#embedded-finance

#embedded-finance

Two decades later, rapid! is expanding its role, evolving into a platform that connects payroll with the larger ecosystem of digital payments. rapid! offers PayCard, on-demand earned wage access (EWA), and disbursement solutions that now serve over 7,000 businesses. It sits within Green Dot's broader fintech and banking ecosystem and is powered by the company's own proprietary money-movement technology, which supports real-time payments across the US.

The platform's three-pillar approach-Connect (embedded finance network), Intelligence (workflow optimization), and Automate (AI-powered workforce optimization)-has enabled partners to reduce operational resources while achieving faster speed to funding. With over $1 billion worth of offers made annually through their platforms, Lendflow's modular architecture allows partners to use individual components or scale comprehensively, supported by 50+ live AI agents that automate manual lending processes from document extraction to applicant communications.

The transformation from banks as destinations to banks as infrastructure is reshaping the financial landscape as banks embed themselves into existing platforms, providing seamless financial services.

Payroll has emerged with the highest adoption rate at 71% across embedded finance categories, according to Tidemark Capital's Benchmark Report.

Green Dot and Crypto.com are collaborating to bridge traditional banking and cryptocurrency, offering new funding options and simplifying user access to digital assets.