api-banking
(4)
MatchMove
MatchMove is a Singapore-based, MAS-licensed banking-as-a-service (BaaS) company that lets any business embed financial services - accounts, cards, payments and lending - directly into its own app through an API-first platform called Banking Wallet OS. Founded in 2009 by Shailesh Naik, the company markets itself under the tagline 'A Bank in Any App' and has issued more than 4 million cards, processed over US$5 billion in payments, and reaches 200+ payout countries through 100+ enterprise partners.
Agora Financial Technologies
Agora Financial Technologies (formerly Agora Services) is a New York-based banking-as-a-service and embedded-fintech provider that lets community banks and credit unions launch modern digital banking products without ripping out their legacy core. Its core-agnostic, cloud-native platform ships white-label mobile apps, card programs, and API access for niche segments like teens, families, gig workers, SMBs, and seniors - typically in weeks rather than the multi-year timelines of traditional core replacements. Founded in 2018 by fintech veteran Arcady Lapiro, the company positions itself as a way for smaller financial institutions to compete with challenger banks on cost and speed.
Lead Bank
Lead Bank is a state-chartered, FDIC-insured commercial bank turned API-first Banking-as-a-Service platform. Acquired in 2022 by an investor group led by former Square Capital chief Jackie Reses, the 1928-vintage Missouri community bank now provides regulated banking infrastructure - payments, card issuing, lending, and deposit accounts - to fintechs, consumer brands, and digital-asset companies.
Mercury
Mercury is a San Francisco fintech that builds banking and financial software for startups and growth-stage companies. Through partner banks, it offers FDIC-insured checking and savings, corporate cards, treasury, venture debt, bill pay, and an API - aimed at founders who would rather not call a branch manager.