8 Embedded Finance Companies Changing the FinTech Game
Sofia LopezContent Manager
Last updated 21 November 20258 min read
The way we manage money in daily life is changing. And embedded finance companies are leading the charge in this transformation.
Put quite simply, embedded finance is the concept of integrating financial services (think payments, digital wallets, or insurance) into non-financial appsâor any platform where these services are not already a core offering.
In the last few years, embedded finance has exploded in the fintech world. These integrated finance providers improve the way people access financial services by turning them into organic elements within familiar platforms. Embedded finance companies are reshaping how people manage money in daily life, all the while providing new opportunities for growing brands.
Itâs likely youâve used embedded finance services in the pastâeven if you werenât familiar with the concept of âembedded finance.â Have you ever encountered any of the following?
Embedded finance companies are transforming how we access financial solutions. With the growth of BNPL options and the transformation of insurance, embedded finance is poised to continue growing for years to comeâand these companies are some youâll want to watch.
Check out some of the worldâs top embedded finance companies!
A leading provider of payment-processing solutions for online and mobile businesses worldwide, Stripe was established in Palo Alto and has since expanded to serve a global audience. Through embedded finance features, Stripe offers banking-as-a-service, including accounts, cards, and financing, allowing companies to natively integrate financial services within their products.
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Established in California in 2013, Plaid offers a set of fintech data and payments APIs that help apps connect with usersâ bank accounts securely. They can function as a smart pipe to connect to bank wacounts, with services that include onboarding and identity checks, real-time balance and transaction data, and payment initiationâall designed to make it easier for developers to build financial features into their products.
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Affirm tackles payment flexibility with BNPL, embedding credit right during the check-out process. Another California company, Affirm has been around since 2012 and is already integrated in thousands of e-commerce sites.
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A pioneer in embedded insurance, Chubb allows brands to embed a wide range of personal and industry-specific business insurance within their journeys. Their products include home ownersâ insurance, pet insurance, auto coverage, professional liability, workerâs compensation, and more.
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If youâre looking for embedded personal insurance, Eleos Life has you covered with their term life and disability insurance. Free to launch and bundled with marketing support, itâs one-click insurance brands can launch in as little as one day. Additionally, policies come bundled with free wellness perks to help drive engagement, including unlimited access to virtual primary care (no health insurance required) and six mental health counseling sessions per year.
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Marqeta is a card issuing platform that allows brands to create their own custom card programs. Certified to operate in 40+ countries, Marqeta provides everything from virtual cards to risk control.
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Parafin allows brands to offer their business customers quick access to funding. Their white-labeled, AI-powered financing solution provides access to fast and flexible working capitalâembedded right into the platforms that business owners already use to operate.
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When it comes to embedded investment options, DriveWealthâs Brokerage-as-a-Service platform provides brands with an API-based financial service that allows clients around the world to trade and invest right from their mobile!
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Embedded finance changes how people interact with financial services, building new bridges for people to access banking, lending, insurance, and a myriad of other products.Â
The future will likely see embedded products and services across a range of industries, including retail, personal finance management, healthcare, and business-to-business operations. As technology advances open new pathways, embedded finance is likely to continue evolving, democratizing access to financial services, simplifying transactions, and turning outdated processes and applications into instant AI-driven decisions.
To be competitive in todayâs neobanking landscape, Nubank knew they needed to go beyond the basics. They needed a way to deepen customer relationships while generating passive income: and embedded insurance was the key.
White label insurance partnerships let brands launch embedded life and disability coverage under their own name without upfront costs or operational complexity. Learn how it works, key benefits, real-world use cases, and why now is the perfect time to add white label insurance to your platform.
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