Moon

What Moon does

Moon Technologies is a private B2B fintech company founded in 2018 and headquartered in New York that operates as a non-bank technology enabler for financial institutions and fintechs. The company provides proprietary APIs that integrate across a network of processors, data providers, sponsor banks, and financial institutions, enabling its enterprise clients to launch and operate consumer and enterprise card and digital payment offerings. Moon is explicit that it is not a bank or money service business; it manages the software layer that connects its clients to underlying financial infrastructure rather than holding deposits or moving money under its own license.

The company's revenue model is enterprise B2B technology enablement with subscription/recurring characteristics, sold via direct enterprise sales supported by a "Speak to an Expert" contact flow and dedicated Director of Sales and Director of Customer Success roles. Customer targeting is horizontal, serving any business unit needing cards or digital payments infrastructure. Pricing is not publicly disclosed and appears quote-based. To date, the company has raised approximately $11.7 million, including a $250,000 ERA accelerator investment in 2019, a $2.8 million crypto-led seed in June 2021, and an $8.66 million round in March 2026.

The founding team combines aerospace, institutional finance, and consumer-scale engineering backgrounds: Founder & CEO Ken Kruger (ex-Lockheed Martin, Cornell/Columbia), Director of Engineering Richard Mangione (ex-ALICE/Expedia, Harvard, US patent holder), Director of Business Operations Niko Klein (ex-Imprint Capital/Goldman Sachs, Columbia), Director of Sales Fox Holt (ex-GE, Cornell MBA), and engineering staff drawn from PayPal, IIT, UC Irvine, and prior Brazilian startup founders. Moon has also extended into digital asset infrastructure via a partnership with BitGo supporting APAC expansion in Singapore's regulated framework.

Name

Moon

Legal name

Moon Technologies

Website

https://moonte.ch

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

Moon Technologies is a private B2B fintech that provides proprietary API infrastructure integrating processors, sponsor banks, and data providers to power enterprise clients' card and digital payment offerings. It serves financial institutions and fintechs as a non-bank technology enabler, generating recurring subscription revenue via direct enterprise sales.

Ownership category

akta.pro rank

Product category

Payment Infrastructure

NAICS

Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (5182)

SIC

Finance Services (6199), 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 Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE), Digital Payments & Money Movement (ACH/SEPA/FPS, Bill Pay, P2P) (FSAGAAAF)

Keywords

• Card issuing platform
• Digital payments infrastructure
• Fintech api platform
• Embedded financial services
• Payment processing technology

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. B2B Technology Enablement: Moon Technologies generates revenue by providing software and services that power clients' customer-facing financial offerings. As a technology enabler, they integrate solutions across their network of processors, data providers, sponsor banks, and financial institutions via proprietary APIs. The company is not a bank nor a money service business, but rather provides the critical technology infrastructure for their clients' consumer and enterprise card and digital payment offerings.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

Moon Technologies provides a proprietary API infrastructure platform that enables banks, fintechs, and financial institutions to launch and operate card and digital payment products. The company integrates solutions across a network of processors, data providers, sponsor banks, and financial institutions, acting as a critical technology enabler rather than a bank or money service business.

Product overview

Moon Technologies is a B2B fintech company that provides financial solutions technology as a unified platform for cards and digital payments. The company operates as a software and services provider powering client-facing consumer and enterprise offerings, integrating solutions across processors, data providers, sponsor banks, and financial institutions via proprietary APIs. Moon Technologies positions itself as critical technology enablers rather than operating as a bank or money service business.

Differentiator

Problem solved

Functional benefit

Products and services

• Card and Digital Payments API Platform

Segments2 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• BitGocoreStrategic or Co-development PartnerBitGo, a digital asset infrastructure company, has partnered with Moon as part of its APAC expansion strategy. The partnership with Moon follows BitGo's recent partnerships with dtcpay and Moon, leveraging Singapore's regulated framework for institutional digital asset services. BitGo appointed a former MAS regulator to lead its APAC expansion, with Moon being one of the key partnerships supporting this growth strategy in the Asia-Pacific region.

Recent moves6 records

Expansion highlights4 records

Direct peers

• Marqeta: Public card-issuing and BaaS platform that powers consumer and enterprise card programs via APIs. Most direct comparable to Moon: same sponsor-bank-free, processor-orchestrating API model targeting fintech and enterprise clients.
• Unit: BaaS platform offering banking and payment infrastructure via APIs with embedded sponsor-bank connectivity. Directly comparable to Moon's positioning as an embedded-finance enabler sitting between clients and sponsor banks.
• Treasury Prime: BaaS platform that connects fintechs to a network of sponsor banks via APIs. Closely mirrors Moon's described model of integrating solutions across sponsor banks and processors via proprietary APIs.
• Lithic: Card-issuing API platform serving fintechs and embedded-finance use cases. Comparable to Moon's card-program focus via an API-first infrastructure model, although Lithic is more vertically focused on issuing.
• Synctera: BaaS platform pairing sponsor banks with fintech clients via APIs and embedded compliance tooling. Direct competitor to Moon in the multi-sponsor-bank BaaS category.
• Finix: Payments infrastructure provider offering APIs for payment orchestration, split payouts, and merchant onboarding. Comparable to Moon's orchestration layer across processors and financial institutions.
• Column (US Bank-adjacent): Bank-as-a-platform sponsor bank offering APIs for fintechs to build embedded deposit, card, and payment products. Comparable to Moon's sponsor-bank-enablement positioning, though Column is itself the chartered bank.

Broad incumbents

• Stripe Issuing: Embedded card-issuing product from Stripe, providing API-based infrastructure for fintechs to launch card programs. A broader incumbent alternative to Moon for clients prioritizing a single-vendor payments and issuing suite.
• Galileo Financial Technologies: Payments and card-issuing platform owned by SoFi, providing API infrastructure to banks and fintechs. Comparable to Moon as a processor-and-issuing infrastructure layer for digital payments at scale.

Emerging players

• Highnote: Embedded-finance platform offering card issuing and ledger-as-a-service via APIs. Comparable emerging player to Moon, focused on enabling fintechs and enterprises to launch card and payment products.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds6 records

Investors15 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Moon