In today’s digital economy, finance is no longer confined to banks. Thanks to embedded finance, financial services are being integrated directly into non-financial platforms. This allows customers pay, borrow, insure, or invest without ever leaving the app they’re using. For businesses, embedded finance unlocks new revenue streams and deeper customer engagement. In 2025, here are five of the top FinTech solutions leading this revolution.

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1. Stripe Connect – Embedded Payments Infrastructure

Stripe has become synonymous with online payments, but Stripe Connect takes it further… It enables platforms like marketplaces, SaaS apps, or gig platforms to onboard sellers, manage payouts, and handle compliance seamlessly. Its APIs offer modular, customisable solutions for embedding payment flows, KYC, tax reporting, and global transfers.

Why it leads: Stripe Connect simplifies complex financial operations. It gives platforms the ability to become payment facilitators without becoming regulated entities themselves.

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2. Railsr (formerly Railsbank) – Full-Stack Embedded Finance

Railsr provides a modular platform that allows brands to embed banking, payments, and credit products into their own apps. Whether it’s issuing branded debit cards, offering BNPL, or enabling in-app bank accounts, Railsr acts as the financial layer beneath consumer-facing businesses.

Key strength: It provides a single, developer-friendly API to access multiple financial services. This speeds up time-to-market, reducing infrastructure complexity.

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3. Unit – Embedded Banking-as-a-Service (BaaS)

Unit is a US-focused BaaS provider that helps FinTechs and software companies embed features. These include checking accounts, cards, ACH payments, and lending directly into apps. Its toolkit includes compliance workflows, ledgering, and integrations with banking partners.

Why it stands out: Unit’s out-of-the-box functionality allows tech companies to go from idea to launch in weeks, not months. Furthermore, staying compliant with US banking regulations.

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4. UpLift – Embedded BNPL for Travel and Lifestyle

UpLift is a niche embedded finance provider focused on travel, hospitality, and lifestyle experiences. Its BNPL tool is integrated directly into checkout pages for airlines, cruise lines, and vacation providers. This allows consumers to split costs into manageable monthly payments.

Unique angle: By focusing on high-ticket discretionary purchases, UpLift helps merchants increase conversions and average order value. Moreover, giving consumers more flexible options.

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5. Qover – Embedded Insurance for Digital Platforms

Qover is a leading embedded insurance provider that enables companies to integrate customised, white-labelled insurance directly into their apps or services. From gig platforms and neobanks to mobility and travel apps, Qover supports multiple insurance lines. These include motor, health, cyber, and income protection—across more than 30 countries in Europe.

What sets it apart: Qover’s modular APIs let businesses plug insurance into user journeys with minimal friction. It also handles underwriting partnerships, multilingual customer service, and real-time claims dashboards, offering full-stack support.

Why it matters: Qover empowers platforms like Revolut and Deliveroo to offer relevant protection at scale. Moreover, boosting user trust, engagement, and retention without building insurance infrastructure from scratch.

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Embedded finance is transforming how financial products are delivered… Moving from standalone services to contextual, on-demand experiences. Tools like Stripe Connect, Railsr, Unit, UpLift, and Cover Genius empower companies to embed finance where it adds the most value: at the point of need. For FinTechs, retailers, travel firms, and SaaS platforms, these tools represent the future of customer-centric finance—convenient, invisible, and deeply integrated.