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The Fintech Brief | Meet Ada: Liberis’ secret fintech advantage
Plus, embedded finance hits £7 trillion and changes everything
Sophie Bruxner-Randall
June 25, 2025
A NEWSLETTER AFFILIATED TO
Editor’s Pick 📌
 | This month, Liberis unveiled Ada — a proprietary AI underwriting agent designed to transform how embedded capital decisions are made. |
Developed fully in-house and named after computing pioneer Ada Lovelace, the new system is already delivering results: reducing manual decision time by 50% in complex underwriting cases and helping surface risk factors that humans may miss.
Why it matters:
Smarter decisions, faster: Ada analyses open banking, credit bureau, and digital footprint data in real time — giving underwriters instant access to structured risk insights and confidence scores.
Fairer funding: By reassessing both past defaults and declines, Ada helps remove blind spots and bias — ensuring more equitable access to capital.
Built for scale: Ada is the first step in a broader multi-agent strategy designed to help Liberis and its partners scale efficiently as deal complexity grows.
“Ada flags what we might have missed. She improves fairness, consistency, and speed — all without losing the human touch.”
In an embedded world, capital can’t afford to wait. With Ada, Liberis is setting the benchmark for AI-powered, human-guided finance.
Industry Trends & Innovation 💡
EMBEDDED FINANCE
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
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.
VENDOR FINANCING
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 (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.
Bobsguide is a ClickZ Media publication in the Finance division