The Fintech Brief | Liberis just redefined embedded finance — here's how

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Editor’s Pick 📌

From Fragmented Funding to Financial Co-Pilot: Inside Liberis’ New Vision for Embedded Finance

Small businesses rarely follow a linear path—so why should their funding?

This week, Product Director Bella Renney-Thwaites shares how Liberis is tackling one of the biggest challenges in SMB finance: the fragmentation caused by rigid, one-size-fits-all funding products. From startup to scale-up, the needs of small businesses evolve constantly—and traditional lending models haven’t kept up.

Liberis is changing that. With a multi-product, modular approach to embedded finance, the company is helping platforms deliver funding that adapts to each stage of the business lifecycle. Whether it’s checkout financing like Pay with Liberis, or a central dashboard offering revenue forecasts and industry benchmarks, the goal is clear: to become a true financial co-pilot for small businesses.

For partners, it’s a model built to deepen loyalty, improve retention, and unlock high-margin growth—without the cost or risk of becoming a lender.

For small businesses, it’s access to the right capital, at the right moment, with zero friction.

Industry Trends & Innovation 💡

VENDOR FINANCING

Capchase Acquires Vartana to Enhance Vendor Financing for B2B Tech Companies

Capchase's acquisition of Vartana enhances the vendor financing landscape by integrating AI and tech solutions, transforming multi-billion-dollar finance processes. This move caters to B2B companies facing tedious manual workflows by offering quicker, streamlined financing options directly during purchase flows, addressing pressing industry challenges efficiently.

FINTECH GROWTH TRENDS

Fintech As A Service Market Growth Trends And Future Scope Analysis

Fintech as a Service (FaaS) market is projected to grow significantly, reaching $806.9 billion by 2029, driven by digital transformation and the demand for secure, inclusive financial services. Particularly burgeoning in Payments, KYC Verification, and the Asia Pacific region, FaaS enables cost-efficient access to advanced financial functionalities, empowering businesses to focus on innovation within their core operations.

EMBEDDED FINANCE

Embedded Finance Quietly Surpasses 7 Trillion, Transforming Business Through Integration

Embedded finance, projected to reach a £7 trillion market value by 2026, integrates financial services into non-financial platforms, fundamentally reshaping customer expectations and expanding value chains. As APIs evolve, the ease and security of embedding finance enhance customer experiences and foster long-term relationships. Adaptation is essential for banks, fintechs, and brands to thrive.

BLOCKCHAIN FINANCE INSIGHTS

Understanding The PayFi Ecosystem As A New Dimension In Blockchain Finance

PayFi represents the next evolution of blockchain finance, integrating payment and financial tools into a cohesive on-chain ecosystem. This framework facilitates smart contracts, stablecoins, and compliance, aligning with current financial trends. Its structure addresses both consumer needs and regulatory compliance, marking a pivotal shift towards practical, widespread blockchain applications.

EMBEDDED FINANCE

Exploring Embedded Finance's Future at Money2020 Europe with OpenPayd Insights

OpenPayd showcased its insights on the future of embedded finance at Money2020 Europe, emphasising the importance of stablecoin regulation and infrastructure for modern financial systems. Highlighting inadequacies in legacy systems like SWIFT, OpenPayd argued for faster, globally connected payment rails to ensure digital-first financial progress. This event underlined that today's focus is not merely on disruption but on essential infrastructure and compliant growth in the fintech sector.