Integrated Finance is a cloud-native financial infrastructure platform that connects fintech products with core services and provider workflows. Its orchestration layer coordinates accounts, payments, cards and compliance across banking partners through one integration. Features include multi-currency accounts and wallets, branded virtual and physical cards, and tokenised cards for Apple Pay and Google Pay. Payment and treasury tools cover routing, automated fee sweeps, split payments, liquidity management and provider failover. A real-time double-entry ledger records accounts, payments and card authorisations across products, currencies and counterparties. MidOffice includes KYC/KYB, AML monitoring, sanctions screening, audit trails and UK and EU licensing options. Named integrations include Sumsub, Onfido, ComplyAdvantage, Featurespace, KYP and Thredd. A REST API and webhooks send state changes to customer systems, and a sandbox can be requested to test accounts, payments, cards and webhooks before going live. The company says required data is encrypted and its platform is hosted on Google Cloud. The platform is presented for fintechs, marketplaces, BaaS/CaaS providers and financial infrastructure providers. Pricing is on request; no free plan is listed.
Who it is for
It is presented for fintechs, marketplaces, BaaS/CaaS providers and financial infrastructure providers that need to connect financial services through an orchestration layer. Teams can request sandbox access to test accounts, payments, cards and webhooks.
What is good
- Orchestrates accounts, payments, cards and compliance.
- Includes multi-currency accounts and wallets.
- Offers a real-time double-entry ledger.
- REST API and webhooks send state changes.
- Sandbox available by request.
What to know first
- Pricing is on request.
- No free plan.
- Sandbox access must be requested.
Verdict
Integrated Finance brings payment, account, card and compliance workflows into one orchestration platform with API and sandbox access. Buyers need to contact the company for pricing and request sandbox access.
Compared on banking-as-a-service platforms
- Free plan
- No
- Card issuing
- Yes
- Embedded accounts
- Yes
- KYC/AML tools
- Yes
- Ledger
- Yes
- Supported regions
- UK, EU, 100+ countries for local payment systems
