Integrated Finance
Integrated Finance is a UK-based Banking-as-a-Service infrastructure platform that lets fintech startups, lenders, and platforms embed accounts, cards, payments, FX, and compliance via a modular API, aggregating 11+ banking and compliance providers.
- Company typePrivate
- Founded2019
- HeadquartersLondon, United Kingdom
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Integrated Finance does
Integrated Finance (legal entity I.F. Technology Limited) is a UK-based Banking-as-a-Service (BaaS) infrastructure provider founded in December 2019 and headquartered in London, with a secondary engineering office in Istanbul. The company offers a modular cloud-native platform (built on Google Cloud) that lets fintech startups, lenders, investment platforms, and non-financial platforms embed banking, payments, cards, FX, and compliance capabilities without building them in-house or obtaining their own banking licence. The technology is organised into three layers: the IF API as the interface surface, IF Core as the workflow and programmable-ledger orchestration engine, and IF Connect as an integration marketplace connecting to 11+ banking, card, and compliance providers (including ClearBank, Modulr, LHV, Currencycloud, Crown Agents Bank, thredd, Sumsub, and ComplyAdvantage).
The company sells through two tiers: Infrastructure (modular, pay-as-you-grow, customer brings their own licence) and Infrastructure PLUS (bundled licence, card issuing, account issuing, processing, and compliance under multi-year contracts). Distribution combines direct enterprise field sales (book-a-demo CTAs, emphasising £1.5m and 18-month development cost savings versus in-house builds) with developer self-serve channels (sandbox, API documentation, Slack community). As of May 2022, the company reported approximately 30 employees, 11 customers, and 11 provider connections, having raised a £2 million seed round in September 2021 led by Octopus Ventures and a subsequent round with Navigate Ventures in September 2025. Revenue is not publicly disclosed and the company remains privately held by its four co-founders.
Integrated Finance firmographics
Firmographics- Name
- Integrated Finance
- Legal name
- I.F. Technology Limited
- Website
- https://integrated.finance
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Integrated Finance is a UK-based Banking-as-a-Service infrastructure platform that lets fintech startups, lenders, and platforms embed accounts, cards, payments, FX, and compliance via a modular API, aggregating 11+ banking and compliance providers.
- Ownership category
- akta.pro rank
Integrated Finance industry classification
Industry- Product category
- Banking-as-a-Service Infrastructure
- NAICS
- Credit Intermediation and Related Activities (522)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- BaaS Platforms & Sponsor Bank Enablement (FSAGALAA)
- akta.pro secondary industries
- Embedded Card Issuing & Card-as-a-Service (FSAGALAC), Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE), Reconciliation, Ledgering & Money Movement Ops (Sub-ledgers, Settlement, Reporting) (FSAGALAL)
Keywords
Where Integrated Finance is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices3 records
Markets served
Integrated Finance business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Infrastructure, Marketing or Sales, Operations
Revenue model
- Infrastructure-as-a-Service Subscriptions: Modular platform subscription model where customers pay for access to infrastructure components including accounts, cards, compliance, and integrations. 'Pay as you grow' model implies consumption-based scaling as customer business grows.
- Infrastructure PLUS Licensing Package: Comprehensive package including licence, card issuing, account issuing, processing, and compliance under single contract. Higher-tier offering for customers needing complete embedded banking solution without own licence.
- Usage-Based Transaction Fees: Implied from 'Pay as you grow' positioning - fees likely scale with transaction volumes processed through the platform. Access to payment rails (Faster Payments, SEPA, SWIFT) suggests transaction-based revenue component.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Pay-as-you-go | Infrastructure - Modular component access |
| Subscription | Multi-year contract | Infrastructure PLUS - Full-service embedded banking |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels6 records
Integrated Finance product offering
Product offeringCore offering
Integrated Finance operates a modular Banking-as-a-Service (BaaS) infrastructure platform that delivers accounts, cards, compliance, money movement, FX, and licensing capabilities to fintech companies via a single API. The platform is offered as Infrastructure (modular, mix-and-match where customers bring their own licence) and Infrastructure PLUS (full-service package with IF providing licence, card issuing, account issuing, processing, and compliance under a single contract).
Product overview
Integrated Finance is a modular fintech infrastructure platform that offers two main product tiers: Infrastructure (a modular, mix-and-match approach where users bring their own licence and banking provider of choice) and Infrastructure PLUS (a comprehensive package that includes licence, card issuing, account issuing, processing, and compliance under a single contract). The platform provides modular infrastructure components covering Accounts Infrastructure (account issuing, transfers, ledger, FX), Cards Infrastructure (issuing, processing, virtual/physical/tokenised cards), Compliance Infrastructure (KYC/KYB, screening, monitoring), and Platforms (embedded banking for platforms). Supporting these core modules are Building Blocks (Accounts & Wallets, Marketplace providers, Customer Onboarding, Money Movement & FX, Ongoing Compliance & Risk, Card Issuing & Processing, Licensing & Regulatory Coverage, Platform, Data & Reconciliation, and Orchestration), the IF Core workflow layer, and IF Connect integration layer. The platform connects via IF API and supports multiple payment schemes including Faster Payments, SEPA, SEPA Instant, ACH, and SWIFT.
Differentiator
Problem solved
Functional benefit
Products and services
- Infrastructure Modular infrastructure-as-a-service platform that brings together the technology components required to launch, expand, or embed financial products. Customers bring their own licence and banking provider of choice; IF provides the mix-and-match technology stack with built-in accounts, cards, transfers, FX, and compliance integrations.
- Infrastructure PLUS
Quantifiable outcome
- Time to market reduced from 12-18 months to 6 weeks
- +4 more outcomes
Companies that use Integrated Finance
Customer profileNamed customers10 records
Segments5 records
Ideal customer profiles5 records
Integrated Finance technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration18 records
AI capability2 records
Feature6 records
Integrated Finance partnerships and signals
Strategic signalPartnerships
16 partnerships are on record, tiered core and supporting.
- ComplyAdvantagecoreComplyAdvantage, a RegTech company specializing in AI-driven financial crime risk detection, is integrated into fintech workflows through its partnership with Integrated Finance (IF), which automates and embeds compliance checks within core financial operations. The combined solution offers real-time screening, transaction monitoring, and risk management, potentially saving companies up to 18 months of development time and £1.5 million.
- CurrencycloudcorePreferred FX provider partnership. Currencycloud, a Visa solution, enables businesses to move money across borders and transact globally in multiple currencies. Integration allows IF fintech customers to build cross-border payments and FX functionality into their platforms quickly.
- ModulrcoreEmbedded payments solution provider. Direct participant of Faster Payments, principal issuing member of Visa, and authorized Open Banking provider. Seamlessly integrates with IF platform for UK and EU fintech clients.
- ClearBankcoreUK's first new clearing bank in over 250 years. Provides banking services to financial service providers, FCA-regulated businesses, and fintechs via IF platform.
- LHVcoreFintech-focused banking platform and payment services company providing banking services to over 300,000 customers. Integration supports card issuing and banking services for IF customers.
- RailsbanksupportingMakes financial products and services digital and embeddable, enabling deeper and richer customer experiences. Part of IF Connect ecosystem.
- NIUMsupportingGlobal payment and card issuance service provider with modular platform powering frictionless commerce across the globe.
- Crown Agents BanksupportingUK regulated provider of wholesale foreign exchange and cross-border payments services connected across developing, emerging and frontier markets.
- SumsubcoreAll-in-one suite for identity verification, fraud prevention, and KYC/AML. Integrated into IF compliance infrastructure for customer onboarding and ongoing monitoring.
- W2supportingKYC, AML, and ID verification provider offering global onboarding and monitoring solutions. Part of IF compliance ecosystem.
- threddcoreAward-winning issuer processing platform enabling customers to deliver global next-generation card payment services. Integrated for card issuing and processing capabilities.
- JudopaysupportingMobile payment platform offering the best all-round payment experience on mobile, web, and in-app. Part of IF payment integration ecosystem.
- Transact PaymentscoreInnovative UK and European BIN sponsorship and modular payment, debit, credit, and prepaid services provider.
- tell.moneysupportingOpen banking and confirmation of payee partner for fintech industry. Provides Dedicated Interface APIs, Confirmation of Payee, Test & Monitoring and money management tools.
- FlagrightcoreAI-native, no-code compliance platform with transaction monitoring, case management, risk scoring, AML screening, and AI Forensics. Trusted by financial institutions globally.
- AazzursupportingFront end for embedded finance offering modular, low-code UI blocks, seamless middleware integration, and access to curated fintech ecosystem. Helps businesses launch financial products 4x faster.
Scale indicators8 records
Recent moves6 records
Expansion highlights6 records
Integrated Finance competitors and assessment
Company assessmentBroad incumbents
- Banking Circle: European licensed payments bank offering banking-as-a-service infrastructure including accounts, payments, and FX. Overlaps with IF's compliance, multi-currency, and orchestration capabilities for fintech clients.
- Marqeta: Public card-issuing and processing platform serving modern card programs. Marqeta is both an IF partner/logo and a broader incumbent in the card infrastructure layer that IF's Cards module competes against.
- Solaris SE: European licensed Banking-as-a-Service platform offering accounts, cards, lending, and identity infrastructure via APIs. Comparable to IF on European embedded-finance focus and full-stack BaaS delivery.
- Stripe Treasury: Embedded financial accounts infrastructure within Stripe's broader payments platform. Comparable to IF in enabling platforms to embed banking, but bundled inside Stripe's much larger commerce and payments ecosystem.
Direct peers
- Synctera: BaaS platform pairing fintechs with sponsor banks and providing embedded banking, compliance, and card infrastructure. Competes head-on with IF in the multi-bank orchestration category.
- Railsr: UK-headquartered embedded finance platform providing card issuing, accounts, and compliance infrastructure. Direct European peer to IF in B2B BaaS, target customer (fintechs, platforms), and product scope.
- Unit: US-based embedded banking/BaaS platform offering accounts, cards, lending, and compliance APIs via a single integration. Closest direct peer to IF in product scope, target customer (fintechs and platforms), and developer-first API delivery model.
- Treasury Prime: US BaaS platform connecting fintechs to a network of sponsor banks via a single API, covering accounts, payments, and compliance. Highly comparable to IF on orchestration architecture and multi-bank connectivity.
- Weavr: Embedded finance infrastructure provider focused on helping businesses embed payments, banking, and card services via APIs. Closely comparable to IF's modular, developer-first approach to embedded finance.
Others
- Currencycloud: Visa-owned cross-border payments and FX infrastructure provider that is integrated into IF Connect as a partner. Comparable as an enabling layer in IF's ecosystem and a broader reference point for FX/payments infrastructure.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Integrated Finance social profiles
Digital presenceIntegrated Finance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Integrated Finance leadership team
Management profileNumber of profiles
Profiles6 records
Integrated Finance funding detail
Funding detailFunding overview
Funding rounds2 records
Investors7 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Integrated Finance 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 Integrated Finance
What does Integrated Finance do?
Integrated Finance operates a modular Banking-as-a-Service (BaaS) infrastructure platform that delivers accounts, cards, compliance, money movement, FX, and licensing capabilities to fintech companies via a single API. The platform is offered as Infrastructure (modular, mix-and-match where customers bring their own licence) and Infrastructure PLUS (full-service package with IF providing licence, card issuing, account issuing, processing, and compliance under a single contract).
Is Integrated Finance a public or private company?
Integrated Finance is a private company. It is classified as venture growth investor backed and is currently operating.
When was Integrated Finance founded?
Integrated Finance was founded in 2019. It employs 11 to 50 people.
Where is Integrated Finance based?
Integrated Finance is headquartered in London, United Kingdom, in the Europe region.
How does Integrated Finance make money?
Three revenue lines are on record. Infrastructure-as-a-Service Subscriptions are the primary driver. The others are infrastructure PLUS Licensing Package and usage-Based Transaction Fees.
Who are Integrated Finance's main competitors?
Broad incumbents on record are Banking Circle, Marqeta, Solaris SE and Stripe Treasury. Direct peers are Synctera, Railsr, Unit, Treasury Prime and Weavr. Currencycloud is listed as an others.
Does Integrated Finance have an API?
Yes. The IF API is an interface layer that allows systems to interact with the Integrated Finance platform. Through the API, users can integrate existing systems to the IF Platform, build experiences for clients, leverage workflows for issuing accounts, transfers, onboarding, and pricing, control how workflows operate, and connect to financial infrastructures of choice. The platform is structured in layers: messages enter through the IF API, get processed in IF Core (the workflow layer with standard customisable workflows for crucial financial functionality), and are sent to service providers via IF Connect (the integration layer connecting with banks, financial institutions, CRMs, screening products, and monitoring products). IF Core provides multiple automated flows for the most crucial financial functionality, while IF Connect provides integrations with various financial and auxiliary service providers. The platform uses JSON or XML formatted APIs with an API gateway that authenticates and directs external API calls. Developer documentation is at developer.integrated.finance/docs.
What industry is Integrated Finance in?
Integrated Finance's product category is Banking-as-a-Service Infrastructure. Its primary akta.pro industry code is FSAGALAA, BaaS Platforms & Sponsor Bank Enablement, with a secondary code of FSAGALAC, Embedded Card Issuing & Card-as-a-Service. Its NAICS code is 522 and its SIC code is 6199.