Monetizing Embedded Finance: A Realistic Look at Revenue Streams

Why only pay fees when you can collect them? Embedded finance is rewriting the rules of digital platforms. It lets you own the financial relationship with your clients and unlock new revenue streams—no banking license required.

The new revenue engine

Financial services used to be an overhead: a necessary cost of doing business. But today, they’ve become a source of profit. Platforms that embed financial services aren’t just improving user experience; they’re earning money from every financial touchpoint.

Take interchange fees, for example. Every time a customer swipes a card, there’s a small fee that usually goes to banks. With embedded finance, you can capture a share of that revenue yourself. But interchange is just the start. Here’s a closer look at four ways to monetize embedded finance.

Breaking down the revenue streams

1. Subscription-based financial services
Think of subscriptions as your monthly revenue engine. By bundling financial features into your existing subscription model, you boost the perceived value—and justify a higher price point. For instance:

• Business accounts within your accounting software
• Embedded accounts within your crypto platform
• Branded payment flows within your SaaS platform

The model is simple: offer financial features that consumers and businesses are willing to pay for monthly.

2. Interchange fees
Every card payment generates an interchange fee. Instead of giving that away, platforms can issue their own cards and take a cut. It’s a small percentage per transaction, but at scale, it adds up quickly. Imagine a platform with 100,000 active users spending €500 a month on a branded card. With 1% interchange revenue, that’s €500,000 per month.

3. Deposit revenue
Banks make money by holding funds. So why shouldn’t you? By offering embedded accounts, you can hold customer deposits and earn revenue on those balances. Even small amounts, multiplied across thousands of users, create a solid revenue stream. Here’s the kicker: deposit revenue often grows when interest rates rise—without needing a flood of new users.

4. Data-driven affiliate & partnership revenue
Financial data is gold. It reveals how users spend, where they shop, and what they might need next. With that insight, you can form targeted partnerships:

• If data shows a high volume of transactions at a specific retailer, the platform can negotiate an exclusive cashback offer to drive loyalty and engagement.
• If users frequently purchase expensive software, the platform can introduce installment plans or insurance options to ease upfront costs.
• By identifying brands with strong user overlap, platforms can form strategic partnerships that provide relevant offers while generating affiliate revenue.

Each relevant offer you introduce can generate affiliate or partnership revenue. It’s about delivering value at the exact moment customers want it.

Monetizing embedded finance is about control

Ultimately, when you own the financial services, you own the economics. Embedding banking, payments, or cards into your platform means you don’t just improve user experience—you keep the revenue that previously flowed to banks. And you do it all without becoming a bank yourself.

Thinking about embedded finance?

With the right partner—like Intergiro—you can launch embedded financial services quickly and at scale. Check out our revenue calculator to see the potential. After that, schedule a discovery call to talk about how embedded finance could transform your platform’s bottom line.

Why let banks keep all the fees? Step into the new era of monetization and grow your revenue where it matters most.