management, fraud/AML montioring and security to ensure long-term program success.Starting Price: $0 -
3
Sila
Sila
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. -
4
TrueLayer
TrueLayer
TrueLayer is the leading technology company providing secure, global access to financial infrastructure. Developers use our APIs to build best-in-class products that securely access data and initiate payments in real-time. Founded in 2016, TrueLayer is connected to major banks across the world, backed by leading venture capital, and trusted by some of the biggest names in fintech including Monzo, Revolut, and Zopa. By making the power of open banking accessible through our platform, TrueLayer enables developers across any industry — from startups to enterprises — to reinvent financial services. TrueLayer is available in the UK, Europe and Australia. Easily integrate next-generation payments and financial data into any app. Build powerful products your customers love. Send and receive money on the fastest rails at the lowest rates with a first-class user experience. No cards. No fraud. No chargebacks. -
5
finleap connect
finleap connect
finleap connect offers services via the cloud for banks seeking to digitize their business. finleap connect concentrates on fintech solutions, which can be integrated into existing infrastructure in a modularized form. The service provides data analysis capabilities and links existing data sets with machine learning tools. The finleap connect advertised offer is certified by BaFin. Focus on driving customer engagement while reducing the cost and complexity of embedding finance. Our modern, highly secure and BaFin approved cloud infrastructure supports partners across all stages of growth. Cutting edge data and analytics capabilities that build on connectivity to financial data with machine learning tools. finleap connect offers “full-stack” enablement for brands with digitally native, mobile-first “customer transactions”. Customer Interaction Layer are modular, branded products that power meaningful customer interactions. -
6
Quiltt
Quiltt
Quiltt offers turnkey consumer fintech infrastructure so anyone can launch innovative financial experiences. It doesn’t have to be. We’ve threaded together the infrastructure innovators need to quickly launch customer-facing features into their products - account connections, round-ups, bill management, and more - in a fraction of the time, at a fraction of the cost. Quiltt Connect is an embeddable UI module that lets you access a complete, context-rich financial picture of your customers. Built on the Quiltt GraphQL API, Connect comes pre-integrated with Plaid's industry-leading bank data network, and Spade's powerful transaction enrichment service. Connect can be added into your product experience with just a few lines of code, freeing your team to focus on your core innovations. -
7
Spinwheel
Spinwheel
Embed consumer debt solutions in your application. Spinwheel makes it easy to offer full-featured debt use cases in your app, starting with student loans. Our APIs and drop-in modules are built to address the American debt crisis directly from users native financial habitats. All the components you need to offer full-featured student loan products. We do the heavy lifting to deliver complete, clean data, and layer on insights like loan priority scores. With Spinwheel, payments are embedded, so borrowers know what and when to pay, and can do it easily from your app. Our beautiful, white-label drop-in modules make it a snap to create compelling end user flows. User-permission connectivity to comprehensive data and complex functions enable your app to do almost anything a user can do at a loan servicer. Intuitive APIs, low-code modules, clear documentation, and outstanding support. Pay down or payoff, we make it easy to create a payment and apply it correctly. -
8
HUBUC
HUBUC
From a single API and with just one contract, HUBUC covers compliance and provides access to fintech and banking services for brands to create new revenue streams, increase customer loyalty and enhance user experience. We offer: - Embedded Banking: open local IBAN accounts within your product. Receive funds instantly and reconcile transactions with intelligent automation across 58 countries. - Embedded Cards: grow your business and launch new services at pace with prepaid, debit and credit cards which are connected to the world's largest payment networks. 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.Starting Price: $0 -
9
JustiFi
JustiFi
Traditional payment processors capture the lion’s share of profits from the funds flowing through your platform with a legacy architecture that suppresses the value of your company. That’s not right. We deliver payment and embedded fintech solutions that accelerate the potential of vertical SaaS platforms. Enable sub-account architecture and control your processing costs from the beginning. Archive 100+ basis points of keeping with a team & tech that obsess over your opportunity. Give customers the financial tools they need to grow and achieve 200+ basis points of the keep. Execute the go-to-market strategy to activate your customers and optimize embedded fintech usage. Of course, you need the right sub-account architecture and below-market-rate pricing to be in the payments game. But it takes much, much more to win. The JustiFi payments & embedded fintech platform, combined with our team of strategic payment experts, will help you win the payments game. -
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Teal
Teal
Offer your customers accounting software directly inside your platform. With Teal, you can build the financial hub that drives attachment and engagement with the rest of your financial services products. Build the complete financial operating system for your customers. Give your customers the critical insights they need to run their business, by combining data from multiple sources into Teal's general ledger. Build the single source of truth for your customers' finances and accounting, and watch the attached rates on your financial services products grow. Use our out-of-the-box integrations to ingest data and produce insights, or submit your own data through our API. Go live with your fully featured accounting suite in weeks, not quarters. Teal gives you modular front-end code snippets that can be incorporated into your core product and modified to your exact requirements. Our implementation engineers will work closely with your team to get you to your target implementation, fast. -
11
jaris
jaris
jaris makes it simple to offer private-label embedded financial services your small business customers need, within one platform. Increase customer satisfaction with private-label, high-value financial solutions businesses rely on. Implement in-demand solutions like Credit as a Service in months (not years) with jaris’ purpose-built API. From underwriting to financing and servicing, jaris offers a complete, all-in-one, full-stack financial solution. Be indispensable to your customers by providing easy-to-use financial services they simply can’t live without. Deliver modern, fast financial services to customers exactly when and where they need them. Offer embedded financial solutions to gain greater market share while leapfrogging the competition. Deliver quick, highly competitive financing solutions within your own customer application, providing a seamless and innovative user experience. -
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Daxia
Daxia
Daxia is an embedded finance platform that helps businesses from various industries transition into the fintech space, enabling them to unlock new revenue streams. Through a comprehensive, end-to-end solution, Daxia allows companies to develop and launch custom fintech services quickly, enhancing customer experience, data management, and security. The platform offers various solutions, including strategic advisory to guide companies in becoming fintech players, open APIs to incorporate fintech into existing business models, and tools for managing digital assets and ensuring data security. Daxia also provides tokenization to protect sensitive data, ensuring compliance and minimizing risks associated with unauthorized access. The platform is designed to help businesses from industries like consumer, retail, ecommerce, banking, energy, and telecom integrate fintech capabilities into their operations. -
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Powens
Powens
Powens is a leading open finance and embedded banking platform that empowers financial institutions, fintechs, and software vendors across Europe and LATAM to create innovative products and streamline their financial operations through frictionless and fully automated banking and payment experiences. It connects to over 1,800 financial institutions across 12+ European countries, offering real-time access to standardized bank account data, including detailed balances, transactions, and historical data from current accounts. Powens' comprehensive suite includes data & document aggregation solutions, data processing solutions, and accounts & payment solutions. Powens' high-quality standards are evidenced by a 99.5% data refresh success rate and a 99.95% API availability rate over 11 years. -
14
CoreWallet
trimplement GmbH
CoreWallet is a software framework for building emoney management, virtual account management and online payment processing solutions for different kinds of businesses, e.g.: - eCommerce and online marketplace platforms looking for custom-tailored payment orchestration software - fintech businesses who must ensure compliance with AML regulations, PCI DSS and KYC requirements in their system - service providers wanting to develop a white-label eWallet or payment gateway solution to sell on to third-party companies - banks seeking to provide modern add-on services for their customers - and many others 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. Detailed description of the CoreWallet modules and features can be found on the online documentation portal.Starting Price: €50,000 per year -
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Stitch
Stitch
We help businesses easily develop more user-friendly, innovative and inclusive digital finance products, at lower costs and without fraud. Stitch helps fintech and embedded businesses across Africa quickly onboard users and enable seamless bank-to-bank payments. Make it as easy as possible for your customers to pay with one-click checkout – and save on expensive card fees. Improve your customer and supplier onboarding experience and enable seamless payments across your marketplace or platform. With Stitch, PSPs and payments aggregators can enable their merchants to offer instant and zero-fraud pay-by-bank checkouts, at a fraction of the cost to card payments. Make paying out to customers and suppliers as easy as paying in, by leveraging the same account linking to generate a direct payout to their financial account of choice.Starting Price: 1% Fee -
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Flinks
Flinks
Flinks is the creator of a powerful no-code platform and financial data APIs that make it easy and efficient for your team to build with financial data. Trusted by millions of individuals accessing financial services at world-class companies, our purpose is to make the struggles of open banking a thing of the past. Flinks’ products at-a-glance: Enrichment — Get actionable insights on financial data for credit, fraud, and behavior; Connectivity — Let users connect their bank accounts to your products; Outbound — Deliver a winning Open Banking program. Flinks also supports financial service providers across industries and sizes — from consumer and commercial lending, payments, digital banking, fintech, to wealth management, we power different use cases and enable financial innovation for you and your customers. -
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OpenPayd
OpenPayd
Build, upgrade, and grow with easy access to an entire financial ecosystem. Accounts, FX, domestic and international payments, acquiring, open banking, and more - all delivered through a single, developer-first API. Create new and exciting customer experiences by embedding financial services within your products. Your customers never need to leave your ecosystem again. Improve customer-facing and back-office operations with seamless integrations with your existing systems. Move all your services to OpenPayd and enjoy market-leading rates, coverage, technology, and support. Scale at speed by accessing local payment rails, unrivalled FX management, an extensive network of global licences, and much more. Make and receive payments locally or internationally with access to OpenPayd's global banking network. -
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Solid
Solid
Instantly create bank accounts, offer crypto wallets, send payments, and issue cards to your customers. Solid offers a fully integrated & compliant suite of FinTech services. Integrate in minutes to build never-before-seen experiences. Solid's Banking as a Service (BaaS) enables companies to build and launch deposit products, such as business and consumer checking accounts. It includes the ledger, statements, and everything needed to create delightful banking experiences. Solid's Card Issuance and Management platform is the first of its kind. Issue cards are the modern way, to serve the needs of your customers, with one single API. Credit, debit, and prepaid cards, both in physical and virtual form factor, are all fully managed by Solid. Engage your customers with a light & powerful experience, in your product, with Solid's instant bank /account creation API. Issue branded physical and virtual cards instantly, with the spending controls they need with Solid's /card API.Starting Price: Free -
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LendAPI
LendAPI
LendAPI is a highly flexible, infrastructure-first lending and financial services platform that enables organizations to build, launch, and scale custom credit products without the drag of legacy systems. Its Product Studio offers a visual no-code interface to design and publish new lending products in days, while the Decision Engine, Rules Studio, and integrated Pricing Engine allow dynamic rule-configuration, underwriting logic, and pricing strategies to be updated instantly. It includes core modules for Loan Origination and Loan Management, supports embedded-finance use cases such as point-of-sale financing, BNPL (Buy Now Pay Later), real-estate lending, and virtual cards, and offers deep integrations with KYC/KYB, credit-bureau data, fraud-prevention tools, and document-automation. With more than 270 pre-built integrations and a fully API-driven architecture, LendAPI enables fintechs, banks, and retailers to reduce manual review by ~30%. -
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Bond
Bond Financial Technologies, Inc.
Bond allows any company to become a fintech. With Bond, you can build financial services, from KYC to account opening, money movement to card issuance, and more — all in a single, unified platform. Automation has never looked so good. Watch as 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. 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. -
21
Bankable
Bankable
We enable and serve dominant financial institutions, corporates and FinTech entrepreneurs to bring to market highly differentiated payment solutions supported by a very strong, immediate business case. We deliver significant new net revenues and cost-savings by leveraging our fast, scalable and secure API and white-labelled platform to deploy targeted solutions. Our interoperable proprietary platform is PCI-DSS certified (Payment Card Industry – Data Security Standards) and hosted in Tier-4 data centers with the highest level of security certification. Bankable's Virtual Ledger Manager is a cloud based virtual account solution applicable on top of any bank account enabling enhanced cash management for global corporates. It is a multi-bank solution capable of processing standardised and proprietary data formats from multiple banks. -
22
Yodlee
Yodlee
Yodlee is a leading financial data intelligence platform that connects, enriches, and activates data to help financial institutions and innovators deliver smarter, more personalized customer experiences. With over 601 million connected accounts and 19,000+ data sources, Yodlee provides unmatched access and accuracy for digital banking, lending, wealth management, and payments. Its intelligent APIs and analytics tools enable real-time insights that drive customer engagement, growth, and loyalty. Backed by over 25 years of innovation, Yodlee powers some of the world’s top banks, fintechs, and financial platforms. From open finance to account verification and AI-driven insights, the platform transforms raw financial data into actionable intelligence. Simply put, Yodlee empowers organizations to connect data, activate insights, and drive sustainable growth. -
23
Railsr
Railsr
Making embedding finance into apps and customer journeys as simple as drag and drop. One platform to access a complete set of global financial capabilities. A super simple API for developers to embed global financial services directly into your app or customer journey. A global operations and license platform that processes billions of dollars annually to run your embedded financial services for you. Or if you have your own licenses and financial operations capabilities, these can be plugged in and you can use ours to scale to new geographies. Simple APIs to build and integrate any financial use-case into your own customer experience. You concentrate on product design, marketing, and engaging customers, we do all the rest. Instantly create single-use virtual debit cards to manage SaaS and other subscriptions like Netflix. Integrate wage advancing seamlessly into the payroll processes. -
24
Productfy
Productfy
With embeddable features backed by unified due diligence and a flexible general ledger, companies have access to a unified platform that provides the building blocks to accelerate innovation and launch world-class products. Use our application builder to configure your application. We’ll generate a customized guide to make your integration quick and easy and an implementation timeline so you’ll know what to expect. We’ll build your sandbox environment. You can deploy a white-labeled turnkey solution, integrate with our API or SDKs, or use any of the UI widgets to build your own product. Optionally, we can deploy the application inside your existing cloud infrastructure so you can maintain full control of compute, storage, and version. Depending on your application, you can deploy in as little as three weeks. We’re committed to help you launch a world-class product! Bundle account verification, linking, and ACH transfers with a unified solution. -
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actyv.ai
actyv.ai
Embedded finance offerings for the B2B ecosystem orchestrated on a single platform enable enterprises, distributors, and retailers, and financial institutions to rapidly grow their business. actyv.ai brings together cutting-edge technology and embedded financial offerings, catering to each of the B2B supply chain ecosystem stakeholders. Onboard business partners rapidly in a completely digitized process using actyv Go. Ensure data-backed decision-making and remove subjectivity while onboarding business partners leveraging actyv Score. Get access to embedded buy-now-pay-later payment options for your working capital needs through actyv PayLater and secure your BNPL credit through bite-sized actyv Insure. actyv.ai’s platform provides quantifiable benefits to all stakeholders in the B2B ecosystem. A seamless onboarding and scoring experience with access to embedded finance offerings on a single platform. -
26
Stripe Treasury
Stripe
Stripe Treasury is a banking-as-a-service API that lets you embed financial services in your marketplace or platform. With a single integration, enable your customers to hold funds, pay bills, earn yield, and manage cash flow. Stripe Treasury provides the modular components you need to build a full-featured, scalable financial product for your customers. We’ve partnered with banks to enable ACH and wire transfers, FDIC insurance-eligible accounts, and faster access to payment funds, all within your platform. Create an account object with a single API request. Onboard users verify their identity and provide an account with one of our bank partners in minutes. Establish a store of funds and configure the properties of your financial product. Enable different ways to transfer funds in and out of an account. Issue custom payment cards to give users more ways to spend their funds. Stripe Treasury is built in partnership with a network of banks. -
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Hydrogen
Hydrogen Platform
Embedded Finance Made Simple. Quickly embed financial services in your business using ONE connected no-code platform. Fintech is Hard. We Make it Easy and Embeddable. There are dozens of contracts, approvals, integrations, and workflows needed to build fintech. Luckily, Hydrogen has done all of the hard work for you, saving you 80% of the cost and time! Explore our embedable products: Cards Physical & Virtual Card Issuance. Cards. Issue physical and virtual debit cards with our fully built and configurable embeddable apps. No lockups, minimums, or program setup. Plus, earn revenue on every swipe! Payments ACH, Bank Auth, P2P, Roundups Payments Add ACH, bank auth, P2P, wallets, roundups, and other payments to your business, with our fully built and configurable embeddable apps. Money, Personal & Business, Finance. Add aggregation, accounting, cash flow, and budgeting analytics to your business, with our fully built and configurable embeddable apps. -
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Meld
Meld.io
Meld empowers developers to build a Multi Vendor Fintech stack. With a few lines of code, developers gain access to a wide range of financial integrations across multiple domains. Meld helps you lower your overall 3rd party vendor costs, increase coverage and conversion rates, and save you time by launching integrations across markets faster. We provide performance analytics for every provider you integrate with - putting you back in control of your fintech stack. -
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Treezor
Treezor
Embed financial services into your client experience and enhance your business offer thanks to Treezor’s white-label solution. Treezor, the European banking-as-a-service leader, will support you throughout your payment project, every step of the way. A wide range of financial services to support all of your projects. Our modular one-stop-shop solution makes it possible for any company (fintechs and large businesses) to accelerate their banking projects by outsourcing any of their payment needs to us. Rely on Treezor’s regulatory, security, and tech expertise to smoothly embed payments into your customer journey. Treezor represents a creative and innovative hub for the best European fintechs to accelerate the digital transformation of payments. Treezor is the preferred platform for innovative companies, startups, fintechs, neobanks and more. One contract, one API, and one integration, with multiple services and endless possibilities. -
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VoPay
VoPay International Inc
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.Starting Price: $10.000 Annual -
31
Tint
Tint
We help brands embed insurance and assurance into their platform. The key to profitable embedded solutions with high conversion rates is making insurance a feature of your platform - not a standalone product. We’re skilled at delivering off the shelf and bespoke embedded insurance and assurance solutions. We partner with capacity providers, insurers, and more to deliver on our promise of white-labeled, relevant coverage for intrinsic risks. We offer infrastructure to support a wide range of embedded programs and provide expert guidance - helping companies build efficient, compliant and profitable programs. White-labeled embedded protection doesn’t replace the insurance you already have. They're an added layer that improve your customer experience while making you money. -
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Ninth Wave
Ninth Wave
The Ninth Wave Platform is a single, comprehensive open banking solution that enables financial institutions to securely and efficiently share permissioned data with a wide array of third-party applications including aggregators, fintechs, accounting and ERP solutions, personal financial management and wellness tools, tax prep software, and other consumer and business solutions. With Ninth Wave, retail and commercial banks, credit unions, wealth and investment managers, and other financial services firms can give their customers fast, convenient access to their data on their terms – at any time, through whatever app or solution they choose. The result is an enhanced digital experience that boosts satisfaction and loyalty, attracts new customers, opens up new revenue streams, reduces risk, and ensures regulatory readiness for our clients. -
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Unit
Unit
Unit is the leading embedded finance platform that helps tech companies launch embedded capital, banking, and bill pay. Its ready-to-launch solutions require zero build and can go live in as little as three weeks - helping companies grow revenue, delight customers, and win their markets. Unit’s products serve millions of users across customers like Wix, Bill.com, Honeybook, Relay, and Homebase. Headquartered in New York City and Tel Aviv, Unit is backed by top investors like Accel and Insight Partners. -
34
Salsa
Salsa
Launch your payroll product faster. Grow revenue and delight your customers by launching payroll without the engineering hassle. Delight your customers with payroll built into your platform. We’ll delight you with an effortless product launch. Become indispensable adding a payroll solution on top of your existing features, which means your customers can get everything done inside their favorite platform. We haven’t just replicated what’s out there, we’ve leveled up. Our infrastructure is faster to set up, easier to maintain, more scalable, and less error-prone. Now available in the U.S. & Canada. Launch your product out in the world within just a few weeks and get fast, valuable feedback from customers to keep growing. The Salsa team is the most experienced in the industry. We’ll be behind you every step of the way and can help you design, research, and build. Our tools combine ease and flexibility with maximum customization. -
35
SDK.finance
SDK.finance
SDK.finance is a white-label core payments platform, serving as a backbone for building fintech products on top. Available in cloud PaaS and on-premise with the source code license versions, the platform caters to businesses of all sizes - from startups seeking affordable software to SMBs and enterprises that need scalability and independence.Starting Price: Contact us -
36
Basiq
Basiq
Basiq is the leading open banking platform enabling developers to build innovative financial solutions. We provide secure access to customer-consented financial data and powerful APIs that uncover valuable insights. We're powering the future of financial apps and services with solutions for wealth managers, banks, fintechs, and more. Get access to complete and reliable banking data to deliver more engaging, personalised digital banking experiences. Use our advanced income algorithms to reliably identify all sources of income such as regular, variable and casual income streams. Enabling you to streamline individual assessments and make faster lending decisions. Provide your customers with a rich digital experience by helping them better understand where they’re spending. Use Basiq Enrich to identify the merchant, location and category of each bank transaction.Starting Price: $0.39 per user per month -
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ClearBank
ClearBank
Financial institutions, from fintechs and crypto platforms to banks and credit unions, use our API to offer their customers a fully regulated banking infrastructure and real-time clearing access. That way the business can grow on your own terms, and stay ahead at speed. Offer your customers FSCS-protected accounts by leveraging our banking license. We take care of the banking products so you can focus on creating the business that your customers dream of. Start processing payments faster and more securely by connecting to the payment schemes via our API. Choose the fully regulated accounts that work best for your business and your customers. With our cloud-based API, we offer banking infrastructure so financial institutions can focus on providing the best service for their customers and stay relevant in a fast-paced market. We understand the pain of dealing with legacy systems, the cost, and the risk involved in innovating in the financial services sector. -
38
Suterusu
Suterusu
Millions of transactions are taking place on blockchain everyday, but people have to expose individual privacy as anyone who knows your address can read your entire financial history. Suterusu invented a trustless and universal Layer 2 privacy-protection protocol - Suter Shield delinks the sender and receiver address, and give you full protection for your transaction data via advanced cryptography. Delink Sender and Receiver address going in and out of Layer 1. Complete privacy protection for both user identities and transaction details within Layer 2. Designed and integrated an advanced ZK-ConSNARK scheme with almost constant size proof, efficient proof generation and verification. -
39
Atomic
Atomic Financial
Atomic Financial offers a suite of powerful financial connectivity tools designed to enhance consumer financial experiences. By providing APIs and SDKs, Atomic helps developers build, integrate, and launch financial products that streamline payroll, direct deposits, income verification, and more. The platform offers solutions across multiple sectors, including investing, real estate, tax, insurance, and lending, making financial services more accessible and efficient for users. With a focus on security and seamless user experiences, Atomic empowers organizations to create customized, real-time financial solutions while maintaining strict data privacy standards. -
40
Belvo
Belvo
Connect your app to your users’ financial data in the easiest and most secure way through a single Open Banking API. Build engaging and next-generation products your users will love. Your users' financial data comes in multiple formats, from different sources. We connect to over 90% of personal and business bank accounts in Latin America, as well as tax institutions and gig economy platforms. Our Connect Widget can be integrated into your product in just minutes. Save months of development and focus on what really matters to you. Our platform is built on top of best-in-class security infrastructure and we are currently going through ISO 27001 certification. Connect your users’ financial accounts and enrich their data in simple steps. From lending to smart saving, we’ll help you create what your users need. Access, aggregate, and interpret customers’ financial information, such as their income, to build better borrowing experiences. -
41
Stripe Connect
Stripe
Stripe Connect is the fastest and easiest way to integrate payments into your platform or marketplace. Our APIs enable you to build and scale end-to-end payments experiences, from instant onboarding to global payouts and create new revenue streams, all while having Stripe handle payments KYC. Get to market faster without the upfront costs or development time usually required for payment facilitation, with Stripe-hosted onboarding. Make payments a powerful source of revenue with our revenue share program, or mark up payments to earn on every transaction. Reach more customers worldwide with a global payments platform, and support 135+ currencies and local payment methods through a single integration. Monetize Stripe’s complete suite of financial services products by offering financing, expense cards, or money management accounts to your users. Whether you use Connect’s pre-built, optimized UIs or build your own custom flows, it’s easy to get your users up and running quickly.Starting Price: $2 per month -
42
Secondlayer Micro-Surveys
Secondlayer
secondLayer games use the real world and create a playing field within it. The game itself can be as simple as a virtual checkers or more advanced like a complete interactive fantasy environment. secondLayer gaming uses the diversity of real-world environments to keep games interesting. Explore the secondLayer metaverse enriched real-world and find hidden treasures, quests, events and other augmented experiences. Human memory doesn’t forget visuals easily. secondLayer metaverse will bring education to life and make it more interactive to create sustainable knowledge. Consumers today no longer necessarily strive for possessions, but for special experiences. secondLayer metaverse allows an interactive experience between brand and consumer. secondLayer is an augmented reality metaverse where users experience, create, share and trade without central control. The size of the secondLayer corresponds to the size of the earth. -
43
Stripe Financial Connections
Stripe
Stripe Financial Connections lets your users securely share their financial data with you. Integrate once to retrieve financial data and use it to streamline payments, reduce fraud, and underwriting risk, and build new products. Let your users connect their financial accounts in seconds to improve payments and product experiences. Embed our authentication flow into your mobile app or website, or easily add it to our payment UIs in the dashboard. Authenticate accounts and maximize conversion with a streamlined user experience. Instantly verify bank accounts and retrieve permissioned data from a broad set of 5,000 financial institutions. Fall back to our hosted micro deposit flow for any other US financial institution. Reduce development time by using a single Stripe integration to connect to users’ accounts and power common processes, such as onboarding and payments. Get access to the data your users have shared with a few lines of code.Starting Price: $1.50 per account -
44
SlipStream Financial
SlipStream Financial
Unlock the potential of your business with SlipStream Financial, the leading provider of Banking as a Service (BaaS) and Embedded Banking solutions for small to midsize companies. Our modernized Financial Hub is designed to revolutionize your current market offering and banking / payment experience. Step into the future with our foundational elements designed to modernize your financial services. Our comprehensive BaaS technology suite is fully equipped with every connection necessary for establishing bank accounts, transferring funds, facilitating online transactions, issuing cards, and enabling you to partake in generated revenue. -
45
Banxware
Banxware
Banxware provides the technology and the funds for business financing of any kind, fully embedded in your platform or as an affiliate solution, all managed by Banxware. Help your merchants grow their platform revenues. Provide your merchants with easy access to capital based on their most recent performance. You’re in the driver's seat. Looking for integrated business financing of any sort embedded in your platform? You define your needs, we build and run them! Offer your merchants a platform-branded cash advance program based on transaction volume, straight from your payment gateway. Increase merchant revenues on your marketplace. Offer a business lending product embedded in your merchant portal. We make integrating business financing solutions into platforms as easy as 1-2-3. We approve payout financing within 15 minutes. Banxware empowers platforms to offer financing products based on recent financial transaction history such as merchant cash advances. -
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NovoPayment
NovoPayment
NovoPayment’s API-based platform delivers digital banking, payment, and card solutions in record time. Whether you're starting from scratch, enhancing, or expanding in multiple markets, we provide the onboarding, digital core, and direct local integrations to meet your needs and stay agile. Our streamlined Visa or Mastercard prepaid, debit, and credit solutions provide all you need to deploy your consumer, SMB, or corporate programs. Launch physical or digital card programs through our native and embedded APIs and issuing infrastructure. Let users manage their digital multi-currency accounts in real-time by accessing multiple wholesale FX rates and service providers in our application network. Enable instant virtual and physical card issuing for open and closed-loop programs to fit your use case. Payments are the fuel of strong businesses. From real-time to secure remote commerce, we provide a complete set of payment tools for the digital economy. -
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Payneteasy
Payneteasy
Payneteasy's gateway is a fully brandable, white-label solution. You can own the end-to-end ready-to-use, PCI DSS gateway without unnecessary development costs or labor. With no iFrames or redirects, and a 99.997% uptime track record, you or your merchants can start accepting payments immediately. Payneteasy is here to facilitate the creation of an efficient and user-friendly payment platform for every business. Our payment gateway will ensure a smooth shopping experience for your customers, minimize fraud risks, and significantly increase the conversion rate. We provide every customer with a tailor-made solution in no time, banks, merchants, and APMs can be integrated within a week! Improve your service by starting to accept international one-time and recurring payments. You don't have to lose any business opportunities. With us as your flexibility layer, anything is possible. Payneteasy's system is matured and has proven unbeatable uptime. -
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Bannersnack
Bannersnack
Bannersnack is a cloud-based, drag-and-drop banner creation platform tailored for producing high-quality static, animated, and responsive HTML5 visuals, without any coding skills required. Users can design banners from scratch or start with a vast library of professionally crafted templates optimized for ad networks and social media platforms like Facebook, Instagram, Twitter, and YouTube, then easily animate elements using presets or custom transitions within an intuitive timeline editor. Its Smart Resize (Banner Generator) feature enables users to generate entire banner sets, from rectangles to social media sizes, with intelligent layer scaling in a single click. It supports full design control, layer management, color editing, brightness/contrast adjustments, clickable elements, and multimedia embedding. Completed designs can be exported as HTML5, GIF, JPG, PNG, MP4, or embedded directly via code, and performance can be tracked using integrated analytics and heatmaps.Starting Price: $7 per month -
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Pinwheel
Pinwheel
Pinwheel is the leading payroll connectivity API company used by the biggest financial institutions to securely update direct deposits and access income and employment data. Pinwheel’s platform offers a suite of products to empower innovators of all sizes to leverage payroll account connectivity. Switching direct deposits is usually a painful process involving paper forms and HR teams. Make it easy with Pinwheel’s digital drop in solution. View a real-time feed of your customers' direct deposit allocations and get notified when they change. Use this knowledge to better understand your customers and to craft engaging experiences for them. Access source data from payroll systems to streamline and automate income and employment verification, improve your underwriting models, and more. Reduce loss rates and increase your serviceable market by enabling your customers to pay their loans directly from their paycheck. -
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Wallet Engine
Wallet Engine
Wallet Engine enables apps to seamlessly embed financial accounts into any user experience. This provides the foundation for contextual peer-to-peer payments, micro-finance, in-app economies, and everything in between. We take care of the complexities arising from cross-border e-money operations, regulatory compliance and local network integrations so that apps can focus on their business. Meeting regulatory and compliance standards in multiple jurisdictions. Connected to 900,000+ top-up & withdrawal channels around the world. Built for rapid scale and high-volume transactions on core-banking technology. Fully customizable fee structure unique to a customer's requirements. We understand the challenges to financially connect people from around the world and we are focused on providing developers with simple and composable products to rapidly deploy embedded financial features across a global user base.Starting Price: $2.50 per user per year
