• Toqio partners with Adyen to let corporations build embedded finance products like branded payments, credit lines, and treasury tools.
  • The move accelerates embedded finance from niche innovation to core business strategy in the B2B space.
  • This challenges traditional banking models by enabling brands to run internal financial ecosystems at scale.

A landmark partnership between B2B finance platform Toqio and payments behemoth Adyen is set to accelerate a fundamental shift in corporate finance, moving financial services out of traditional banks and embedding them directly into non-financial brands.

The deal will make Adyen’s global payment infrastructure available through Toqio’s platform, enabling large corporations to build and deploy their own tailored financial products.

This allows a company with a large network of merchants or distributors, like an automotive group or a major retail franchisor, to offer its partners branded payment processing, credit lines, and treasury tools.

The objective is to create closed-loop ecosystems where a brand can increase loyalty and capture new revenue by becoming a financial service provider to its business network.

The move exemplifies a key 2025 fintech trend: the maturation of embedded finance from a niche concept to a core business strategy. Industry analyses have predicted this evolution, where financial tools become an integrated feature within platforms consumers and businesses already use.

For years, the concept has been promising but difficult to execute at scale. This partnership aims to remove that friction.

As Toqio CEO Eduardo Martínez stated, the alliance is a "significant leap forward in empowering businesses to easily integrate sophisticated financial services."

The strategic implication is a direct challenge to the conventional B2B banking model. Instead of sourcing loans and payment services from a bank, a corporation can now orchestrate these functions internally.

By providing the critical infrastructure, Toqio and Adyen are positioning themselves as the architects of a new corporate standard.

This is less a simple technology integration and more a consolidation of power, giving major brands the tools to control their financial ecosystems, secure their supply chains, and build a formidable moat against competitors.

Edited by Annette George