Ready to unlock growth? Download our ebook on embedded finance. Get it now
Our mission is simple: to drive growth by making financial innovation accessible, adaptable, and transformative. Toqio helps businesses create financial solutions that expand possibilities, elevate customer experiences, and redefine what’s achievable in today’s market.
At Toqio, we make the complex simple. Our platform empowers corporates and financial institutions to deliver embedded finance solutions without the usual operational burdens. With compliance at our core, we ensure every financial service meets regulatory standards, while remaining adaptable to your unique needs. Operating globally and allied with top-tier partners across banking, consultancy, and technology, Toqio enables you to unlock new revenue, deepen customer relationships, and innovate confidently on a secure foundation.
Toqio is as unique as our approach to embedded finance. We designed our platform to empower businesses to break away from the limitations of traditional financial models. Toqio offers businesses the flexibility to build financial solutions that integrate smoothly into their ecosystems, transforming everyday interactions into valuable customer experiences. With Toqio, financial innovation isn’t just a goal—it’s what we deliver.
Inducted into Visa Innovation Program Europe
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
2024 November
“Best Service to Business” and "Best Processing Programme/Proposition"
Cards and Payments Award 2025
(Finalist)
2024 November
“Best Embedded Finance System”
Banking Technology Awards
2024 October
"Best Embedded Finance Initiative"
Banking Technology Awards
(Finalist)
2024 July
“Best Embedded Finance Project”
Pay360 Awards
(Finalist)
CURIOUS
Curiosity is the lifeblood of innovation. The next big idea is out there if we’re willing to search far and wide to find it. We thrive on sharing knowledge proactively to support growth.
COMMITTED
As a company, we genuinely feel that we can effect positive change. Everyone at Toqio helps create a mission-oriented place to get work done and the belief that together we can do more for our customers.
CREATIVE
We always lead with a growth-mindset and work together to facilitate a better exchange of value. Our team is diverse, multicultural, forward-thinking and far more than the sum of its parts.
COURAGEOUS
There's a solution to every problem, so we gather together rational (and often revolutionary) thinkers who face challenges head on and look forward to innovating their way over, around, or through obstacles. Together we get further.
I am very proud to be one of the oldest employees of Toqio. To me, Toqio is not just a working place, it also guides me to find the career goal that I am passionate about and provides me with all the opportunities and resources that I need to achieve it. Knowledge sharing, diversity and teamwork are highly valued, the informal and friendly working atmosphere also keeps me closely involved in the company!
Jing Xu
Product Manager & Founding Team Member
Spain
Working at Toqio has been the highlight of my career. The supportive environment, combined with the opportunity to collaborate with skilled developers and mentors, has significantly enhanced my growth as a developer and as a professional. Toqio’s commitment to diversity and inclusion, with team members from various cultural backgrounds, makes it a truly inspiring place to work.
Mohamed Hadi
Front End Dev
Kenya
Toqio is a very interesting project, a very interesting company, different from what I have worked for before. Toqio is on the right side at the right time and its innovative products and services fit perfectly with the present and future needs of a fully digitalised human society. I feel very proud and committed to this impressive company. The teamwork at Toqio is amazing and wonderful and the professional and human quality of its employees makes me feel comfortable and highly motivated. For sure.
Adolfo Ranero
Information Security Officer
Spain
What I love of working in Toqio is that we're a team of driven people who challenge each other daily, collaborate, and grow together. It's a company where everyone's contributions are valued and listened to, and we’re focused on making a real impact. I’m proud to be part of a company that fosters both personal and professional growth while building something meaningful along the way.
Jessica Armada
Finance Lead
UK
At Toqio, we're more than just a team—we're a community of curious, driven people who inspire each other and have some awesome fun times along the way! Being here means growing together and making a real impact, and I’m proud to be part of a place where everyone’s unique contribution truly matters.
Tamara Quintela
People Lead
Spain
Our leadership team has extensive finance, consultancy and entrepreneurial experience. They are passionate about building a diverse and inclusive company attracting top industry talent.
Chief Executive Officer and Co-Founder
Chief Executive Officer and Co-Founder
Eduardo Martinez is an avid entrepreneur who has set up and run successful ventures around the world for the last 22 years. He is the Co-founder and CEO of Toqio, a corporate embedded finance platform that allows companies to create and launch their own fully branded and integrated solutions in just a few weeks.
Eduardo spent his early career in senior positions at Accenture where he polished his leadership skills and developed a passion for innovation. This allowed him to co-found Olivo in 2009 and an online business management service called Geniac in 2014. By 2019, he launched Toqio.
Apart from his entrepreneurial journey, Eduardo is also an Associate Professor of digital transformation and entrepreneurship at IE Business School.
Chief Partnership Officer and Co-founder
Chief Partnership Officer and Co-founder
Michael Galvin is an experienced entrepreneur who has launched multiple successful international businesses, such as Olivo Ventures and Geniac, with his long term business partner Eduardo Martínez. He is currently the co-founder and Chief Partnership Officer (CPO) of Toqio, a corporate embedded finance platform that gives corporates access to financial tools that transform the value of their distribution networks for growth, efficiency, and resilience. Mike’s journey from Florida, his home state, to London demonstrates the wealth of knowledge and experience in business administration he has acquired in his career. With a strong commitment to financial inclusivity and a focus on decentralization within the fintech sector, Mike possesses the leadership, creativity, and determination necessary to shape the future of fintech.
Vice President, Product
Vice President, Product
Kunal Galav, Toqio’s Vice President of Product, is a massive part of creating innovation in the fintech industry. He began his journey in the fintech world in 2021 by joining Mambu as Head of Partnerships. He has also been the Global Head of Digital and Customer Product Strategy at HSBC where he led strategic initiatives and he was Assistant Vice President at Credit Suisse, where his expertise was vital to corporate equity derivatives and convertible bond trading. Kunal initially honed many of his management skills at McKinsey & Company, where he immersed himself in corporate strategy while spearheading digital transformation initiatives for a myriad of clients.
Vice President, Sales
Vice President, Sales
Michael Pierce is a results-driven sales leader with an extensive professional journey that has spanned international boundaries, taking him from his native city of Boston to his adopted home in Berlin. He has helped create over fifty innovative fintech solutions throughout Europe and the USA, focusing on digital transformation, launching new products, and expanding corporate footprints. Michael was a member of the founding commercial team at Mambu, where he played a critical role in the company’s initial commercial expansion. There, he developed key partnerships, created a robust commercial strategy to overcome the regulatory hurdles associated with a fintech platform, and was a key figure in the company’s expansion into the Nordic market. In his current role as Vice President of Sales at Toqio, he plays a pivotal role in shaping the company's sales strategy and driving revenue growth. With his wealth of experience, dedication, and passion for the digital democratization of finance, Michael is a driving force behind Toqio's burgeoning success in the global marketplace.
Vice President, Technology
Vice President, Technology
As Vice President of Technology at Toqio, Yan Rocubert leads the company's technological strategy and development. With extensive experience in the tech industry, Yan is instrumental in driving innovation and ensuring the robustness of Toqio's platform.
Vice President, People
Vice President, People
Arancha Riestra is a strong leader and a Toqio founding member. Her role as VP of People aims to shape the culture at Toqio through a human-centric approach. Her architecture degree and experience in that field not only equip her with a deep understanding of organization and design principles but also provide her with a unique perspective on fostering creativity, collaboration, and innovation, making her the ideal leader to shape Toqio's organizational ethos. She is a builder, in every sense of the word. She is dedicated to creating a strong and inclusive culture that makes sure everyone at Toqio not only grows but can also actively contribute to achieving Toqio’s goals.
Finance Lead
Finance Lead
Jessica Armada is a versatile finance leader with expertise in building scalable financial operations and aligning financial strategy with long-term business goals. At Toqio, she leverages technology and automation to drive growth, optimize processes, and empower teams through data-driven decision-making. Prior to her current role, she has held senior finance positions at various companies where she excelled in streamlining reporting and enhancing efficiency. A passionate advocate for innovation and continuous improvement, Jessica thrives on fostering collaboration and creating impactful financial strategies. Outside work, she enjoys exploring new cultures, discovering great coffee, and immersing herself in books.
We are fortunate to have some of the most incredibly creative and focussed individuals in our industry on our board.
Chair of the Board, Head of Worldpay Global Enterprise
Board member, Partner at Seaya Ventures
Board member, Principal at Speedinvest
Board member, Investment Director at AlbionVC
We’re dedicated to driving sustainable economic, social, and environmental progress, aligned with the UN’s 2030 Sustainable Development Goals. Our mission goes beyond business, we want to foster meaningful change that benefits communities and the planet.
What we believe
Diversity is the fuel behind our innovation. We want the most talented people, regardless of background, and have a talent selection process that reflects that. We're proud to have reached 44% women in our workforce as we continue striving for equal gender representation.
Toqio believes in doing what’s best for our people and our planet. That’s why we operate a hybrid solution, based mostly on remote working. This helps us lower our company's carbon footprint and gives our people a better way to maintain work/home balance.
What we commit to
We’re a firm believer in creating greater financial inclusion. This includes building market alliances in a collaborative ecosystem through Toqio’s marketplace as well as helping to reduce financial bribery and corruption.
Innovation thrives when we companies create ethical and productive business alliances. That’s why we strive to help our customers integrate easily into existing value chains.
Explore how Toqio can help you unlock growth and build stronger customer connections. Let’s work together to bring your vision to life.