Powering Embedded Payments for Fintech Applications

Fintech is transforming financial services, from digital wallets to neobanks to marketplace lending platforms. But building and maintaining the infrastructure for embedded payments—across both euro and crypto rails—can be time-consuming, expensive, and compliance-heavy.

A fast-scaling fintech platform approached Monetum with the need for a reliable backend to manage euro accounts, batch payouts, and crypto operations—all within a regulated environment and with robust API capabilities.

The Challenge: Building Financial Infrastructure Slows Innovation

The fintech startup had a strong front-end app with a growing user base across Europe. But its payment stack was fragmented and limiting:

  • Multiple providers for EUR transfers, crypto payments, and client account management.
  • Slow onboarding and KYC processes, making it harder to bring new users to the platform.
  • Manual reconciliation and compliance workflows, increasing overhead.
  • No unified API, which slowed feature development and deployment.

These issues drained engineering resources and prevented the company from focusing on core features.

The Monetum Solution: Plug-and-Play Financial Infrastructure

Monetum delivered a ready-to-integrate solution with all the functionality the fintech platform needed:

  • Dedicated EUR IBANs for clients, created instantly with full compliance support.
  • Batch payment and payout tools, embedded directly into the app for SEPA transactions.
  • Crypto wallet functionality built into the dashboard, with easy EUR conversion and transfers.
  • Open Banking support to simplify top-ups and withdrawals.
  • REST API access, giving the platform the ability to integrate payments into its existing backend.

Monetum also offered a responsive support team and personalized onboarding, helping the fintech stay agile.

The Impact: Fast Deployment, Better UX, and Reduced Costs

  • Two-week implementation of embedded Monetum features using our plug-and-play API.
  • Up to 60% reduction in transaction and operational costs, by consolidating vendors.
  • Faster user onboarding, due to automated KYC workflows and immediate IBAN creation.
  • Improved product velocity, with engineering teams freed up to focus on core features.
  • Access to crypto operations without managing risk internally, thanks to Monetum’s secure platform.

The fintech platform rapidly expanded across three new European markets after integrating Monetum, supported by scalable infrastructure that didn’t compromise on compliance.

Why It Matters

The global embedded finance market is forecast to reach €230 billion by 2030, and early-stage fintechs need reliable infrastructure to compete. Monetum offers a future-ready backend that lets innovators go to market faster, reduce cost, and remain fully compliant.


Whether you’re launching a neobank, DeFi app, or financial marketplace, Monetum can help you embed payment flows securely and efficiently—so you can focus on growth, not infrastructure.

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