Equals and Railsr Join Forces to Spread Power of Embedded Finance Across Europe

To empower multi-geographical businesses and direct-to-consumer brands, the consortium of funds managed by TowerBrook Capital Partners, funds managed by J.C. Flowers & Co., and Railsr shareholders, has completed its acquisition of Railsr — marking the official combination of two fintech innovators: Equals Money and Railsr.

The new group will combine Equals Money’s leadership in multi-currency accounts, FX, corporate cards, and financial solutions with Railsr’s embedded finance, BaaS (Banking-as-a-Service), and CaaS (Cards-as-a-Service) infrastructure, offering businesses a way to embed financial services into their products, enabling them to launch, scale, and operate globally confidently.

The newly combined group will operate under their existing brands with an aligned vision to empower companies and brands with seamless, borderless financial solutions. Some of the new services that will come as a result of the collaboration include:

  • Multi-currency accounts
  • Consumer and corporate branded cards
  • Embedded finance solutions
  • FX and international payment services
  • Dual issuing of both Visa and Mastercard cards services
  • Branded digital wallets
Taking the next step to offering customers flexible, scalable financial solutions

During the coming months, Equals Money and Railsr will work closely to integrate operations while ensuring uninterrupted customer service. Existing services will continue seamlessly, and clients will receive updates as enhancements are rolled out.

Ian Strafford-Taylor, CEO of Equals Money, said, “By joining forces with Railsr, we are enhancing our ability to deliver flexible, scalable financial services that empower businesses of all sizes. Our customers will benefit from expanded capabilities, a stronger global presence, and a commitment to continuous innovation.”

Philippe Morel, CEO of Railsr, commented: “This transaction will create an embedded finance leader with a strong balance sheet and real critical mass, positioning us to provide enhanced products and services to our customers while promoting financial stability and compliance in an otherwise fragmented sector”.

Lord Philip Hammond, chairman of Railsr, added: “The combined Equals-Railsr business will be a major player and tech leader in Embedded Finance across the UK and Europe. I look forward to the business delivering strong growth and ground-breaking innovation in this dynamic area of fintech services in the years ahead.”

In a combined quote, Joseph Knoll, managing director of TowerBrook Capital Partners LLP; Tughan Alioglu, managing director of J.C. Flowers & Co; Meirav Har Noy, managing partner of Moneta Capital; and Dan Adler, managing director of D Squared Capital, said: “This transaction brings together two complementary businesses with a shared vision of delivering innovative, seamless financial solutions to global enterprises.

“The strengthened capabilities, enhanced product offering, and experienced leadership team position the combined business well for sustainable, long-term growth in the evolving embedded finance and payments landscape.”

The post Equals and Railsr Join Forces to Spread Power of Embedded Finance Across Europe appeared first on The Fintech Times.

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