The Ultimate Guide for Founders, CFOs, and Finance Teams
Choosing the right fintech stack can make or break a company’s financial operations. Today, finance leaders are not only responsible for budgeting and compliance, but also for enabling growth through smart, scalable technology choices. Whether you are a B2B founder building a global marketplace, a CFO steering a SaaS scale-up, or a finance team tasked with managing complex payments, finding the best fintech tools is critical. Therefore, here comes our Top 100 Fintech Tools and Platforms for Businesses.
Table of contents
- Banking-as-a-Service & Embedded Banking APIs
- Billing, Invoicing & Revenue Management
- KYC, AML & Identity Verification
- Payments & FX Management
- Crypto & Web3 Finance
- Open Banking & Data Aggregation APIs
- Spend & Expense Management
- Accounting, FP&A & Financial Operations
- Treasury & Cash Management
- Fintech Enablers & Developer Tools
In 2025, the line between finance and technology has blurred. Modern finance teams rely heavily on embedded finance, SaaS fintech software, finance APIs, and cloud-based platforms to run everything from payments to compliance to cash management. This guide covers the top 100 fintech tools across key categories including banking APIs, billing, KYC/AML, FX, crypto tools, and open banking.
Banking-as-a-Service & Embedded Banking APIs
Let’s start the top 100 fintech tools and platforms with embedded finance. Embedded finance has exploded in recent years, allowing non-bank companies to offer banking products like accounts, cards, and payments.
These finance APIs make it possible to launch financial services quickly without building a bank from scratch.
Here are the top players:
1. Stripe Treasury
Powers embedded financial services by enabling platforms to create bank accounts, move money, and manage compliance.
Best for: SaaS platforms adding financial services for users.
2. Unit
A banking-as-a-service platform that offers APIs for checking accounts, cards, payments, and lending infrastructure.
Best for: Startups launching fintech products fast.
3. Solaris
A leading European BaaS provider that allows companies to offer banking services across the EU with full regulatory coverage.
Best for: Companies expanding across Europe.
4. Treasury Prime
Provides direct bank relationships combined with a flexible API platform for deposits, payments, and ledger services.
Best for: US-based fintechs needing deep bank integrations.
5. Treezor
Enables card issuance, bank accounts, payment processing, and lending via a unified API layer.
Best for: Platforms requiring multi-product financial offerings.
6. ClearBank
Offers real-time banking infrastructure including clearing, agency banking, and embedded accounts through API access.
Best for: Fintechs needing access to UK payments rails like FPS, BACS, and CHAPS.
7. Railsr
Formerly Railsbank, provides BaaS and embedded finance solutions, including cards, payments, and credit products.
Best for: Brands looking to offer white-labelled financial products.
8. Griffin
A new generation API-first bank aiming to combine direct banking services with developer-friendly tools.
Best for: Early-stage fintechs and financial infrastructure builders.
9. Mbanq
A global BaaS provider covering card issuance, lending, core banking, and compliance-as-a-service.
Best for: Businesses expanding into emerging markets.
10. Bond
An embedded finance platform offering APIs for card issuance, account creation, compliance management, and money movement.
Best for: US fintechs building financial features into non-financial apps.
11. Column Bank
A developer-first bank providing core banking APIs with a full banking licence.
Best for: Companies needing maximum flexibility and direct access to the US banking system.
12. Cross River
Provides embedded payments, banking, and lending infrastructure for fintechs, with a strong compliance focus.
Best for: Fintechs requiring robust regulatory alignment in the US.
13. Bankable
A European provider offering modular BaaS solutions, including virtual accounts, e-wallets, and card management platforms.
Best for: Enterprises launching digital banking initiatives.
14. Monavate
A UK-based BaaS provider offering card issuing, programme management, and payment services through APIs.
Best for: Businesses seeking quick-to-launch card solutions.
15. Weavr
A plug-and-play embedded finance platform designed for non-financial companies, with ready-made use case templates.
Best for: SaaS companies embedding financial services without heavy engineering lift.
16. Galileo (by SoFi)
Provides APIs for issuing cards, managing deposits, processing payments, and offering lending products, powering many fintech brands.
Best for: Companies looking to launch full-stack fintech products quickly.
Billing, Invoicing & Revenue Management
Let’s continue the Top 100 fintech tools and platforms with getting paid, that is billing and invoicing. Billing complexity grows quickly as businesses scale across customers, geographies, and pricing models. Manual invoicing and payment collection become unsustainable, while errors can damage cash flow and customer trust. Modern SaaS fintech software for billing and revenue management automates processes, ensures compliance, and accelerates growth.
Here are the leading tools powering financial operations:
17. Chargebee
A subscription billing platform offering recurring billing, invoicing, revenue recognition, and dunning management.
Best for: SaaS companies managing complex subscription models.
18. Recurly
Helps businesses automate subscription billing, optimise revenue recovery, and manage churn with flexible billing cycles.
Best for: High-volume subscription businesses seeking to minimise failed payments.
19. Paddle
An all-in-one payments, billing, and tax compliance platform designed specifically for SaaS companies.
Best for: Software businesses selling globally without handling sales tax complexities directly.
20. Stripe Billing
An extension of Stripe’s core platform, enabling usage-based, tiered, and recurring billing with automated invoicing and payment retries.
Best for: Startups and enterprises already using Stripe for payments.
21. Zoho Subscriptions
A flexible subscription billing solution with integrated invoicing, dunning management, and multi-currency support.
Best for: SMEs needing an affordable, scalable billing system.
22. Maxio
Provides advanced SaaS revenue management features including subscription analytics, ASC 606-compliant revenue recognition, and contract billing.
Best for: Growth-stage SaaS companies with complex customer contracts.
23. Invoiced
A cloud-based billing platform that automates invoicing, collections, payment plans, and account receivables management.
Best for: Mid-sized businesses seeking to streamline receivables operations.
24. Bill.com
A business payments solution that automates accounts payable, accounts receivable, and invoice workflows, integrated with major accounting systems.
Best for: SMEs modernising back-office finance operations.
25. Ordway
A billing and revenue automation platform built for flexible contracts, usage-based billing, and hybrid SaaS pricing models.
Best for: SaaS platforms evolving toward complex usage and tiered pricing.
26. YayPay by Quadient
Focuses on automating accounts receivable management, combining billing, collections, cash application, and predictive analytics in one platform.
Best for: Finance teams aiming to improve DSO and cash flow forecasting.
KYC, AML & Identity Verification Platforms
Next in the top 100 fintech tools and platforms is compliance. It is non-negotiable for any business handling payments, onboarding customers, or moving money across borders. Strong Know Your Customer (KYC) and Anti-Money Laundering (AML) frameworks are now expected not just by regulators, but by enterprise partners and customers.
The best SaaS fintech software for KYC and AML helps companies automate checks, improve onboarding conversion, and stay audit-ready.
Here are the top platforms driving innovation in this critical space:
27. Alloy
A flexible KYC and fraud prevention platform that helps fintechs and banks automate onboarding and monitor customer behaviour in real time.
Best for: Digital banks and B2B fintechs needing dynamic risk management.
28. Persona
Provides fully customisable identity verification flows with options for ID checks, biometrics, and database lookups.
Best for: Companies needing user-friendly, brandable KYC experiences.
29. Onfido
Offers AI-powered document verification, facial biometrics, and database screening through easy-to-integrate APIs.
Best for: Businesses expanding globally that require high verification speed.
30. Jumio
One of the longest-standing providers of ID verification and AML compliance tools, covering document checks, liveness detection, and transaction monitoring.
Best for: Enterprises with stringent regulatory requirements.
31. Veriff
Specialises in advanced video-based identity verification with high fraud detection rates and rapid onboarding speeds.
Best for: Platforms prioritising fraud prevention without sacrificing user experience.
32. Trulioo
An identity verification giant offering global KYC coverage, including access to local data sources across more than 195 countries.
Best for: Fintechs expanding across multiple jurisdictions.
33. IDnow
A European leader in identity verification and electronic signing services, fully compliant with eIDAS and GDPR standards.
Best for: Companies targeting European markets with strict regulatory needs.
34. Socure
Uses AI and machine learning to deliver digital identity verification with extremely low false positive rates.
Best for: High-volume platforms requiring maximum conversion rates.
35. ComplyAdvantage
Provides real-time AML screening, transaction monitoring, and adverse media checks powered by dynamic databases.
Best for: Financial institutions and fintechs scaling compliance teams efficiently.
36. Sumsub
An all-in-one KYC, KYB, and AML platform offering flexible onboarding flows, video interviews, and risk scoring.
Best for: Crypto exchanges, DeFi platforms, and Web3-native businesses.
37. Unit21
A no-code risk and compliance operations platform helping companies detect and manage transaction fraud, AML violations, and other risks.
Best for: Companies prioritising fraud prevention and regulatory agility.
Payments & FX Management
Let’s continue the top 100 fintech tools and platforms with payments and foreign exchange (FX) management. Managing payments and FX is mission-critical for businesses operating across borders or handling multi-currency revenue streams. High fees, slow settlement, and poor transparency can erode margins and create operational headaches. The best fintech tools for payments and FX enable faster, cheaper, and smarter money movement, backed by powerful APIs and modern dashboards.
Here are the top platforms reshaping how businesses manage payments and foreign currency flows:
38. Airwallex
A global payments platform offering multi-currency business accounts, borderless cards, and low-cost FX transfers through APIs.
Best for: Startups and enterprises expanding internationally.
39. Wise Business
Provides borderless accounts and real-time FX conversions with transparent mid-market rates, removing hidden fees from international payments.
Best for: SMEs needing efficient cross-border banking.
40. Payoneer
Offers multi-currency accounts, global payout solutions, and working capital products for digital businesses and marketplaces.
Best for: Freelancers, exporters, and marketplace sellers.
41. Kantox
A specialist in automated FX risk management and dynamic hedging solutions, designed for companies with recurring currency exposure.
Best for: Mid-sized businesses managing international receivables and payables.
42. OFX
A non-bank provider of international money transfers offering competitive rates and dedicated account management for businesses.
Best for: SMEs seeking personalised FX solutions without the complexity of traditional banks.
43. Mercury
A US digital bank for startups offering business checking, savings, and seamless domestic and international payments.
Best for: VC-backed startups and tech-first companies.
44. Currencycloud
Provides APIs for real-time FX, multi-currency wallets, and global payments infrastructure, powering many B2B fintech platforms.
Best for: Platforms building cross-border payment functionality into their services.
45. Nium
A payments and card issuance platform specialising in real-time payments, global payroll, and embedded FX services.
Best for: Platforms requiring cross-border disbursements at scale.
46. Checkout.com
In addition to card processing, offers powerful global payout solutions, supporting businesses looking to disburse funds internationally.
Best for: Marketplaces and platforms handling multi-region payouts.
47. Payoneer Capital Advance
Extends working capital financing to sellers and service providers based on future receivables, helping businesses smooth cash flow cycles.
Best for: Marketplace sellers managing seasonal income fluctuations.
Crypto & Web3 Finance
Next in the top 100 fintech tools is crypto & Web3 finance platforms. These are no longer fringe experiments — they are becoming critical parts of the modern financial ecosystem. Companies dealing with digital assets, whether for treasury management, payments, or custody, need robust and compliant solutions. The best fintech tools for crypto enable safe, scalable engagement with blockchain-based finance.
Here are the leading platforms empowering businesses to navigate the crypto economy:
48. Fireblocks
An enterprise-grade digital asset custody, transfer, and treasury management platform with a focus on security and scalability.
Best for: Institutions and fintechs needing secure digital asset infrastructure.
49. Circle
The issuer of USDC, Circle also provides APIs for payments, treasury, and digital asset custody, bridging traditional finance and crypto.
Best for: Platforms accepting or disbursing stablecoin payments.
50. Bitwave
An accounting, tax, and compliance platform built for crypto transactions, supporting businesses integrating digital assets into financial operations.
Best for: Companies needing GAAP-compliant crypto accounting.
51. Safe
A secure multi-signature wallet platform designed for team-based crypto asset management and treasury control.
Best for: DAOs, startups, and funds managing group-controlled crypto assets.
52. Anchorage Digital
A federally chartered digital asset bank offering custody, trading, staking, and governance services for institutions.
Best for: Enterprises needing regulated crypto services in the US.
53. TaxBit
Simplifies digital asset tax reporting and accounting with enterprise-grade automation and integration across multiple wallets and exchanges.
Best for: Businesses needing crypto tax compliance at scale.
54. Copper
Offers digital asset custody, prime brokerage, and settlement solutions with an emphasis on institutional-grade security.
Best for: Hedge funds, family offices, and high-frequency trading desks active in crypto.
55. Metamask Institutional
An enterprise version of the popular Web3 wallet, offering enhanced compliance features and team access controls.
Best for: Institutions needing secure access to DeFi and NFTs.
56. BitGo
A long-standing leader in secure digital asset custody, wallet infrastructure, and settlement solutions for businesses and platforms.
Best for: Exchanges, fintechs, and payment providers entering crypto.
57. Chainalysis
Provides blockchain analytics, compliance tools, and transaction monitoring for digital assets, helping businesses manage risk and meet regulatory requirements.
Best for: Companies concerned about crypto-related compliance and anti-money laundering.
Open Banking & Data Aggregation APIs
Let’s continue the top 100 fintech tools and platforms with Open Banking and data aggregation APIs. Open banking has revolutionised financial services, enabling secure, permissioned access to bank data, payment initiation, and financial insights. For businesses, tapping into open banking APIs means faster onboarding, richer customer insights, and new payment experiences. The best finance APIs in this space offer reliability, security, and broad bank connectivity.
Here are the top open banking and aggregation platforms transforming financial data access:
58. Tink
A European open banking leader providing APIs for account aggregation, payments initiation, and personal finance management tools.
Best for: Platforms operating across the EU needing PSD2-compliant solutions.
59. Plaid
The dominant financial data aggregation platform in the US, enabling apps to securely connect to users’ bank accounts for transactions, balance checks, and identity verification.
Best for: Fintechs and apps needing bank connectivity at scale.
60. TrueLayer
A UK-based open banking provider offering payment APIs, data aggregation, and identity verification services with a focus on performance and uptime.
Best for: High-growth fintechs expanding across Europe and the UK.
61. Salt Edge
Offers open banking connectivity, transaction categorisation, and PSD2 compliance tools across Europe and beyond.
Best for: Businesses needing broad bank coverage across multiple regions.
62. Basiq
An Australian open banking platform providing real-time financial data access and transaction insights for APAC fintechs and platforms.
Best for: Companies building financial apps in Australia and Southeast Asia.
63. Yapily
An open banking infrastructure provider focused on offering deep, direct connections to banks with a developer-first approach.
Best for: Companies prioritising customisation and performance in open banking integrations.
64. GoCardless
Provides free open banking data aggregation APIs across Europe, enabling businesses to access financial data for KYC, affordability checks, and more.
Best for: Startups seeking low-cost, scalable financial data solutions.
65. Finicity (by Mastercard)
A US-based financial data provider focused on credit decisioning, income verification, and financial management tools through APIs.
Best for: Lenders and platforms needing verified user financial data.
66. Belvo
A Latin American open finance platform offering access to bank, tax, and gig economy data via APIs for credit scoring, lending, and finance apps.
Best for: Companies building financial products across Latin America.
67. MX
A leading financial data platform offering aggregation, transaction cleansing, personal finance tools, and data analytics for banks and fintechs.
Best for: Institutions and apps needing rich, clean, user financial data.
68. Yodlee (by Envestnet)
One of the original financial data aggregation providers, powering personal finance apps, wealth management platforms, and lending systems.
Best for: Companies needing broad financial data aggregation in North America.
Spend & Expense Management
Next in the top 100 fintech tools and platforms is spend and expense management. Managing company spend is no longer about manual receipts and spreadsheets. Modern businesses demand real-time visibility, automated policy enforcement, and seamless employee experiences. The best SaaS fintech software for spend and expense management enables smarter, faster, and more controlled financial operations.
Here are the leading platforms helping businesses take charge of corporate spending:
69. Brex
A spend management platform offering corporate cards, expense tracking, and automated budgeting tools, tightly integrated into financial systems.
Best for: High-growth startups and remote-first companies.
70. Ramp
Combines corporate cards with real-time spend controls, bill payments, and powerful analytics to help businesses save money as they scale.
Best for: CFOs focused on cost reduction and operational efficiency.
71. Pleo
A European leader in smart company cards and expense management, offering automated receipt capture and real-time employee spending limits.
Best for: SMEs across Europe seeking decentralised expense solutions.
72. Spendesk
A full spend management suite covering company cards, invoice management, reimbursements, and budgets with centralised control.
Best for: Mid-sized companies needing one platform for all spend processes.
73. Mesh Payments
A flexible spend management platform designed to help finance teams automate workflows, issue virtual cards, and analyse expenses easily.
Best for: Companies with distributed workforces and flexible expense needs.
74. Payhawk
Combines company cards, expenses, reimbursements, and invoice management into one platform with multi-entity capabilities.
Best for: Scale-ups operating across multiple geographies.
75. Divvy
Offers free-to-use spend management software with integrated budgeting, card issuance, and expense reconciliation.
Best for: US-based SMEs looking for cost-effective spend controls.
76. Teampay
A distributed spend management platform focused on real-time purchasing workflows, dynamic approvals, and finance team visibility.
Best for: Businesses seeking more pre-approval control over spend.
77. Soldo
Provides prepaid company cards linked to a central dashboard with granular spending rules and reporting, popular across Europe.
Best for: Companies needing flexible, role-based expense allocations.
78. Center
A corporate card and expense management solution built to streamline reconciliation, automate accounting integration, and provide actionable insights.
Best for: Enterprises needing tighter ERP integration with spend workflows.
79. Airbase
An all-in-one spend management platform combining accounts payable, corporate cards, and accounting automation.
Best for: Growing companies needing to unify spending, payments, and accounting.
Accounting, FP&A & Financial Operations
Let’s continue the top 100 fintech tools and platforms with accounting. Accurate financial reporting, forecasting, and operational management are critical for business success. Traditional spreadsheets cannot keep up with the demands of fast-moving organisations. The best SaaS fintech software for accounting and FP&A (Financial Planning and Analysis) automates tedious tasks, improves forecasting accuracy, and provides real-time visibility for smarter decision-making.
Here are the top platforms empowering modern finance teams:
80. NetSuite (by Oracle)
A cloud-based ERP system offering financial management, accounting, billing, and global compliance tools for mid-sized to large businesses.
Best for: Scaling enterprises needing an all-in-one ERP and financial operations platform.
81. QuickBooks Online
An easy-to-use accounting software solution for invoicing, bookkeeping, payroll, and tax compliance, ideal for SMEs and startups.
Best for: Small businesses needing affordable, simple financial management.
82. Xero
A popular cloud accounting solution offering bank feeds, invoicing, expense management, and financial reporting with strong integrations.
Best for: Growing businesses seeking flexible, scalable accounting software.
83. Cube
A powerful FP&A platform connecting spreadsheets to a centralised system for faster, more accurate budgeting, forecasting, and reporting.
Best for: Finance teams wanting to modernise without abandoning Excel workflows.
84. Mosaic
A strategic finance platform offering dynamic planning, scenario modelling, and real-time financial analytics across departments.
Best for: High-growth companies needing agile, collaborative financial planning.
85. Anaplan
An enterprise planning platform enabling complex financial modelling, forecasting, and performance management across large organisations.
Best for: Enterprises needing multi-dimensional, scalable planning solutions.
86. FloQast
Accounting workflow automation software helping teams close the books faster, improve audit readiness, and streamline reconciliation processes.
Best for: Mid-sized and large finance teams seeking close management automation.
87. Planful
A complete FP&A solution providing budgeting, forecasting, reporting, and consolidation functionalities with strong collaboration features.
Best for: CFOs aiming to enhance financial agility and planning accuracy.
88. Vena Solutions
Offers an Excel-native platform for budgeting, planning, and financial consolidation, balancing familiarity with powerful automation.
Best for: Finance teams that prefer Excel but need better collaboration and control.
Treasury & Cash Management
Next in the top 100 fintech tools and platforms is treasury and cash management. As businesses grow, managing liquidity, forecasting cash flow, and optimising banking relationships become more complex. Treasury management platforms help finance teams gain real-time visibility over cash, automate reconciliation, and make smarter investment and funding decisions. The best fintech tools for treasury empower CFOs to turn cash into a strategic asset, not just an operational necessity.
Here are the leading platforms supporting treasury excellence:
89. Kyriba
A global cloud-based treasury management system offering cash and liquidity management, payments automation, and risk mitigation solutions.
Best for: Enterprises seeking full treasury and risk management integration.
90. Trovata
An automated cash reporting and forecasting platform that connects directly to banks via APIs, giving real-time visibility into cash positions.
Best for: Mid-sized to large companies needing live cash flow data.
91. Modern Treasury
An operating system for money movement, helping companies automate payments, reconciliation, and cash reporting through APIs.
Best for: Fintechs, marketplaces, and enterprises scaling complex payment operations.
92. Cobase
Offers a single platform to access multiple bank accounts, manage payments, and monitor liquidity, helping reduce manual treasury tasks.
Best for: Multinational companies managing multiple banking partners.
93. Tipalti
Combines payables automation, mass payments, tax compliance, and global remittance management into one platform.
Best for: Companies managing high-volume supplier and partner payouts.
94. HighRadius
Uses AI to automate treasury, cash forecasting, and working capital optimisation for mid-sized and enterprise businesses.
Best for: Corporates aiming to drive real-time treasury transformation.
95. TreasuryXpress (by Bottomline)
A flexible treasury management solution designed for businesses of all sizes, offering cash visibility, payments management, and bank connectivity.
Best for: Businesses seeking affordable, modular treasury automation.
Fintech Enablers & Developer Tools
The final section of our top 100 fintech tools and platforms is dedicated to fintech enables and developer tools. The engine behind much of fintech innovation lies in developer-focused platforms that provide the building blocks for next-generation financial products. The best fintech enablers offer flexible, modular APIs and infrastructure so businesses can innovate quickly.
Here are some of the standout players:
96. Moov
A developer-first platform offering open-source APIs for bank accounts, ACH transfers, wallets, and payment processing.
Best for: Fintechs needing modular, programmable payment rails.
97. Merge
Provides unified APIs for accounting, HR, CRM, and ticketing systems, including connectors to tools like QuickBooks, NetSuite, and Xero. Ideal for platforms integrating finance tools at scale.
Best for: Fintechs needing unified access to multiple financial and business data systems.
98. Rutter
Offers a universal API for integrating commerce, accounting, and payments data across platforms like Shopify, Amazon, Stripe, and Xero.
Best for: Startups building financial services on top of business data from e-commerce or SaaS platforms.
99. Synctera
Provides a marketplace connecting fintech builders to sponsor banks, offering APIs for account creation, card issuance, and compliance.
Best for: Early-stage fintechs needing to launch quickly in the US.
100. Stitch
A developer-centric API platform providing seamless connections to financial accounts, identity verification, and payments infrastructure across African markets.
Best for: Builders focused on Africa’s fintech ecosystem, needing clean APIs and reliable infrastructure.
Final Thought: Building Your Fintech Stack for 2025 and Beyond
Choosing the best fintech tools is no longer a luxury, it is a competitive necessity. B2B founders, CFOs, and finance teams need systems that are scalable, interoperable, and built for a real-time digital economy. Whether you are launching new banking features, automating your cash management, simplifying cross-border payments, or staying ahead of compliance, the right combination of SaaS fintech software and finance APIs can become a major growth lever.
At Fintech Review, we will continue spotlighting the innovations reshaping how businesses manage money, risk, and opportunity. The future belongs to those who build intelligently and with the right tools.
If you are a fintech company, platform, or service provider and would like to be considered for inclusion in this list, or if you would like to suggest updates, please get in touch. We are always on the lookout for standout solutions driving the future of finance.
