Toqio co-founder and CEO, Eduardo Martinez, joined Eva Ruiz Cendon, Visa Southern Europe Head of Fintech, for a fireside chat at Visa’s Innovation Program Europe Summit 2025. Their conversation delved into the transformative power of embedded finance, exploring how businesses can move beyond simple financial integration to full-scale orchestration. Martinez shared how Toqio is empowering corporations to turn financial services into strategic growth drivers, revolutionizing industries from hospitality to global aid distribution.
At Toqio, we believe the future of finance isn’t just integrated, it’s orchestrated. As businesses navigate the complexities of digital transformation, Toqio is carving out a new pioneer path, enabling corporations to harness financial technology as a strategic growth driver rather than a cumbersome necessity.
The financial ecosystem is rapidly evolving, demanding seamless collaboration between corporations and financial institutions. Traditional financial services have struggled to meet the increasing need for agility, innovation, and user-centric solutions. This is where Toqio steps in.
Our platform doesn’t just integrate financial products, it orchestrates them.
By allowing businesses to build and deploy complex financial solutions with ease, Toqio bridges the gap between financial institutions and enterprises in different industries. Whether it's embedded lending, payments, or tailored financial products, our low-code platform enables corporations to create customized financial solutions that enhance customer engagement and drive revenue growth.
For decades, businesses have passively relied on financial institutions for standard banking services. Now, they’re taking control. Companies like Mahou San Miguel, the Spanish beer giant in business for over 50 years, are leveraging Toqio’s technology to deepen customer relationships. They’re no longer just selling products, they’re offering financial solutions tailored to their ecosystem, turning finance into a competitive advantage.
By providing access to real-time data and insights, Toqio empowers businesses to create personalized financial services that meet the unique needs of their customers. Whether it’s facilitating supply chain financing or embedded lending solutions, our platform enables corporations to retain customers, streamline operations, and unlock new revenue streams.
Our vision extends far beyond commercial enterprises. Through collaborations with organizations in the third sector such as charities and major NGOs and IGOs, Toqio is revolutionizing how funds are distributed throughout the globe. Historically, these organizations have faced significant risks in handling cash transactions in conflict zones. With Toqio’s technology, financial disbursements are now secure, efficient, and scalable, ensuring that aid reaches those who need it most without unnecessary intermediaries.
Financial institutions are no longer the sole providers of financial solutions, they are now enablers of broader ecosystems. Trust Payments, Railsr, and other major players in the financial sector are leveraging Toqio to extend their reach, offering financial services seamlessly within corporate networks.
This shift signifies a major transformation in the industry. Banks and fintechs aren't competing against embedded finance anymore, they're embracing it as a strategic channel for delivering their products to businesses that were previously underserved.
The adoption of embedded finance has gone beyond being a theoretical trend, it is now a tangible reality. The current challenge is scalability. With over EUR 4 billion in transactions processed through our platform, Toqio not only proves that embedded finance works but that we’re also leading the charge in making it mainstream.
As we move forward, our focus is on expanding enterprise adoption, enhancing deployment efficiency, and bringing major banks into the ecosystem. The goal is clear: financial innovation needs to be accessible, scalable, and impactful throughout industries.
The future of finance isn’t just about transactions, it’s about empowerment. With Toqio, businesses are no longer mere users of financial services, they’re creators of new financial possibilities.
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Embedded finance gains: Driving 20%+ ROI for European corporates