Germany - Embedded Finance Review

REA Card brings YouLend financing to Germany's offline merchants

REA Card and YouLend launch embedded financing for German SMEs, with offers based on card revenue instead of bank credit checks.

By Lars Markull

/ 27 Jul 2026

REA Card brings YouLend financing to Germany's offline merchants

JTL and YouLend bring embedded lending to German e-commerce merchants

JTL and YouLend launch embedded lending for German e-commerce merchants, with same-day financing inside the JTL-Wawi ERP ecosystem.

By Lars Markull

/ 20 Jul 2026

JTL and YouLend bring embedded lending to German e-commerce merchants

Otto Market Sellers Get Financing up to €5m Through Banxware

Otto and Banxware bring seller financing up to €5m to Otto Market. How the deal works and why Otto builds payments but buys lending.

By Lars Markull

/ 8 Jul 2026

Otto Market Sellers Get Financing up to €5m Through Banxware

Why German Platforms Are Leaving Money On The Table with Julius Danek (Stripe)

Julius Danek, product lead for Stripe in DACH and CEE, on why German platforms are leaving money on the table by staying grey-label and what Stripe Capital, Issuing, and Connect actually unlock.

By Lars Markull

/ 11 Jun 2026

Why German Platforms Are Leaving Money On The Table with Julius Danek (Stripe)

HERO Software launches HERO Wallet with Swan for German craftsmen

HERO Software launches HERO Wallet with Swan, embedding payments and reconciliation directly into craft business software in Germany.

By Lars Markull

/ 8 Jun 2026

HERO Software launches HERO Wallet with Swan for German craftsmen

ryd launches fleet payments with Mastercard, expanding from consumer to B2B

ryd launches ryd fleet with Mastercard, expanding from consumer mobility payments into the European B2B fleet market with tokenised virtual cards.

By Lars Markull

/ 8 Jun 2026

ryd launches fleet payments with Mastercard, expanding from consumer to B2B

Why German Banks Lose €1 Billion a Year to the Last Mile

Why German banks lose €1 billion a year in remittance revenue to MTOs, and what account-to-wallet payments would take to change that.

By Lars Markull

/ 8 Jun 2026

Why German Banks Lose €1 Billion a Year to the Last Mile

Kleinanzeigen Takes Control of Its Payment Infrastructure with Adyen

Kleinanzeigen migrates Secure Payment from OPP to Adyen, taking direct control of payment processing and fraud prevention for Germany's largest classifieds marketplace.

By Lars Markull

/ 4 Apr 2026

Kleinanzeigen Takes Control of Its Payment Infrastructure with Adyen

Solaris Is Cutting 80 Jobs and Calling Itself an AI-Native Bank. The More Interesting Shift Is Who It Now Wants to Serve.

Solaris cuts 80 jobs and pivots to AI-native banking. But the more interesting question is who the Berlin BaaS pioneer now wants to serve.

By Lars Markull

/ 30 Mar 2026

Solaris Is Cutting 80 Jobs and Calling Itself an AI-Native Bank. The More Interesting Shift Is Who It Now Wants to Serve.

SumUp Adds Investing. At What Point Do Its Merchants Still Need a Bank?

SumUp adds investing via Upvest. With payments, banking, lending, and now investing, do its merchants still need a traditional bank?

By Lars Markull

/ 30 Mar 2026

SumUp Adds Investing. At What Point Do Its Merchants Still Need a Bank?

OakNorth Acquires Monite. Here's What It Says About the State of Embedded Finance.

OakNorth acquires Monite to build invoice management and expense tools into its business banking product. A different kind of embedded finance exit.

By Lars Markull

/ 16 Mar 2026

OakNorth Acquires Monite. Here's What It Says About the State of Embedded Finance.

Embedding Debt Collection into the Fintech Stack with Matteo Benedetti from Debtist

Matteo Benedetti, co-founder of Debtist, on embedding debt collection into vertical SaaS platforms and how they reached €12M ARR while staying profitable.

By Lars Markull

/ 5 Mar 2026

Embedding Debt Collection into the Fintech Stack with Matteo Benedetti from Debtist