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Transforming financial services for growth

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.

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Simplifying finance
for lasting impact

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.

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Why Toqio
stands apart

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

2024
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Innovation has brought us success (and a few awards!)

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)

Our values

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CURIOUS

We solve

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.

deliver results

COMMITTED

We deliver results

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.

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CREATIVE

We ignite ideas

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. 

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COURAGEOUS

We innovate

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. 

Our people, their stories

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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

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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

quote

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

quote

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

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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

Guiding our vision

Executive leadership

Our leadership team has extensive finance, consultancy and entrepreneurial experience. They are passionate about building a diverse and inclusive company attracting top industry talent.

External board

We are fortunate to have some of the most incredibly creative and focussed individuals in our industry on our board.

Our commitment to sustainable impact

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, equality, and inclusion

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. 

Work/life balance

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

Growth from financial inclusion

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 and cooperation

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.

Fueling our future

Toqio has received investment from Seaya, Speedinvest, AlbionVC, Aldea Ventures, and SIX FinTech Ventures. We have raised EUR 30 million in investment thus far, including EUR 20 million from our Series A.

Ready to transform your business?

Explore how Toqio can help you unlock growth and build stronger customer connections. Let’s work together to bring your vision to life.