emerging · -1.3 capabilitymarket resourcedomain

Embedded Finance

Score 23.3 / 100 187 providers +8 via APIs 24 APIs Search apis.io →

Providers using this tag (187)

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

Exemplar 10 Complete, well-documented, and agent-ready
MoniteCompanyInvoicingAccounts Payable5 APIs67.6AirwallexCross-Border PaymentsFintechForeign ExchangePayments1 API83.1UpholdCompanyCryptocurrencyDigital AssetsPayments5 APIs81.5MoovBankingFinancial InfrastructureMoney Movement3 APIs75.9hi.healthCompanyInsurancePaymentsCards2 APIs73.0WeavrBanking as a ServicePaymentsCards5 APIs72.2LightsparkCompanyPaymentsCross-Border PaymentsStablecoins1 API70.5UnitFintechBanking as a ServiceBankingPayments18 APIs70.0LiliBankingBusiness BankingFinancial ServicesFintech3 APIs68.7HighnoteCard IssuingCard AcquiringBanking as a Service1 API68.5
Strong 18 Solid coverage with minor gaps
VoPayPaymentsCanadaPayments-as-a-Service23 APIs61.1BondCompanyUnited StatesBanking as a Service18 APIs56.6ToqioFintechBanking as a ServicePayments17 APIs56.4ResolveCompanyPaymentsB2BNet Terms2 APIs66.3KotaCompanyFintechInsuranceEmployee Benefits2 APIs65.3FinixCompanyFintechPaymentsPayment Processing1 API61.9Zero HashCompanyCrypto InfrastructureDigital AssetsStablecoins2 APIs61.4NovoPaymentPaymentsBanking as a ServiceCard Issuing16 APIs60.5ModulrPaymentsUnited KingdomBanking as a Service1 API60.4The Bank of LondonCompanyBankingClearing BankPayments1 API59.7IFCompanyFinancial ServicesBanking as a Service11 APIs58.6Fiat RepublicCompanyBankingPaymentsFintech6 APIs57.0MeshCompanyCryptocurrencyPaymentsDigital Assets1 API57.0LynxCompanyHealthcareFintechPayments18 APIs56.6CheckPayrollEmbedded PayrollPayroll InfrastructurePayroll API1 API56.0LendAPICompanyLendingLoan OriginationFinancial Services1 API55.7Lucra SportsGamingSportsGamificationLoyalty1 API55.4Mesh ConnectCompanyCrypto InfrastructureCrypto PaymentsDigital Assets2 APIs55.2
Developing 46 Usable, with meaningful gaps to close
WayflyerCompanyE-CommerceFintech2 APIs49.8Q2CompanyFinancial ServicesBanking1 API49.6R2CompanyFinancial ServicesLending1 API47.4Open (open.money)Connected BankingNeobankSmall Business12 APIs51.9TellerooCompanyPaymentsBulk PaymentsPayroll2 APIs51.7SlopeCompanyFintechPayments1 API51.6AscendCompanyFintechInsuranceInsurtech1 API51.5Upward FinancialCompanyFintechCreditCredit Building1 API51.4JikoCompanyBankingPaymentsTreasury2 APIs50.8ChargeAfterFinancial ServicesPaymentsLendingBuy Now Pay Later13 APIs50.6ImprintCompanyFinancial ServicesFintechCredit Cards1 API50.5Even FinancialCompanyFinancial ServicesFintech1 API50.4SimplifipayCompanyCardsCard IssuingVirtual Cards1 API50.4MarqetaFintechBanking as a ServiceCard IssuingPayments2 APIs50.3Ramp NetworkCryptocurrencyPaymentsFintechOn-Ramp2 APIs50.3SolarisCompanyFintechBankingBanking as a Service2 APIs49.5CadanaCompanyPayrollPaymentsGlobal Payroll5 APIs48.9IncreaseFintechBankingPaymentsACH1 API48.6Fifth Third BancorpBankingUnited StatesBanking as a Service1 API48.4HighnoteIssuingAcquiringCreditMoney Movement1 API48.1LithicFintechCard IssuingPaymentsIssuer Processor1 API48.1lemon.marketsCompanyFintechBrokerageInvesting1 API48.0DefactoCompanyFintechLending1 API47.9FinmidCompanyEmbedded LendingB2B Payments2 APIs47.9CoinListCompanyFintechCryptocurrencyToken Sales1 API47.8CapchaseCompanyFintechPayments1 API47.0NomosCompanyEnergyElectricityUtilities1 API46.9GigsCompanyTelecommunicationsConnectivityeSIM1 API45.6FalconCompanyInfrastructureFinancial ServicesBanking93 APIs45.3Credilinq.aiCompanyFintechLending1 API44.9GustoHuman ResourcesPayrollBenefitsEnterprise Software1 API44.9SunbitBuy Now Pay LaterPoint of Sale FinancingConsumer LendingPayments2 APIs44.8KanmonCompanyFintechEmbedded Lending1 API44.7Column TaxCompanyFintechTaxTax Filing1 API44.5Customers BankFinancial ServicesBankingUnited StatesBanking as a Service10 APIs44.1WealthKernelCompanyInvestingWealth ManagementBrokerage1 API43.8Green DotFintechBanking as a ServicePrepaid Cards17 APIs43.0KlutchCompanyFinancial ServicesFintechCredit Cards1 API42.9NavBusiness CreditSmall BusinessFinancial Services1 API42.1Vayana NetworkCompanyTrade FinanceSupply Chain FinanceTax Compliance1 API42.1NymcardCompanyPaymentsCard IssuingBanking as a Service1 API41.7KriyaCompanyFintechPayments2 APIs41.1PallaCompanyFintechPaymentsCross-Border Payments7 APIs40.3TopiCompanyFintechHardware as a ServiceRentals1 API40.1flowpay.ioCompanyFinancingLending2 APIs39.6PrizeoutCompanyAdvertisingRewardsGift Cards1 API39.4
Thin 27 Limited public surface area
ALVIERECompanyFintechBanking1 API35.8FidelCompanyPaymentsCard LinkingTransaction1 API38.8SavvyMoneyCompanyFinancial ServicesCredit ScoreCredit Monitoring2 APIs38.5MambuCompanyFintechBankingCore Banking1 API37.0Treasury PrimeFintechBanking as a ServiceBankingPayments1 API36.8Acorn FinanceCompanyFinancial ServicesLendingLoans1 API36.7Tailor BrandsCompanyBusiness FormationComplianceSmall Business1 API36.0ColumnFintechBankingBanking as a ServiceACH2 APIs35.7AppboxoCompanySuper AppMini AppsMobile SDK35.6Muse FinanceCompanyInvoice FinanceTrade Finance1 API34.9WisetackCompanyFintechLendingConsumer Financing1 API34.9Abwab AiCompanyMSME LendingCredit IntelligenceCredit Decisioning1 API34.3BalanceCompanyPaymentsB2B PaymentsTrade Credit1 API33.9MercoaMercoaAccounts PayableAccounts Receivable1 API33.7MelioB2B PaymentsAccounts PayableAccounts ReceivableBill Pay1 API33.2UncappedCompanyFintechLending1 API32.2POINT.METravelAward TravelLoyaltyPoints and Miles1 API31.9JarisCompanyFintechPayments31.6ZayZoonCompanyEarned Wage AccessOn-Demand PayPayroll30.4VelocityCard Card IssuingCard IssuingBanking as a ServiceCommercial Cards1 API28.6Lead BankBankingSponsor BankBanking as a Service1 API28.1OpentradeCompanyStablecoinsYieldLending1 API28.010x Banking Technology ServicesFinancial ServicesBankingCore BankingCloud-Native1 API27.8OrbiiCompanyArtificial IntelligenceLendingCredit3 APIs27.6PomeloFintechCard IssuingPayments1 API27.0SilaBanking as a ServicePaymentsDigital Wallet1 API26.8LadderCompanyInsuranceInsurtechLife Insurance1 API26.2
Emerging 50 Early or largely undocumented
AAZZURCompanyBanking as a ServiceFintech1 API24.6MMOBCompanyFintechAPI Integration20.6ParafinCompanyFintechLending1 API15.4FeesableCompanyFintechLending13.1SetuUPIBBPSAccount Aggregator8 APIs11.1ZealPayrollFintechTax Compliance1 API25.7AtomicFintechPayrollDirect DepositIncome Verification1 API25.6WallexCompanyPaymentsCross-Border PaymentsForeign Exchange1 API25.2Klarna KosmaOpen BankingPSD2AISPI6 APIs25.0MortyCompanyMortgageLendingFintech25.0SalsaPayrollPayroll as a ServiceFintech1 API24.4SpinwheelFintechCredit DataDebtLiabilities1 API24.3Grapes FinanceStablecoinsOn-RampOff-RampFiat1 API24.2JifitiBankingBuy Now Pay LaterEmbedded Lending2 APIs24.1ArrayCompanyFintechCredit Data1 API23.9PipeCompanyFintechCapital23.7SyncteraFintechBanking as a ServiceBankingPayments1 API23.2SwanEmbedded BankingBanking as a ServicePaymentsAccount7 APIs23.1HokodoCompanyFintechB2B PaymentsBuy Now Pay Later1 API22.9HighlinePayrollPaymentsACH1 API22.8Cross River BankBankingBanking as a ServiceSponsor Bank8 APIs22.4Episode SixCompanyPaymentsCard IssuingIssuer Processing2 APIs22.3PatientFihealthcare-financingPatient FinancingConsumer LendingPoint of Sale Financing22.0CardlessCompanyFinancial ServicesFintechCredit Cards2 APIs21.0AmplifyCompanyInsuranceInsurtechLife Insurance1 API20.6ConstantinopleCompanyFintechBankingCore Banking19.5FairplayCompanyFinancial ServicesLending18.6ElevateCompanyBenefits AdministrationHealth SavingsFlexible Spending Accounts18.4EnerveeCompanyEnergyEnergy EfficiencyMarketplace17.9MesaCompanyFintechPaymentsInvoice Financing1 API17.0Q2 SoftwareDigital BankingConsumer BankingSmall Business BankingCommercial Banking1 API16.4OatfiCompanyFintechB2B Payments15.7AstroPayPaymentsPayment ProcessingPayoutsWallets20 APIs15.4JSW OneCompanyB2B CommerceMarketplaceConstruction15.0MONI (Ex-Monisnap)CompanyFintech InsurtechMoney TransferRemittances15.0LendioLendingSmall BusinessLoansFintech2 APIs14.7ButnPaymentsAustraliaInvoice Finance14.4Credi2CompanyLendingBuy Now Pay Later14.4ClooverCompanyFintechClimateRenewable Energy14.3ZiroCompanyFintechCreditLending13.3SellersfiCompanyFintechFinancial ServicesLending13.2AtomicCompanyInvestingWealth ManagementBrokerage13.0JenfiCompanyFinancial ServicesFintechLending12.9Brim FinancialFinancial ServicesBankingCanadaFintech12.8RupifiCompanyFintechBuy Now Pay Later12.4ComfiCompanyFintechWorking CapitalInvoice Discounting12.2DockBankingPaymentsCardsCard Issuing1 API12.1HrmonyCompanyHuman ResourcesEmployee BenefitsPayroll11.7Efficient Capital LabsCompanyFintechLendingNon-Dilutive Capital11.4Flow48CompanyFintechFinancial Services11.1
Minimal 36 Almost no public developer surface
Central PaymentsCompanyFintechPayments9.9SkepsCompanyConsumerFintech9.4Solid (Solid.fi)Banking as a ServicePaymentsCards0.0MercantileCompanyCredit CardsCard Issuing10.8SilvrCompanyFintech InsurtechLendingRevenue-Based Financing10.78figCompanyE-CommerceFintechFinancing10.6ClairCompanyFinancial ServicesFintechEarned Wage Access10.5KlaimCompanyFinancial ServicesFintechHealthcare10.5OportunCompanyFintechLendingConsumer Finance9.7FundboxFintechB2B CreditNet Terms1 API9.4PollenCompanyFintechPaymentsBanking9.2Knight FintechCompanyEnterpriseFinancial ServicesBanking7.9UpswingCompanyFintechOpen Finance7.6BizongoCompanyE-CommerceB2BSupply Chain7.5GangkharCompanyInsuranceEmbedded InsuranceInsurtech7.5CashDirectorCompanyFintechAccountingCash Flow6.5TalaCompanyFinancial ServicesFintechLending6.4TransbnkCompanyFintechTransaction BankingCorporate Banking6.2MooveCompanyFintechMobilityVehicle Financing6.1EradCompanyFintechFinancial ServicesLending5.8AgragaLogisticsFreightFreight ForwardingSupply Chain5.1FairbancCompanyFinancial ServicesFintechLending4.7DowsureCross‑border E‑commerce FinancingAPI Banking4.1PayitoffCompanyFinancial ServicesFintechDebt Management4.0InveraCompanyFintechInvestingBrokerage3.7NikoCompanyEnergySolarRenewable Energy2.810 PercentCompanyAgricultureAgTechFintech2.6BetaStoreCompanyB2B MarketplaceRetailConsumer Packaged Goods2.6ColendiFintechB2BFinancial Inclusion2.6KatchCompanyAgricultureAgTech2.6Capital.xyzCompanyFintechBankingStartups2.4Kobo360LogisticsFreightTruckingDigital Freight Marketplace2.4NowpayCompanyFintechFinancial WellnessEarned Wage Access2.4DeserveCompanyConsumerFintechCredit Cards1.9FortuCompanyFintechPrivate BankingWealth Management1.9RizeCompanyFintechBankingBanking 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...83.1Moov DropsMoov Drops are pre-built, drop-in web UI components for complicated payment and account management flows. T...75.9
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...60.9Bond Cards APIThe Cards API from Bond — 5 operation(s) for cards.56.6Bond Ledger (Transactions) APIRetrieve all transactions available to a brand with pagination and optional filtering, and fetch details fo...56.6Citizens Pay APICitizens Pay is the buy-now-pay-later embedded financing platform offered by Citizens Bank. The Citizens Pa...55.6
Developing 6 Usable, with meaningful gaps to close
Telleroo Partner APIRESTful Embedded Payments API (v3) to build Telleroo into your own platform: authorize against client compa...51.7Jiko Partner APIThe Partner API is for applications that embed Jiko's services and offer Jiko products to their own custome...50.8ADP Embedded Payroll (RUN)ADP Embedded Payroll lets a software platform embed complete RUN Powered by ADP payroll screens — "Journeys...45.6Column Tax APIREST API to embed IRS-authorized income-tax preparation and e-filing. Create a Column Tax user, obtain a sh...44.5Nav Partner APIREST API for Nav partner integrations. Partners authenticate with a Bearer token API key issued during onbo...42.1Flowpay Partner APIFlowpay's REST partner API for the Fully Embedded (Native) lending flow - customer onboarding and service a...39.6
Thin 6 Limited public surface area
TronZap Wallet Orders APIFully public, unauthenticated Orders API for non-custodial wallet integrations. Four operations — POST /v1/...37.8Acorn Finance Partner APIThe Acorn Finance partner REST API. Basic-authenticated JSON endpoints on api.acornfinance.com let point-of...36.7Goldman Sachs Transaction Banking (TxB) APIGoldman Sachs Transaction Banking (TxB) provides programmatic access for eligible partners and clients to e...34.3Yodlee FastLinkFastLink 4 is Yodlee's white-label account aggregation widget that enables users to securely link their fin...30.4BMO Payment APISends and collects domestic and international payments directly from a client's application, with account v...29.5Ladder APIThe Ladder API is an embedded term-life-insurance distribution surface for partner platforms. It is deliver...26.2
Emerging 6 Early or largely undocumented
Paysafe Embedded Wallets APIA REST API enabling platforms to embed digital wallet functionality directly into their products. Customers...26.0Array APIArray's REST API for embedded consumer-credit, identity and background-data products. Confirmed live at htt...23.9Cardless Partner APIThe Cardless partner API surface used by brands to embed a co-branded credit card program: partner authenti...21.0Amplify Distribution APIPrivate partner-facing API behind api.getamplifylife.com, used for Amplify's embedded distribution motion (...20.6Parafin APIWhite-labeled embedded finance REST API for offering business financing — creating businesses, persons, and...15.4Lendio Loan Marketplace APIREST API for connecting small businesses with lenders. Supports loan application submission, eligibility ch...14.7

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
59.0
log-scaled weighted occurrences
Breadth
2.4
spread across providers
Quality lift
31.8
mean composite of providers using it
Cohesion
10.3
strength of nearest seed neighbor

Where this tag sits

187 providers carry this tag directly, and 297 counting the 5 narrower tags below — 110 more to reach.

Fintech broader Banking as a Service 80 providers Embedded Payments 15 providers Embedded Banking 7 providers Embedded Lending 4 providers Embedded Insurance 56 providers

Related tags

Banking as a Service 42 co-occurrences Card Issuing 27 co-occurrences Lending 62 co-occurrences Cards 33 co-occurrences ACH 20 co-occurrences KYC 30 co-occurrences Buy Now Pay Later 20 co-occurrences Working Capital 17 co-occurrences

Where this tag comes from

Provider tag187
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 178 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
178
of 187 in the catalog
Mean Kin Score
32.8
+8.7 vs catalog 24.1
Mean Agent Readiness
20.4
+6.3 vs catalog 14.1
Spread
0–83.1
median 32.1 · σ 20.1
How the 178 split by band
Exemplar 10Strong 18Developing 45Thin 27Emerging 48Minimal 30
Facet averages, against the whole catalog
FacetThis cohortCatalogDifferenceScored
Developer Ergonomics 37.5 24.5 +13 178
Contract Quality 30 18.6 +11.4 178
Operational Transparency 20.9 13.2 +7.7 178
Discoverability 65.6 59.1 +6.5 178
Access Clarity 34.6 30 +4.6 178
Contract Governance 13.1 9.7 +3.4 178

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) 19% 18% +1
MCP server (first-party) 18% 16% +2
Agent Skills 0% 0% 0
OAuth scopes 16% 13% +3
Security 100% 99% +1
Arazzo workflows 4% 1% +3
Governance rules 44% 36% +8

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 83.1
  2. 2 Uphold 81.5
  3. 3 Moov 75.9
  4. 4 hi.health 73
  5. 5 Weavr 72.2
  6. 6 Lightspark 70.5
  7. 7 Unit 70
  8. 8 Lili 68.7
  9. 9 Highnote 68.5
  10. 10 Monite 67.6
Top by Agent Readiness
  1. 1 Resolve 65.8
  2. 2 Moov 63.4
  3. 3 Airwallex 62.4
  4. 4 Weavr 56.7
  5. 5 ChargeAfter 52.9
  6. 6 hi.health 52.7
  7. 7 Modulr 51.7
  8. 8 Lili 51.4
  9. 9 Check 49.5
  10. 10 Lightspark 48.8
All 187 members of this roster resolve to a provider in the catalog; 178 carry a score (95%). The figures above describe the scored members only.
Coverage caveat. 157 of 178 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 14 November 2026, across 41591 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 →

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curl "https://apis.io/api/v1/tags/embedded-finance"
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curl "https://apis.io/api/v1/tags?limit=25"
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