Stripe

Stripe is a financial infrastructure provider whose embedded finance suite lets software platforms and marketplaces offer banking-like services to their own business users without becoming licensed financial institutions.

Stripe Connect handles multi-party money movement — direct, destination and split charges, instant payouts, KYC/AML onboarding and identity verification — for platforms operating across 100+ countries, 135+ currencies and 40+ payment methods. Stripe Issuing lets a platform create virtual and physical cards programmatically, with dynamic spending limits, merchant-category blocking, real-time authorization decisions and digital wallet support. Stripe Treasury provides multi-currency accounts, spend cards and payouts to 160 countries. Stripe Capital offers merchant cash advances repaid as a fixed percentage of daily sales, and Capital for Platforms lets platforms extend that financing to their own merchants.

1. Stripe Connect: direct/destination/split charges, instant payouts, embedded onboarding, KYC/AML and sanctions screening in 100+ countries.

2. Stripe Issuing: virtual and physical cards via API, real-time authorization logic, spend controls, digital wallet provisioning; 350M+ cards created.

3. Two Issuing models: Stripe Program Management, or Processing Only where the client keeps its own BIN sponsor.

4. Stripe Treasury: multi-currency balances, Mastercard spend cards, payouts to 160 countries, FDIC pass-through insurance via Fifth Third Bank, N.A.

5. Stripe Capital: funding assessed from Stripe payment history, next-business-day disbursement, single flat fee.

6. Single-use cards and granular spend controls for autonomous AI agent transactions.