AAZZUR
AAZZUR is a Berlin- and London-based embedded finance orchestration platform that aggregates 40+ fintech and BaaS partners behind 70+ pre-built Smart Finance Blocks and a unified API, serving startups, enterprises and financial service providers that want to embed banking, cards, payments, wealth, lending and insurance into their own products without building the underlying stack.
- Company typePrivate
- Founded2017
- HeadquartersBerlin, Germany
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What AAZZUR does
AAZZUR is a Berlin-headquartered embedded finance orchestration platform with a UK parent (AAZZUR Limited, registered in England and Wales, company number 10840965) and a London regional office. Founded in 2017 by Philipp Buschmann (CEO), Martin Damaske (COO/CFO) and Richard Unger (CTO), the company sits between BaaS/fintech providers and enterprises that want to embed financial services into their own digital products. Its core product is a cloud-based middleware orchestration layer that aggregates more than 40 fintech partners across accounts, cards, payments, FX, wealth, lending and insurance, exposed to clients through 70+ pre-built Smart Finance Blocks and a unified REST/GraphQL API. The stack runs on Java 11, Spring Boot, Spring Cloud, AWS/GCP, Apache Camel, Redis, MongoDB, Docker and Kubernetes, with CI/CD and Swagger documentation surfaced via a public developer portal.
AAZZUR's offering bundles three engagement models: a managed Plug-and-Play configuration, partner-led Customisation through a network of implementation/integration SIs (Innovify, TIS GRUPA and others), and a Do-it-yourself path via its API documentation portal. The technology layer supports KYC/AML orchestration (Fourthline, Fullcircl, Sumsub, KYP, Sikoia), card tokenisation (MeaWallet), open banking data (Nordigen covering 2,000+ European banks and Salt Edge covering 5,000+ banks globally), BaaS rails (Solaris as a preferred provider, Treezor, Swan, Wallester), wealth (Additiv), insurance (Bsurance), SME funding (Channel Capital) and cross-border payments (Corpay Cross-Border, Okoora, Wise).
The business generates revenue through SaaS subscriptions, platform licensing, partner/provider commissions on routed transactions, and implementation/professional services for design and configuration workshops. Go-to-market is sales-led and enterprise-focused with regional field sales in Berlin and London, complemented by a channel/partner network, heavy event presence (FinovateEurope, Money20/20, TechQuartier), content and PR, and a developer-portal self-serve motion. Customer segments span early-stage startups and ventures launching MVPs, corporates/scale-ups embedding financial services into existing products, and financial service providers (banks, asset managers, wealth managers) distributing via APIs. Pricing is not public; deals are quote-based and typically include a mix of SaaS/licensing fees, integration services and commission share.
AAZZUR firmographics
Firmographics- Name
- AAZZUR
- Legal name
- AAZZUR Limited (UK) / AAZZUR Services GmbH & AAZZUR GmbH (Germany)
- Website
- https://aazzur.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- AAZZUR is a Berlin- and London-based embedded finance orchestration platform that aggregates 40+ fintech and BaaS partners behind 70+ pre-built Smart Finance Blocks and a unified API, serving startups, enterprises and financial service providers that want to embed banking, cards, payments, wealth, lending and insurance into their own products without building the underlying stack.
- Ownership category
- akta.pro rank
AAZZUR industry classification
Industry- Product category
- Embedded Finance Platform / Fintech Infrastructure
- NAICS
- Computer Systems Design and Related Services (54151), Other Activities Related to Credit Intermediation (52239), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518210)
- SIC
- Services-Prepackaged Software (7372), Services-Computer Programming Services (7371)
- akta.pro primary industry
- BaaS Platforms & Sponsor Bank Enablement (FSAGALAA)
- akta.pro secondary industries
- Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD), Embedded Insurance Distribution & Premium Financing (FSAGALAF), Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE), Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK), Data/Apps Connectivity & Adapters (Connectors, Drivers, SDKs) (HDAEAIAK)
Keywords
Where AAZZUR is headquartered
LocationHeadquarters
- HQ city
- Berlin
- HQ country
- Germany
- HQ region
- Europe
Offices3 records
Markets served
AAZZUR business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- SaaS Platform Subscription: AAZZUR offers its embedded finance platform as a SaaS solution. Financial Service Providers can choose between SaaS or licensing. Recurring revenue stream tied to platform usage and customer integration.
- Licensing: AAZZUR offers licensing of its platform (alternative to SaaS) for financial service providers wanting to provide financial services products through APIs.
- Partner/Provider Commission Revenue: AAZZUR earns additional revenue via commission from the providers who charge fees for additional services or specialist accounts or on interchange. Customers can 'earn additional revenue via commission from the providers' as AAZZUR's platform routes transactions through partner providers.
- Implementation / Professional Services: AAZZUR delivers design workshops, technical development, and app configuration to help clients build their own branded fintech solutions, executed in record time.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| — | — | Custom enterprise pricing via Book a Demo / contact sales |
Go-to-market motion5 records
Distribution channels4 records
Marketing channels8 records
AAZZUR product offering
Product offeringCore offering
AAZZUR provides an embedded finance orchestration platform that enables startups, enterprises and financial service providers to integrate and white-label banking, cards, payments, lending, wealth and insurance products without building the underlying tech stack. Its offering combines 70+ pre-built Smart Finance Blocks (front-end UI components) with a cloud-based middleware integration layer and unified REST/GraphQL APIs that connect clients to a curated network of regulated BaaS and fintech partners. Clients can engage via Plug-and-Play, Customisation through implementation partners, or Do-it-Yourself API integration.
Differentiator
Problem solved
Functional benefit
Brands
- Smart Finance Blocks (SFB): AAZZUR's modular, white-label pre-configured set of front-end screens, micro-services, and API-provider connections (over 70 unique SFBs) that consolidate customers' accounts, investments, insurances, lending, cards, and other financial services in one place.
Products and services
- Smart Finance Blocks (SFBs)
Quantifiable outcome
- 4x faster to launch and up to 10x lower initial costs versus in-house builds
- +4 more outcomes
Companies that use AAZZUR
Customer profileNamed customers12 records
Segments4 records
Ideal customer profiles3 records
AAZZUR technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature7 records
AAZZUR partnerships and signals
Strategic signalPartnerships
29 partnerships are on record, tiered major tier-one commercial partnership, major card-issuing ecosystem partner, engagement / financial literacy partner, major delivery / implementation partner, core wealth management partner, insurance ecosystem partner, sme funding partner, open banking data partner, kyc / compliance partner, kyc / kyb / aml partner, strategic orchestration partner (sell-with), implementation / product engineering partner, risk intelligence partner, card-scheme tokenisation partner, core open banking data infrastructure, fx / currency management partner, capital markets partner, major embedded finance platform partner (sell-with), open banking psd2 partner, customer data platform partner, concierge / value-added services partner, flagship baas / preferred provider status, kyc / kyb / fraud prevention partner, embedded finance partner (france), major baas partner (expanded scope), cash infrastructure partner (dach), international transfers partner, strategic / investor-adjacent partner and regulated data processor / e-money partner.
- Corpay Cross-Border (Corpay Inc.)major tier-one commercial partnershipAAZZUR has partnered with Corpay Cross-Border to combine AAZZUR's infrastructure with Corpay's global network for cross-border payments. Enables businesses using AAZZUR's technology to integrate and manage international transactions, expenses, and payment solutions more efficiently. This is AAZZUR's third partnership announcement in 2026.
- Wallestermajor card-issuing ecosystem partnerEU-based electronic money institution and Visa Principal Member. AAZZUR incorporated Wallester's card issuing infrastructure into its ecosystem, enabling clients to access card issuing capabilities, BIN sponsorship, and payment infrastructure across the European Economic Area through a single integration point.
- Doshiengagement / financial literacy partnerAI-native engagement platform ('Duolingo of Money') that turns financial literacy into financial action. AAZZUR partnership with Doshi moves users from learning financial concepts to accessing lending and wealth products via AAZZUR.
- TIS GRUPAmajor delivery / implementation partnerCroatia-based systems integrator with 120+ experts in AI, banking, EU regulations, and digital transformation. Partnership covers orchestrating multi-vendor deployments, leading SQA processes, Smart Block Integration, and supporting clients in operationalising embedded finance services across Southeast Europe and the UK.
- Additivcore wealth management partnerSwiss embedded wealth platform (DFS® orchestration layer). Through this collaboration, Additiv's platform is enabling a new digital bank to offer compliant end-to-end wealth management services via AAZZUR.
- Bsuranceinsurance ecosystem partnerInsurtech company that brings together B2C companies and insurance risk carriers to build embedded insurance at point of sale. AAZZUR integrates Bsurance's insurance products into the AAZZUR ecosystem.
- Channel Capitalsme funding partnerUK FCA-authorised and regulated alternative asset manager; over $20 billion of credit assets managed. Partners with AAZZUR to provide funding-as-a-service and embedded finance, delivering vital funding to SMEs.
- Finleap Connectopen banking data partnerOpen Banking platform that provides AAZZUR with harmonised financial information, data analytics, and payment functionalities to enable more engaging and personalised financial experiences.
- Fourthlinekyc / compliance partnerProvides bank-grade KYC onboarding and compliance lifecycle solutions so that AAZZUR's financial service provider clients can be KYC, AML, and GDPR compliant in Europe.
- Fullcirclkyc / kyb / aml partnerGlobal compliance provider for KYC, anti-money laundering, KYB and ID verification. Provides AAZZUR with the most customer-focused compliance solution for active risk management.
- Integrated Financestrategic orchestration partner (sell-with)SaaS company providing a cloud-native orchestration layer that gives other fintechs and SaaS companies a single API to access and integrate multiple financial services. AAZZUR partnership announced as a 'sell-with' dynamic.
- Innovifyimplementation / product engineering partnerUK-based digital product engineering agency with 15+ years of experience and 120+ products delivered. Helps AAZZUR's clients design, build, and scale market-ready fintech platforms.
- KYPrisk intelligence partnerRisk intelligence platform that proactively protects businesses from fraud and emerging threats. KYP partnership strengthens trust and transparency in AAZZUR's embedded finance offering.
- MeaWalletcard-scheme tokenisation partnerCertified vendor of Mastercard, Visa, and American Express providing a single integration point for all major card schemes. AAZZUR uses MeaWallet to provide secure and compliant card services.
- Nordigencore open banking data infrastructureFreemium open banking data platform. As an infrastructure partner, Nordigen enables AAZZUR to connect to 2000+ banks in Europe and get raw transaction data.
- Okoorafx / currency management partnerGlobal currency management infrastructure solution helping businesses facilitate FX conversion, hedging, or international payments. AAZZUR integrates Okoora to transform currency workflows into scalable infrastructure.
- Portagoncapital markets partnerSaaS platform enabling financial intermediaries and businesses to raise capital online; AAZZUR integrates Portagon's 'portagon go' for flexible digital financing.
- Railsrmajor embedded finance platform partner (sell-with)UK-based embedded finance platform operating in UK, Europe, APAC, and US. Railsr and AAZZUR have already delivered joint solutions to several clients; AAZZUR is a Railsr partner for Banking, Credit, and Rewards.
- Salt Edgeopen banking psd2 partnerPSD2 compliant open banking data services provider. Salt Edge's open banking API solutions enable AAZZUR to access 5000 banks globally, empowering businesses to create smart services based on data aggregation.
- Sikoiacustomer data platform partnerUnified Data Platform and orchestration layer that enriches and aggregates customer data to automate compliance and risk processes such as onboarding, verification, and portfolio monitoring.
- Sincuraconcierge / value-added services partnerLuxury concierge, lifestyle, tickets, and events provider for private and corporate clients. AAZZUR embeds Sincura's value-added services into its clients' products.
- Solarisflagship baas / preferred provider statusEuropean banking-as-a-service and core banking platform. AAZZUR is a preferred provider to Solaris; combining AAZZUR's frontend technology with the Solaris BaaS platform to enable instant embedding of financial products.
- Sumsubkyc / kyb / fraud prevention partnerOne verification platform that secures the whole user journey with KYC, KYB, transaction monitoring, and fraud prevention solutions for AAZZUR's ecosystem.
- Swanembedded finance partner (france)France-based embedded finance platform. Swan's simple APIs enable European companies to integrate banking services (accounts, cards, payments) into their products. AAZZUR integrates Swan into its ecosystem.
- Treezormajor baas partner (expanded scope)European banking-as-a-service company (PI/EMI authorised in 25 countries, Principal Member of international card schemes). AAZZUR partnership scope expanded at Money20/20; Treezor products combine with AAZZUR's for quick-to-market embedded finance.
- ViaCashcash infrastructure partner (dach)Largest independent barcode-based cash infrastructure in Europe (known as 'Barzahlen' in DACH) with 20,000+ points of acceptance. Allows withdrawals and deposits at supermarket checkouts via a barcode.
- Wise (formerly TransferWise)international transfers partnerGlobal financial technology company offering international remittance and currency transfer services. AAZZUR integration brings fast and transparent money transfers to its clients.
- Mastercardstrategic / investor-adjacent partnerOngoing strategic support from Mastercard, which is now investing in AAZZUR's initiatives and onboarding AAZZUR as a supplier. AAZZUR won 'Startup of the 2024 for Business Model Innovation' by Mastercard.
- PayrNet Limited (Railsbank Technology)regulated data processor / e-money partnerWholly owned subsidiary of Railsbank Technology Limited; provides regulated financial services to Railsbank customers (FCA authorisation 900594). Data controller in relation to AAZZUR Accounts and all necessary activities for the operation of the AAZZUR services.
Scale indicators8 records
Recent moves6 records
Expansion highlights7 records
AAZZUR competitors and assessment
Company assessmentBroad incumbents
- Solaris SE: European BaaS and core banking platform. Although Solaris is also AAZZUR's preferred partner for BaaS infrastructure, it has launched its own embedded banking/distribution capabilities and could compete with AAZZUR's orchestration layer for enterprise customers seeking an all-in-one provider.
- Treezor: European BaaS provider (PI/EMI authorised in 25 countries). AAZZUR's expanded partnership with Treezor is strategic, but Treezor's distribution ambitions put it in partial overlap with AAZZUR's embedded finance orchestration proposition.
- Thought Machine: Cloud-native core banking platform (Vault). While more infrastructure-focused than AAZZUR, it competes for the same enterprise banking modernization budget and increasingly offers embedded/distribution capabilities.
- Mambu: SaaS core banking platform used by neobanks and embedded finance players. Mambu competes with AAZZUR's banking component providers and could disintermediate by adding orchestration features of its own.
- Stripe Connect: Embedded payments/financial infrastructure from Stripe that enables platforms to embed payments, issuing and banking-as-a-service. A broad incumbent against which AAZZUR must compete for enterprise embedded finance budgets.
Direct peers
- Railsr (formerly Railsbank): UK-based embedded finance platform offering banking, credit and rewards infrastructure. Railsr is a strategic 'sell-with' partner of AAZZUR but also competes for the same enterprise customers building embedded finance propositions, making it both a channel and a competitor.
- Alviere: US-headquartered embedded finance platform offering a single API for accounts, cards, payments and compliance — directly comparable to AAZZUR's positioning as an orchestration layer between brands and BaaS providers.
- Banked: UK-based embedded finance / pay-by-bank orchestration platform that sits between banks and merchants. Comparable to AAZZUR in mission (open APIs to embed financial products) and in European orientation.
- Crassula: White-label digital banking and embedded finance platform offering front-end-as-a-service, APIs and partner integrations — closely comparable to AAZZUR's Smart Finance Blocks and middleware orchestration approach.
Others
- Plaid: Open banking/data connectivity provider. Not a direct competitor but AAZZUR integrates open banking via Nordigen/Salt Edge; Plaid is a strategic adjacent player and potential substitute for some embedded finance use cases.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
AAZZUR social profiles
Digital presenceAAZZUR financial estimates
Financial estimateRevenue estimate
Valuation estimate
AAZZUR leadership team
Management profileNumber of profiles
Profiles12 records
AAZZUR funding detail
Funding detailFunding overview
Funding rounds7 records
Investors12 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
AAZZUR M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about AAZZUR
What does AAZZUR do?
AAZZUR provides an embedded finance orchestration platform that enables startups, enterprises and financial service providers to integrate and white-label banking, cards, payments, lending, wealth and insurance products without building the underlying tech stack. Its offering combines 70+ pre-built Smart Finance Blocks (front-end UI components) with a cloud-based middleware integration layer and unified REST/GraphQL APIs that connect clients to a curated network of regulated BaaS and fintech partners. Clients can engage via Plug-and-Play, Customisation through implementation partners, or Do-it-Yourself API integration.
Is AAZZUR a public or private company?
AAZZUR is a private company. It is classified as venture growth investor backed and is currently operating.
When was AAZZUR founded?
AAZZUR was founded in 2017. It employs 11 to 50 people.
Where is AAZZUR based?
AAZZUR is headquartered in Berlin, Germany, in the Europe region.
How does AAZZUR make money?
Four revenue lines are on record. SaaS Platform Subscription is the primary driver. The others are licensing, partner/Provider Commission Revenue and implementation / Professional Services.
Who are AAZZUR's main competitors?
Broad incumbents on record are Solaris SE, Treezor, Thought Machine, Mambu and Stripe Connect. Direct peers are Railsr (formerly Railsbank), Alviere, Banked and Crassula. Plaid is listed as an others.
Does AAZZUR have an API?
No public API is recorded for AAZZUR.
What industry is AAZZUR in?
AAZZUR's product category is Embedded Finance Platform / Fintech Infrastructure. Its primary akta.pro industry code is FSAGALAA, BaaS Platforms & Sponsor Bank Enablement, with a secondary code of FSAGALAB, Embedded Payments (Pay-ins, Pay-outs, Wallets). Its NAICS code is 54151 and its SIC code is 7372.