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Capital On Tap Closes £500M Securitization for SME Credit Cards

Capital On Tap closed a £500 million asset-backed securitization dubbed 'London Cards 3' to fund its small business credit card operations. The deal provides long-term, scalable funding for the fintech's embedded credit products amid tightening lending conditions.

Nov 21, 2025

TAPCO Credit Union Launches Cloud-Native Digital Banking with Lumin Digital

TAPCO Credit Union launched its new digital banking platform powered by Lumin Digital on December 16, 2024. The cloud-native solution features enhanced debit/credit card tools, business banking, payments integration, and fraud detection. The launch demonstrates growing credit union adoption of modern digital banking infrastructure.

Dec 16, 2024

Customers Bank Partners with Funding Circle for Lending-as-a-Service Platform

Customers Bank tapped Funding Circle to power a Lending-as-a-Service platform, announced November 14, 2023. The partnership enables Customers Bank to leverage Funding Circle's technology for embedded lending. This represents a bank-fintech collaboration to offer scalable lending infrastructure.

Nov 14, 2023

PayPal Launches Tap to Pay on Android for U.S. Merchants

PayPal launched Tap to Pay on Android for U.S. merchants through its Venmo and Zettle apps, enabling contactless payment acceptance without additional hardware. This embedded finance capability allows merchants to turn Android phones into payment terminals. The launch followed PayPal's earlier iOS support and trailed competitors Stripe and Square.

Jun 28, 2023

Tap Provides White-Label Mastercard Solution to Crypto Exchange Bitfinex

Tap delivered a white-label Mastercard-powered prepaid card solution to Bitfinex, enabling the crypto exchange to offer branded payment cards to its users. The partnership demonstrates how card-issuing-as-a-service platforms enable crypto companies to embed traditional payment products. It highlights growing convergence between crypto platforms and embedded finance.

Jun 1, 2023

KeyBank Taps Qolo for Virtual Accounts and Digital Payments

KeyBank partnered with fintech infrastructure provider Qolo to offer virtual accounts and digital payments solutions. The partnership enables KeyBank to leverage Qolo's modern payment and account infrastructure. This represents a bank-fintech partnership model central to embedded finance and BaaS.

Apr 1, 2023

Central Payments Launches Six Fintech Partners on Open*CP BaaS Marketplace

Central Payments launched financial technology products for six fintech partners—Kinly, Wellthi, Soon, DraftFuel, Fourth, and Tapcheck—via its Open*CP Fintech API Marketplace. The platform provides BaaS capabilities including prepaid card issuing and payments technology. This enables embedded finance solutions such as Kinly's digital banking app and Fourth's early wage access in payroll systems.

Feb 2, 2022

WebBank Partners with Capital on Tap to Launch SMB Credit Card

WebBank, a US sponsor bank, partnered with UK digital lender Capital on Tap to launch an SMB credit card product. WebBank serves as the issuer and lender while Capital on Tap provides the technology platform for delivery. The partnership exemplifies the sponsor bank model enabling fintechs to offer lending products without state-by-state licensing.

Mar 1, 2021

Paynetics and phyre Launch Digital Wallet for Bulgarian American Credit Bank

Paynetics and phyre launched the B@CB Pay digital wallet platform for Bulgarian American Credit Bank (BACB). The platform supports Tap to Pay, P2P transactions, and bank transfers, with planned additions including lending and business accounts. This represents an embedded finance partnership enabling a traditional bank to offer modern digital wallet capabilities.

Oct 28, 2020

Mastercard Partners with Tappy Technologies for Payment-Enabled Wearables

Mastercard partnered with Tappy Technologies to embed contactless payment chips into fashion wearables and accessories. Using Mastercard's tokenization technology, consumers can make purchases at any Mastercard-accepting merchant directly from payment-enabled watches and accessories.

Nov 1, 2019

Lloyds Banking Group Taps Thought Machine for Cloud Core Banking Migration

Lloyds Banking Group announced plans to migrate customers from its legacy Intelligent Finance division to Thought Machine's cloud-based core banking platform. The move addresses growing risks from mainframe skills shortages and legacy IT dependencies. This partnership signals a major UK high-street bank's commitment to cloud-native core banking infrastructure powered by a fintech provider.

Oct 1, 2019

OnDeck Taps Bank Veteran to Lead ODX Sales and Strategy

OnDeck hired a bank veteran to lead sales and strategy for ODX, its bank-facing lending-as-a-service platform. ODX enables banks to offer small business lending powered by OnDeck's technology and underwriting. This move signaled OnDeck's deepening commitment to embedded lending through bank partnerships.

Jul 19, 2019

USAA Taps StreetShares for Small Business Lending Pilot

USAA launched a limited-time pilot with veteran-focused fintech StreetShares to offer small business lending to its members. The partnership addresses unmet demand among USAA's member base for small business financial products. It represents a bank-fintech collaboration where a large financial institution embeds a fintech's lending capabilities for its customer base.

Oct 1, 2018

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