embedded-fintech
(4)
RemotePass
RemotePass is a global employment and payroll platform that helps companies onboard, manage, and pay distributed teams across more than 150 countries. It combines Employer of Record (EOR) services, contractor management, and compliance with an embedded fintech layer that gives workers USD accounts, global cards, and health insurance. Founded in the UAE in 2021 and dual-headquartered in Boston and Abu Dhabi, the company has facilitated over $800 million in cross-border payroll for more than 35,000 workers.
Vagaro
Vagaro is a Pleasanton, California SaaS company that runs the back office for salons, spas, fitness studios, and wellness businesses. From a single dashboard, owners book appointments, take payments, manage staff and inventory, run marketing, and get discovered on a consumer marketplace and app. Founded in 2009 by Fred Helou, it now serves more than 83,000 businesses across the US, Canada, UK, and Australia, reached a $1 billion valuation in 2021, and bundles scheduling, point-of-sale hardware, embedded payments, and AI tools into one subscription.
Wingspan
Wingspan is a New York-based payroll and management platform built specifically for the 1099 contractor workforce. It automates the full contractor lifecycle - onboarding, W-9 verification, background checks, same-day payments, tax withholding, and automated 1099 filing - and now ships that stack as an embeddable, white-label API (Wingspan Embed) for HR, HCM, and PEO platforms. The company has processed more than $3 billion in contractor payments and counts Teladoc Health and CRU Group among its customers.
Clair
Clair is a New York-based embedded fintech that lets employees access wages they have already earned before payday, at no cost to their employer. Built directly into payroll and workforce-management platforms like Gusto and TriNet, Clair offers no-interest, non-recourse wage advances backed by partner bank Pathward, N.A. The company positions itself as a compliance-first alternative to payday lenders, aiming to break the traditional two-week pay cycle for America's frontline workforce.