Toqio enables corporates and financial institutions to launch B2B embedded finance solutions quickly, tailored to each sector and all on one platform. Whether you’re looking to unlock growth through new channels or scale up SME engagement, we make it happen.
Best Embedded Finance System
Inducted into the Visa Innovation Program Europe
Inducted into the AWS Global Accelerator program
Companies can easily embed financial services into their platforms, solving real SME pain points and
turning finance into a revenue-generating, retention-driving value layer.
Toqio enables a structural shift in financial service distribution: the corporate becomes "Agent 2.0", the new primary channel through which financial services reach end customers.
Banks and fintechs can thus empower their corporate clients to embed contextual, sector-specific financial solutions into their offerings, creating powerful new value for SME customers.
See who’s already using our platform to drive innovation and impact.
Toqio combines a robust no-code/low-code platform with a specialized partner marketplace, Toqio enables the scalable and cost-effective deployment of financial solutions. That means you can build once and deploy to as many verticals as you need to, within just a few weeks.
We provide industry-specific solution templates so you can get started faster. Each is tailored to a particular sector including hospitality, logistics, retail, and many more.
Customize your UI, UX, workflows, and branding, all without writing a single line of code. Launch differentiated, fully branded solutions.
Accounts, cards, onboarding, lending, and much more! Bring together the services you need thanks to our modular architecture and our ecosystem of pre-integrated partners.
Create new revenue streams with tailored financial solutions to monetize services, not just sales.
Enjoy fewer errors and delays, and have more time to focus on business growth.
Deliver faster cash cycles, reduce churn, and foster more stable relationships.
Deploy solutions quickly without reinventing the wheel or making heavy infrastructure changes.
Use pre-built and pre-configured components to scale your platform efficiently.
Obtain live insights into cash flow, credit risk, and operational performance throughout your network.
Discover how companies and financial institutions can use Toqio to create impactful embedded finance solutions that drive growth and enhance customer experiences. Explore Toqio's potential to keep your organization competitive.
2025 April
"Most Influential Financial Technology Firms of 2025"
Harrington Starr
2025 March
"Disruptor of the Year"
UK Fintech Awards 2025 (Finalist)
2024 November
“Best Embedded Finance System”
Banking Technology Awards
2024 November
“Best Service to Business” and "Best Processing Programme/Proposition"
Cards and Payments Award 2025
(Finalist)
2024 October
“Best Embedded Finance Initiative” with Railsr
Banking Technology Awards
(Finalist)
2024 July
“Best Embedded Finance Project”
Pay360 Awards
(Finalist)
2023 October
“Oracle NetSuite Rising Star”
Deloitte UK Technology
Fast 50 award
2023 March
Rank #23
Startups 100 List
2022 September
“Best B2B/B2C Banking Initiative”
PAY360 Awards
2021 November
“Top Fintech Startup”
South Summit Awards
2020 August
“Third place” for Top Fintechs
Premios Expansión Startups
2020 April
“Top Spanish Fintech”
Expansión Startup Awards
2020 February
“Edition Winner”
Cuatrecasas Acelera Programa IV
2025 March
“Edition Winner” of the Cuatrecasas Acelera Programa IV
Let’s explore how embedded finance can power growth for your business or for your clients.