Terafina
Terafina is an Atlanta-based fintech founded in 2014 that offers a multi-product financial services platform — consumer deposits, small business lending, crypto, commercial cards, and merchant services — likely serving banks, credit unions, and fintechs needing embedded financial capabilities.
- Company typePrivate
- Founded2014
- HeadquartersAtlanta, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
Terafina firmographics
Firmographics- Name
- Terafina
- Legal name
- Terafina
- Website
- https://terafina.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Terafina is an Atlanta-based fintech founded in 2014 that offers a multi-product financial services platform — consumer deposits, small business lending, crypto, commercial cards, and merchant services — likely serving banks, credit unions, and fintechs needing embedded financial capabilities.
- Ownership category
- akta.pro rank
Terafina industry classification
Industry- Product category
- Banking-as-a-Service Platform
- NAICS
- Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (522180), Other Nondepository Credit Intermediation (52229)
- SIC
- Functions Related To Depository Banking, Nec (6099), Personal Credit Institutions (6141), National Commercial Banks (6021)
- akta.pro primary industry
- Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE)
- akta.pro secondary industries
- BaaS Platforms & Sponsor Bank Enablement (FSAGALAA), Cross-Border FX, Multi-Currency & Treasury for Payments (FSAGABAK)
Keywords
Where Terafina is headquartered
LocationHeadquarters
- HQ city
- Atlanta
- HQ country
- United States
- HQ region
- North America
Markets served
Terafina business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Terafina product offering
Product offeringCore offering
Terafina provides a suite of financial services products including consumer deposits, small business lending, crypto, commercial cards, and merchant services. The company appears to offer these as embedded or white-label financial offerings to other businesses, enabling partners to deliver deposits, lending, card, crypto, and payment products to their end customers.
Differentiator
Problem solved
Functional benefit
Products and services
- Consumer Deposits
- Small Business Lending
- Crypto
- Commercial Cards
- Merchant Services
Companies that use Terafina
Customer profileIdeal customer profiles1 record
Terafina technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Terafina competitors and assessment
Company assessmentEmerging players
- Bankjoy: Digital banking and account-opening platform serving credit unions and community banks; similar size and go-to-market profile with overlapping deposit and onboarding capabilities.
- Synctera: Banking-as-a-service platform connecting fintechs and brands to sponsor banks for deposits, cards, and lending; an emerging competitor intersecting with Terafina's deposit and merchant services footprint.
Direct peers
- Apiture: Digital banking platform focused on account opening, deposits, and digital channels for community and mid-sized banks; highly comparable in target customer and core functionality.
- nCino: Cloud-based banking platform serving FIs with deposit account opening, lending, and onboarding workflows; one of the closest direct competitors to Terafina's core product surface.
- Baker Hill (Baker Hill NextGen): Loan origination and small business banking software for community banks and credit unions; directly comparable to Terafina's small business lending functionality.
Others
- Plaid: Financial data connectivity layer used by banks and fintechs; not a direct competitor but an enabling/ecosystem participant whose data infrastructure complements deposit, lending, and merchant workflows.
Broad incumbents
- Jack Henry & Associates: Large incumbent technology provider to community and mid-tier banks with deposits, lending, cards, and merchant services; competes across virtually all of Terafina's product categories but at much larger scale.
- Temenos: Banking software vendor with deposits, lending, and digital channels offerings; targets a global FI base with similar deposit and SMB lending capabilities.
- Q2 Holdings: Provider of digital banking and lending solutions to community and mid-market banks and credit unions; overlaps with Terafina across deposit and SMB lending capabilities but offers a much broader product suite.
- Finastra: Global financial software provider with retail, lending, and payments capabilities; an incumbent whose product breadth competes for the same FI budgets as Terafina.
Market position
Customer concentration
Terafina social profiles
Digital presenceTerafina financial estimates
Financial estimateRevenue estimate
Valuation estimate
Terafina leadership team
Management profileNumber of profiles
Profiles1 record
Terafina funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Terafina 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 Terafina
What does Terafina do?
Terafina provides a suite of financial services products including consumer deposits, small business lending, crypto, commercial cards, and merchant services. The company appears to offer these as embedded or white-label financial offerings to other businesses, enabling partners to deliver deposits, lending, card, crypto, and payment products to their end customers.
Is Terafina a public or private company?
Terafina is a private company. It is classified as unknown and is currently operating.
When was Terafina founded?
Terafina was founded in 2014. It employs 11 to 50 people.
Where is Terafina based?
Terafina is headquartered in Atlanta, United States, in the North America region.
Who are Terafina's main competitors?
Emerging players on record are Bankjoy and Synctera. Direct peers are Apiture, nCino and Baker Hill (Baker Hill NextGen). Plaid is listed as an others. Broad incumbents are Jack Henry & Associates, Temenos, Q2 Holdings and Finastra.
Does Terafina have an API?
No public API is recorded for Terafina.
What industry is Terafina in?
Terafina's product category is Banking-as-a-Service Platform. Its primary akta.pro industry code is FSAGALAE, Embedded Deposit Accounts & Digital Wallet Infrastructure, with a secondary code of FSAGALAA, BaaS Platforms & Sponsor Bank Enablement. Its NAICS code is 5221 and its SIC code is 6099.