Build vertical financial solutions without a single line of code.

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.

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Best Embedded Finance System

2024

Inducted into the Visa Innovation Program Europe

2024

Inducted into the AWS Global Accelerator program

2023

Strategic alliances

The new financial ecosystem runs through corporates.

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.

We're trusted by leading brands.

See who’s already using our platform to drive innovation and impact.

Build once, deploy many, scale quickly.

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.

Blueprints for
growth

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.

The Toqio
Design Studio

Customize your UI, UX, workflows, and branding, all without writing a single line of code. Launch differentiated, fully branded solutions.

A modular
infrastructure

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.

Explore the platform

Your key benefits with Toqio as your partner.

Revenue without selling more product

Create new revenue streams with tailored financial solutions to monetize services, not just sales.

Turn inefficiency into margin

Enjoy fewer errors and delays, and have more time to focus on business growth.

Ease liquidity pressure for everyone

Deliver faster cash cycles, reduce churn, and foster more stable relationships.

Idea to launch in just a few weeks

Deploy solutions quickly without reinventing the wheel or making heavy infrastructure changes.

Once you've started, grow at your own pace

Use pre-built and pre-configured components to scale your platform efficiently.

Use real-time data to make better decisions

Obtain live insights into cash flow, credit risk, and operational performance throughout your network.

Innovation has brought us success (and a few awards)!

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