established · -1.6 capabilitymarket resourcedomain

Embedded Finance

Score 24.4 / 100 178 providers +8 via APIs 24 APIs Search apis.io →

Providers using this tag (178)

Ranked by API Evangelist rating — Exemplar and Strong are expanded by default.

Exemplar 6 Complete, well-documented, and agent-ready
AirwallexCross-Border PaymentsFintechForeign ExchangePayments1 API83.8UpholdCompanyCryptocurrencyDigital AssetsPayments5 APIs79.6MoovBankingFinancial InfrastructureMoney Movement3 APIs74.4WeavrBanking as a ServicePaymentsCards5 APIs72.2LiliBankingBusiness BankingFinancial ServicesFintech3 APIs68.7ResolveCompanyPaymentsB2BNet Terms2 APIs67.6
Strong 9 Solid coverage with minor gaps
MoniteCompanyInvoicingAccounts Payable5 APIs66.3VoPayPaymentsCanadaPayments-as-a-Service23 APIs62.3BondCompanyUnited StatesBanking as a Service18 APIs58.2hi.healthCompanyInsurancePaymentsCards2 APIs65.3UnitFintechBanking as a ServiceBankingPayments18 APIs64.7FinixCompanyFintechPaymentsPayment Processing1 API61.9KotaCompanyFintechInsuranceEmployee Benefits2 APIs61.4HighnoteCard IssuingCard AcquiringBanking as a Service1 API60.9Fiat RepublicCompanyBankingPaymentsFintech6 APIs55.2
Developing 45 Usable, with meaningful gaps to close
Q2CompanyFinancial ServicesBanking1 API48.5WayflyerCompanyE-CommerceFintech2 APIs47.5ToqioFintechBanking as a ServicePayments17 APIs47.2R2CompanyFinancial ServicesLending1 API43.3Zero HashCompanyCrypto InfrastructureDigital AssetsStablecoins2 APIs54.2ModulrPaymentsUnited KingdomBanking as a Service1 API53.9NovoPaymentPaymentsBanking as a ServiceCard Issuing15 APIs53.8Lucra SportsGamingSportsGamificationLoyalty1 API53.5IFCompanyFinancial ServicesBanking as a Service11 APIs52.7JikoCompanyBankingPaymentsTreasury2 APIs52.1The Bank of LondonCompanyBankingClearing BankPayments1 API51.8LynxCompanyHealthcareFintechPayments18 APIs51.7Mesh ConnectCompanyCrypto InfrastructureCrypto PaymentsDigital Assets2 APIs51.0SimplifipayCompanyCardsCard IssuingVirtual Cards1 API49.1Ramp NetworkCryptocurrencyPaymentsFintechOn-Ramp2 APIs49.0MarqetaFintechBanking as a ServiceCard IssuingPayments2 APIs48.6Even FinancialCompanyFinancial ServicesFintech1 API48.4Upward FinancialCompanyFintechCreditCredit Building1 API48.4CadanaCompanyPayrollPaymentsGlobal Payroll5 APIs48.2CheckPayrollEmbedded PayrollPayroll InfrastructurePayroll API1 API47.7LendAPICompanyLendingLoan OriginationFinancial Services1 API47.7ImprintCompanyFinancial ServicesFintechCredit Cards1 API47.2IncreaseFintechBankingPaymentsACH1 API46.6SolarisCompanyFintechBankingBanking as a Service1 API46.1SlopeCompanyFintechPayments1 API45.5AscendCompanyFintechInsuranceInsurtech1 API45.4DefactoCompanyFintechLending1 API45.3TellerooCompanyPaymentsBulk PaymentsPayroll2 APIs45.3NymcardCompanyPaymentsCard IssuingBanking as a Service1 API45.0GigsCompanyTelecommunicationsConnectivityeSIM1 API44.5WealthKernelCompanyInvestingWealth ManagementBrokerage1 API44.4SunbitBuy Now Pay LaterPoint of Sale FinancingConsumer LendingPayments2 APIs44.3FinmidCompanyEmbedded LendingB2B Payments2 APIs44.2LithicFintechCard IssuingPaymentsIssuer Processor1 API44.0NomosCompanyEnergyElectricityUtilities1 API44.0CoinListCompanyFintechCryptocurrencyToken Sales1 API43.0ChargeAfterFinancial ServicesPaymentsLendingBuy Now Pay Later13 APIs42.9KlutchCompanyFinancial ServicesFintechCredit Cards1 API42.9NavBusiness CreditSmall BusinessFinancial Services1 API42.8Open (open.money)Connected BankingNeobankSmall Business12 APIs42.3Vayana NetworkCompanyTrade FinanceSupply Chain FinanceTax Compliance1 API41.5Fifth Third BancorpBankingUnited StatesBanking as a Service1 API41.0CapchaseCompanyFintechPayments1 API40.8Credilinq.aiCompanyFintechLending1 API40.4KanmonCompanyFintechEmbedded Lending1 API39.4
Thin 35 Limited public surface area
ALVIERECompanyFintechBanking1 API32.0FidelCompanyPaymentsCard LinkingTransaction1 API39.1TopiCompanyFintechHardware as a ServiceRentals1 API38.9Customers BankFinancial ServicesBankingUnited StatesBanking as a Service10 APIs38.8lemon.marketsCompanyFintechBrokerageInvesting1 API38.8PrizeoutCompanyAdvertisingRewardsGift Cards1 API38.8flowpay.ioCompanyFinancingLending2 APIs38.7Acorn FinanceCompanyFinancial ServicesLendingLoans1 API38.5PallaCompanyFintechPaymentsCross-Border Payments7 APIs38.1Column TaxCompanyFintechTaxTax Filing1 API38.0SavvyMoneyCompanyFinancial ServicesCredit ScoreCredit Monitoring2 APIs37.9GustoHuman ResourcesPayrollBenefitsEnterprise Software1 API37.2KriyaCompanyFintechPayments2 APIs37.1Muse FinanceCompanyInvoice FinanceTrade Finance1 API36.8FalconCompanyInfrastructureFinancial ServicesBanking93 APIs35.7MambuCompanyFintechBankingCore Banking1 API35.5AppboxoCompanySuper AppMini AppsMobile SDK35.1Tailor BrandsCompanyBusiness FormationComplianceSmall Business1 API34.5Treasury PrimeFintechBanking as a ServiceBankingPayments1 API34.5MelioB2B PaymentsAccounts PayableAccounts ReceivableBill Pay1 API34.2Abwab AiCompanyMSME LendingCredit IntelligenceCredit Decisioning1 API33.7POINT.METravelAward TravelLoyaltyPoints and Miles1 API32.7WisetackCompanyFintechLendingConsumer Financing1 API32.7BalanceCompanyPaymentsB2B PaymentsTrade Credit1 API32.2Green DotFintechBanking as a ServicePrepaid Cards17 APIs32.0UncappedCompanyFintechLending1 API31.0ZayZoonCompanyEarned Wage AccessOn-Demand PayPayroll30.1VelocityCard Card IssuingCard IssuingBanking as a ServiceCommercial Cards1 API28.910x Banking Technology ServicesFinancial ServicesBankingCore BankingCloud-Native1 API28.7JarisCompanyFintechPayments27.8OpentradeCompanyStablecoinsYieldLending1 API27.3OrbiiCompanyArtificial IntelligenceLendingCredit3 APIs27.0Lead BankBankingSponsor BankBanking as a Service1 API26.8WallexCompanyPaymentsCross-Border PaymentsForeign Exchange1 API26.3PomeloFintechCard IssuingPayments1 API26.2
Emerging 45 Early or largely undocumented
ParafinCompanyFintechLending1 API15.5SetuUPIBBPSAccount Aggregator8 APIs12.3FeesableCompanyFintechLending12.1AAZZURCompanyBanking as a ServiceFintech11.0Klarna KosmaOpen BankingPSD2AISPI6 APIs26.0ArrayCompanyFintechCredit Data1 API25.9Grapes FinanceStablecoinsOn-RampOff-RampFiat1 API25.4ZealPayrollFintechTax Compliance1 API25.4AtomicFintechPayrollDirect DepositIncome Verification1 API24.9MortyCompanyMortgageLendingFintech24.8LadderCompanyInsuranceInsurtechLife Insurance1 API24.4SilaBanking as a ServicePaymentsDigital Wallet1 API24.3SyncteraFintechBanking as a ServiceBankingPayments1 API24.0SwanEmbedded BankingBanking as a ServicePaymentsAccount7 APIs23.9SalsaPayrollPayroll as a ServiceFintech1 API23.7Cross River BankBankingBanking as a ServiceSponsor Bank8 APIs23.5JifitiBankingBuy Now Pay LaterEmbedded Lending2 APIs23.0SpinwheelFintechCredit DataDebtLiabilities1 API22.9HokodoCompanyFintechB2B PaymentsBuy Now Pay Later1 API22.6Episode SixCompanyPaymentsCard IssuingIssuer Processing2 APIs22.5PatientFihealthcare-financingPatient FinancingConsumer LendingPoint of Sale Financing22.3AmplifyCompanyInsuranceInsurtechLife Insurance1 API21.7HighlinePayrollPaymentsACH1 API21.3CardlessCompanyFinancial ServicesFintechCredit Cards2 APIs20.1PipeCompanyFintechCapital20.0ConstantinopleCompanyFintechBankingCore Banking18.2ElevateCompanyBenefits AdministrationHealth SavingsFlexible Spending Accounts18.2FairplayCompanyFinancial ServicesLending16.8LendioLendingSmall BusinessLoansFintech2 APIs16.8AstroPayPaymentsPayment ProcessingPayoutsWallets20 APIs16.6EnerveeCompanyEnergyEnergy EfficiencyMarketplace16.1MesaCompanyFintechPaymentsInvoice Financing1 API15.3ClooverCompanyFintechClimateRenewable Energy13.8ZiroCompanyFintechCreditLending13.7ComfiCompanyFintechWorking CapitalInvoice Discounting13.6Credi2CompanyLendingBuy Now Pay Later13.5DockBankingPaymentsCardsCard Issuing1 API13.5MONI (Ex-Monisnap)CompanyFintech InsurtechMoney TransferRemittances13.3OatfiCompanyFintechB2B Payments13.0SellersfiCompanyFintechFinancial ServicesLending12.9ButnPaymentsAustraliaInvoice Finance12.6JSW OneCompanyB2B CommerceMarketplaceConstruction12.6AtomicCompanyInvestingWealth ManagementBrokerage11.7HrmonyCompanyHuman ResourcesEmployee BenefitsPayroll11.5Efficient Capital LabsCompanyFintechLendingNon-Dilutive Capital11.3
Minimal 38 Almost no public developer surface
SkepsCompanyConsumerFintech8.5Solid (Solid.fi)Banking as a ServicePaymentsCards0.0ClairCompanyFinancial ServicesFintechEarned Wage Access10.9FundboxFintechB2B CreditNet Terms1 API10.9OportunCompanyFintechLendingConsumer Finance10.5Flow48CompanyFintechFinancial Services10.3RupifiCompanyFintechBuy Now Pay Later10.3SilvrCompanyFintech InsurtechLendingRevenue-Based Financing9.7MercantileCompanyCredit CardsCard Issuing9.48figCompanyE-CommerceFintechFinancing9.3KlaimCompanyFinancial ServicesFintechHealthcare9.1UpswingCompanyFintechOpen Finance8.0PollenCompanyFintechPaymentsBanking7.9GangkharCompanyInsuranceEmbedded InsuranceInsurtech7.8BizongoCompanyE-CommerceB2BSupply Chain7.5MooveCompanyFintechMobilityVehicle Financing7.5TalaCompanyFinancial ServicesFintechLending6.8CashDirectorCompanyFintechAccountingCash Flow6.7JenfiCompanyFinancial ServicesFintechLending6.4Knight FintechCompanyEnterpriseFinancial ServicesBanking6.2TransbnkCompanyFintechTransaction BankingCorporate Banking6.0FairbancCompanyFinancial ServicesFintechLending5.6PayitoffCompanyFinancial ServicesFintechDebt Management4.8EradCompanyFintechFinancial ServicesLending4.2InveraCompanyFintechInvestingBrokerage4.2Brim FinancialFinancial ServicesBankingCanadaFintech4.0NikoCompanyEnergySolarRenewable Energy3.6AgragaLogisticsFreightFreight ForwardingSupply Chain3.4BetaStoreCompanyB2B MarketplaceRetailConsumer Packaged Goods3.4ColendiFintechB2BFinancial Inclusion3.4Kobo360LogisticsFreightTruckingDigital Freight Marketplace3.2NowpayCompanyFintechFinancial WellnessEarned Wage Access3.2DeserveCompanyConsumerFintechCredit Cards2.7FortuCompanyFintechPrivate BankingWealth Management2.710 PercentCompanyAgricultureAgTechFintech2.6KatchCompanyAgricultureAgTech2.6Capital.xyzCompanyFintechBankingStartups2.1RizeCompanyFintechBankingBanking as a Service0.0

APIs with this tag (24)

Ranked by the provider's API Evangelist rating — the Kin Score is scored per provider, not per API, so every API of a provider shares its band. How the rating works →

Exemplar 2 Complete, well-documented, and agent-ready
Airwallex Platform APIThe Airwallex Platform API enables businesses to embed financial services into their products. Supports mer...83.8Moov DropsMoov Drops are pre-built, drop-in web UI components for complicated payment and account management flows. T...74.4
Strong 4 Solid coverage with minor gaps
Payrix Embedded Finance APIEmbedded Finance stores information related to the activation of the resource for an entity. EmbeddedFinanc...62.1Citizens Pay APICitizens Pay is the buy-now-pay-later embedded financing platform offered by Citizens Bank. The Citizens Pa...59.0Bond Cards APIThe Cards API from Bond — 5 operation(s) for cards.58.2Bond Ledger (Transactions) APIRetrieve all transactions available to a brand with pagination and optional filtering, and fetch details fo...58.2
Developing 5 Usable, with meaningful gaps to close
Jiko Partner APIThe Partner API is for applications that embed Jiko's services and offer Jiko products to their own custome...52.1Telleroo Partner APIRESTful Embedded Payments API (v3) to build Telleroo into your own platform: authorize against client compa...45.3ADP Embedded Payroll (RUN)ADP Embedded Payroll lets a software platform embed complete RUN Powered by ADP payroll screens — "Journeys...43.8Nav Partner APIREST API for Nav partner integrations. Partners authenticate with a Bearer token API key issued during onbo...42.8TronZap Wallet Orders APIFully public, unauthenticated Orders API for non-custodial wallet integrations. Four operations — POST /v1/...41.2
Thin 6 Limited public surface area
Flowpay Partner APIFlowpay's REST partner API for the Fully Embedded (Native) lending flow - customer onboarding and service a...38.7Acorn Finance Partner APIThe Acorn Finance partner REST API. Basic-authenticated JSON endpoints on api.acornfinance.com let point-of...38.5Column Tax APIREST API to embed IRS-authorized income-tax preparation and e-filing. Create a Column Tax user, obtain a sh...38.0Goldman Sachs Transaction Banking (TxB) APIGoldman Sachs Transaction Banking (TxB) provides programmatic access for eligible partners and clients to e...34.1BMO Payment APISends and collects domestic and international payments directly from a client's application, with account v...30.1Yodlee FastLinkFastLink 4 is Yodlee's white-label account aggregation widget that enables users to securely link their fin...28.2
Emerging 7 Early or largely undocumented
Array APIArray's REST API for embedded consumer-credit, identity and background-data products. Confirmed live at htt...25.9Paysafe Embedded Wallets APIA REST API enabling platforms to embed digital wallet functionality directly into their products. Customers...25.7Ladder APIThe Ladder API is an embedded term-life-insurance distribution surface for partner platforms. It is deliver...24.4Amplify Distribution APIPrivate partner-facing API behind api.getamplifylife.com, used for Amplify's embedded distribution motion (...21.7Cardless Partner APIThe Cardless partner API surface used by brands to embed a co-branded credit card program: partner authenti...20.1Lendio Loan Marketplace APIREST API for connecting small businesses with lenders. Supports loan application submission, eligibility ch...16.8Parafin APIWhite-labeled embedded finance REST API for offering business financing — creating businesses, persons, and...15.5

Companies reaching this through an API (8)

These companies publish an API, specification or operation carrying “Embedded Finance” but do not classify their business under it. Listed unranked and kept out of the count above, because one tagged operation is not a statement about what a company does.

ADP BMO Financial Group Citizens Financial Group Goldman Sachs Payrix Paysafe TronZap Yodlee

Score breakdown

Frequency
62.2
log-scaled weighted occurrences
Breadth
4.0
spread across providers
Quality lift
31.5
mean composite of providers using it
Cohesion
10.6
strength of nearest seed neighbor

Where this tag sits

178 providers carry this tag directly, and 283 counting the 5 narrower tags below — 105 more to reach.

Fintech broader Banking as a Service 76 providers Embedded Payments 13 providers Embedded Banking 7 providers Embedded Lending 4 providers Embedded Insurance 56 providers

Related tags

Banking as a Service 41 co-occurrences Card Issuing 27 co-occurrences Lending 61 co-occurrences Cards 32 co-occurrences Buy Now Pay Later 20 co-occurrences KYC 28 co-occurrences ACH 19 co-occurrences Working Capital 17 co-occurrences

Where this tag comes from

Provider tag182
Api tag24

Markets provisional

Kin Score markets whose measured providers carry this tag. Share is the fraction of the market's measured providers that carry it — it describes the market, not this tag.

MarketShare of the market's providers
Payments28%

Cohort brief

Auto-generated

The 173 providers in the APIs.io catalog tagged Embedded Finance, scored on the Kin Score. Every figure below is computed from the catalog — nothing here is written.

Providers
173
of 178 in the catalog
Mean Kin Score
30.8
+8.6 vs catalog 22.2
Mean Agent Readiness
19.9
+7.9 vs catalog 12
Spread
0–83.8
median 30.1 · σ 18.8
How the 173 split by band
Exemplar 6Strong 9Developing 45Thin 35Emerging 45Minimal 33
Facet averages, against the whole catalog
FacetThis cohortCatalogDifferenceScored
Contract Quality 28.7 17.2 +11.5 173
Developer Ergonomics 34.5 23.2 +11.3 173
Discoverability 65.2 57.9 +7.3 173
Operational Transparency 20 13 +7 173
Access Clarity 29.1 23.9 +5.2 173
Contract Governance 9 6.5 +2.5 173

A facet is averaged over the members that carry it, not over the whole cohort — the “Scored” column is that count. Averaging an absent facet as zero would score our own coverage gaps as the providers’ posture.

What this cohort publishes
ArtifactThis cohortCatalogDifference
MCP server (any) 18% 13% +5
MCP server (first-party) 17% 12% +5
Agent Skills 0% 0% 0
OAuth scopes 16% 11% +5
Security 100% 98% +2
Arazzo workflows 5% 2% +3
Governance rules 14% 16% -2

mcp_pct counts any mcp/ artifact including ones API Evangelist derived from the provider OpenAPI; mcp_first_party_pct counts only servers the provider publishes. Prefer the latter.

Top by Kin Score
  1. 1 Airwallex 83.8
  2. 2 Uphold 79.6
  3. 3 Moov 74.4
  4. 4 Weavr 72.2
  5. 5 Lili 68.7
  6. 6 Resolve 67.6
  7. 7 Monite 66.3
  8. 8 hi.health 65.3
  9. 9 Unit 64.7
  10. 10 VoPay 62.3
Top by Agent Readiness
  1. 1 Resolve 65.8
  2. 2 Moov 63.4
  3. 3 Airwallex 62.4
  4. 4 Weavr 54.9
  5. 5 hi.health 52.7
  6. 6 Lili 51.4
  7. 7 Modulr 49.8
  8. 8 Check 49.5
  9. 9 ChargeAfter 48.8
  10. 10 Open (open.money) 46.9
All 178 members of this roster resolve to a provider in the catalog; 173 carry a score (97%). The figures above describe the scored members only.
Coverage caveat. 157 of 173 scored members had under half their catalog-attributable points satisfied at all (catalog_earned / catalog_max < 0.5). They are INCLUDED in the mean above. A large share here means the cohort mean is partly a measurement of how far our enrichment reached, not only of how these providers publish.Generated from the catalog build of 24 October 2026, across 31984 providers, using the same computation served by the APIs.io cohort API. Briefs are published for rosters of 5 or more scored providers; below that a distribution is not meaningful.

Work with this as data

Every tag here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for tags

7 MCP tools reach this
  • find_tagsBrowse and filter every tag in the catalog.
  • get_cohortThis tag as a scored cohort — every provider carrying it, with scores.
  • cohort_statsPRO — the distribution across this tag: mean, median, band split, adoption rates.
  • cohort_rankingsPRO — the leaderboard, on composite AND agent-readiness axes.
  • apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
  • resolveTurn a domain, URL or GitHub org into the provider it belongs to.
  • find_cohortsEvery scored population of providers in the catalog.
All 92 tools →

Call it yourself

curl for this page
This tag 
curl "https://apis.io/api/v1/tags/embedded-finance"
All tags 
curl "https://apis.io/api/v1/tags?limit=25"
As a scored cohort 
curl "https://apis.io/api/v1/cohorts/tag/embedded-finance"
The distribution (Pro) 
curl "https://apis.io/api/v1/cohorts/tag/embedded-finance/stats" \
  -H "X-API-Key: $APIS_IO_KEY"

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