Onchain Infra · Access · 19 / 22
Embedded Finance APIs
The stack, as an API
Hosted platforms bundle wallets, ramps, yield and cross-chain moves into APIs, so a fintech can ship stablecoin features without running infrastructure.
Where it connects
How It Works
- 01IntegrateOne API for accounts, balances, transfers.
- 02ComposeAdd yield, cards, ramps and routing.
- 03OperateThe provider runs keys, compliance and nodes.
Designs
01
Wallet as a service
Hosted accounts for each end user.
02
Orchestration
Move money across rails and chains.
03
Yield as a service
Earn programs on idle balances.
Who Builds It
Across ecosystems, not one chain.
BrBridgeStripeOrchestration, issuance, cards
CiCirclePlatformWallets, CCTP, payments network
CoCoinbase Developer PlatformPlatformWallets, onramp, x402
PaPaxosIssuerStablecoin issuance as a service
TeTempo productsTempoAccounts, Earn, Routes, Zones
What to Compare
01
Custody model
02
Licenses and coverage
03
Revenue share and pricing
On Tempo
On Tempo · Hosted product
Hosted building blocks on top of the chain: Accounts, Earn, Routes and Zones.
≤7%
Earn APY
95
Currencies via ramps
1 API
Cross-chain
Accounts
GAEmbedded balance
$4,218.00
PasskeyEmbeddedBackend
Earn
BetaVault position · illustrative 7% APY
$10,000.00
TreasuriesCreditLending
Routes
BetaEthereumPolygonBNB ChainMonad
Tempo
Zones
PreviewPrivate balances, settled to Tempo
Accounts
GAEmbed stablecoin balances in any app
Earn
BetaVaults on Treasuries, credit, lending
Routes
BetaMove stablecoins across chains, one API
Zones
PreviewPrivate stablecoin ledgers as a product
Deel
KAST