Embedded Finance
7 technical briefings from 7 companies building embedded finance infrastructure.
Helghardt Avenant
Helgaard of Rehive demos Rehive — a no-code fintech app builder that sits on top of the application layer of the fintech stack (above Plaid, Synapse, Wyre). For marketplaces (Fiverr, Upwork, Uber-style) looking to bring banking into their ecosystem, Rehive ships a pre-integrated ledger, user management, and an extensions framework — plus three UI surfaces (iOS, Android, web, admin dashboard, merchant portal). The demo walks through a US-oriented project using Rehive\'s Wyre integration for on/off-ramps, fiat and crypto custody, and KYC — producing a production-ready PayPal-like app in 5–10 business days. From the admin dashboard, operators define currencies (each backed by Wyre or their own custodial license), add account types, and manage transactions. A mass-send extension uploads a CSV of recipients and triggers a bulk payout through the Rehive API — paying users into their own branded wallet instead of PayPal. The consumer mobile app includes peer-to-peer transfers, QR scan-to-pay, a rewards/cashback engine, a lightweight in-app merchant marketplace, and a Wyre-backed crypto buy flow. Merchants get their own portal to list products, send invoices, and integrate POS — Rehive ends with a white-label option that hands over the source code for further customization.
Leah Staniorski
Leah, a client engineer at Unit, walks through the Unit banking-as-a-service platform — the three-part challenge of building banking into a fintech (compliance, technology, bank relationships) and how Unit handles all three so product teams can focus on acquisition and differentiation. The demo covers Unit's two build environments (Sandbox for unbounded prototyping, Pilot for real production with minor limits), generating an API token, submitting a business application through the KYB flow, Unit's optional white-label application form, subscribing to webhooks for real-time events, and issuing a deposit account plus virtual debit card in two API calls. Leah then reveals the full card details using Unit's VGS-backed sensitive-details service and buys a webcam cover on Amazon, closing the loop with the settled-transaction webhook firing back into the dashboard.
Alex Cram
Abound demos the tax-automation APIs behind freelancer banking apps like Lance — built on the thesis of "what if the IRS shipped a REST API." Four core products cover the self-employed tax stack: year-to-date federal/state/self-employment tax calculation, tax payments with 100% federal/state/DC coverage, transaction prediction (personal vs. business, deduction category), and end-of-year form generation (1099, Schedule C). The demo shows how Abound sits on top of Unit BaaS: when a Lance user opens a Unit account, Abound automatically registers them on its tax ledger using Unit\'s KYC data and auto-creates a payment method from the Unit account and routing numbers. Every debit and credit on the Unit ledger flows to Abound, which recalculates taxes in real time — income marked 1099 adds to the marginal/effective rate breakdown; business expenses categorized as commission deduct accordingly; a personal Apple Store purchase is flagged by the prediction engine as non-deductible. Abound returns a "smart tax rate" that Lance uses to set aside taxes from every deposit, and the tax-payment API remits $887 to the IRS on April 15 with a full created → pending → done lifecycle.
Max Howenstine
Zero Hash presents their crypto-as-a-service API at V-Sum Twelve. Presented by Max Howenstine, with a live demo of crypto-back credit card rewards built with Deserve — three API calls to go to market.
Meg Nakamura & Willis Jackson III
Meg Nakamura, Willis Jackson III, and Mike of Apto Payments demo Apto\'s self-service card issuance platform — the answer to years of customer complaints about how long and how expensive standing up a card program used to be. The new Apto is developer-first and fully self-service: design, build, launch, and scale a debit or prepaid card program without ever talking to a salesperson. The demo walks through real signup, API keys, a cardholder app delivered via TestFlight, KYC-backed cardholder onboarding, sandbox test transactions, and the production application (revenue split, KYB, UBO capture, off-the-shelf card designs, $500 collateral). Meg funds her card via ACH and a linked debit card, adds it to Apple Pay, and buys a Raygun t-shirt online — the transaction appears in both the Apto admin and the cardholder app within seconds. A closing demo fires an Apto API call to credit $20 to the cardholder wallet as a marketing incentive, and Willis covers the mobile SDK vs. white-label wrapper paths to shipping the cardholder app under your own brand.
Lindsay Davis & Jeff Hendren
Lindsay Davis and Jeff Hoffer of Atomic demo Atomic's payroll-connectivity APIs — used by hundreds of thousands of consumers per month across challenger banks, neobanks, and online lenders to switch direct deposits, verify employment, and verify income. Atomic ships a standard SDK across iOS, Android, React Native, Flutter, and Kotlin that partners typically integrate in ~4 hours. The demo walks through launching Transact inside a partner app (passing a unique GUID and the destination account/routing number), distinguishing Deposit (write) flows from Identify/Verify (read) flows, and handling the employer-vs-payroll-provider selection. Atomic's conversion engineering is a differentiator: reverse-engineered in-modal password resets push authentication conversion to ~70%, and two-factor authentication (present in ~28% of logins) is handled inside the flow. Linked accounts enable periodic VOE/VOI refreshes without re-prompting the user. Partial direct-deposit switches power investing apps that want to route a percentage or dollar amount of each paycheck to a new destination without the user changing their primary bank.
John Shammas
John, product lead at DriveWealth, demos DriveWealth — the brokerage infrastructure behind Cash App investing in the US, Revolut in Europe, and a long list of wallets across Africa, South America, India, and Southeast Asia. The demo uses a sample banking app with an $845 balance to show how a customer goes from pure checking to buying $50 of Starbucks stock without leaving the app. Because the bank already holds identity data, DriveWealth\'s onboarding only collects brokerage-specific disclosures (SSN confirmation, broker/politician questions) — creating a tax-and-regulator-ready brokerage account in seconds. The account.managementType flag switches between self-directed and managed (robo-advisor) flows on the same API surface. DriveWealth was the first to offer real-time fractional shares: a $50 market order for Starbucks is recalculated against the live price so users never over- or under-spend. Shares are stored to ten decimal places (inspired by crypto UX), enabling pennies-of-Berkshire orders. Live P/L, cost basis, and market value surface in both the partner app and DriveWealth\'s admin portal.