Embedded Finance
Build Finance Service into Your Platform
Natively embed financial services—including account creation, global payouts, FX, and card issuing—directly into your platform via a single unified API to seamlessly automate operations, expand internationally and unlock new revenue streams.
Empower Platforms to Build Financial Capabilities
- Lower the Barrier to Building Financial Services
WorldFirst, together with Ant International's Bettr, offers credit, risk control and compliance capabilities that allow platforms to integrate a full suite of financial services without building credit systems or acquiring financial licences.
- Unlock Revenue Streams
Turn embedded financial services into a new growth engine. Platforms can generate additional revenue through revenue sharing, interest income and value-added service fees, enhancing overall monetisation potential.
- Build Flexible Financial Products
Integrate financial tools like revolving loans, factoring and VCCs into your workflows and configure credit rules and repayment cycles by industry and scenario.
- Enable Scalable Financial Services
Scale operations through a single API integration and dynamically adjust credit limits, bypassing the need for repeated reviews.
Fast Integration & Flexible Financial Operations
- Plug-and-Play Integration Experience
A sandbox environment can be generated automatically, without manual approval or lengthy waiting times. Go from registration to your first API call in a matter of minutes.
- Data-Driven Credit Capabilities
Assess creditworthiness using transaction data and cash flow rather than relying on traditional collateral. Offer performance-based credit limits scaling up to 1-3x monthly turnover or extending up to $10 million.
- Real-Time Business Status Management
Subscribe to Webhook events to gain real-time visibility into the entire financial lifecycle from credit approval, disbursement and repayment to billing.
Simpler API + AI-Native Integration
Simple, Fast Onboarding
AI-Oriented Developer Centre
One-Hour Integration
FAQs
Embedded Finance is ideal for three primary platform types:
• E-commerce and gig Platforms: Sellers or service providers need working capital.
• B2B trade platforms: For suppliers that need financing backed by accounts receivable.
• Advertising, airline and travel platforms: Customers need to manage settlement cycles between ad spend and revenue.
Embedded Finance helps platforms address customer cash flow needs.
No. WorldFirst and licensed partner Bettr assume credit risk and risk control responsibilities. Platforms are only required to provide customer transaction data (with customer authorisation) and do not bear bad debt risk.
Credit limits are assessed based on:
• Platform transaction data and settlement history.
• Customer business profile and industry risk.
• Accounts receivable quality and buyer creditworthiness.
Approval timeline: Standard customers can usually be approved within a few hours, while platform ecosystem users receive pre-approval in seconds.
20+ countries/regions and currencies, including Southeast Asia, Hong Kong, Macao, Taiwan, Australia, Japan, and other major markets.
Integration steps:
1. Contact the Bettr regional representative to initiate the platform qualification review.
2. Provide your business model, customer profiles and transaction data samples.
3. Obtain API credentials and sandbox access.
4. Complete integration testing and go live.
Qualifications: You must be a legally registered business with a stable business model and a well-defined customer base. Please contact our business team for specific qualification requirements.
