In an era where technology drives every aspect of our financial lives, the foundation of digital banking doesn’t just lie in flashy apps or user-friendly interfaces—it lies in the robust infrastructure that powers them. Enter M2P Fintech, a company quietly revolutionizing the backbone of modern financial services across Asia and beyond.
What is M2P Fintech?
M2P Fintech, formerly known as YAP, is a banking-as-a-service (BaaS) platform that provides APIs and infrastructure solutions to banks, fintechs, and online businesses. Headquartered in Chennai, India, the company is enabling a new wave of innovation in financial services by bridging the gap between legacy banking systems and modern, agile digital products.
Since its inception, M2P has emerged as a critical enabler of embedded finance, empowering businesses to offer financial products—such as payments, lending, cards, and more—without building the entire banking stack from scratch.
Powering the New Wave of Fintech Innovation
With digital transformation accelerating globally, the demand for agile, scalable, and secure financial services has never been higher. M2P meets this demand through its suite of APIs and white-labeled solutions that allow partners to launch and scale financial products in weeks instead of months.
Their platform offers:
- Card Issuance and Processing: M2P enables businesses to issue and manage prepaid, debit, and credit cards with custom workflows, helping fintechs and neobanks create differentiated offerings.
- Lending-as-a-Service: The platform supports a variety of lending models—from BNPL (Buy Now Pay Later) to microloans—enabling lenders to tap into underserved markets.
- Banking APIs: From KYC and account opening to UPI and NEFT/IMPS integrations, M2P provides the essential APIs required for end-to-end digital banking.
- Fraud Management and Compliance: Built-in tools to ensure partners stay compliant with local regulations while safeguarding customer data.
A Bridge Between Banks and Innovation
What sets M2P apart is its role as a middleware enabler—connecting traditional banks with agile fintech startups. This symbiosis benefits both sides: banks can modernize their offerings without overhauling their infrastructure, while fintechs can leverage licensed bank capabilities without navigating the regulatory maze on their own.
This model has allowed M2P to become a trusted partner for over 500 businesses in more than 20 countries, including major players in India, the Middle East, and Southeast Asia.
Global Growth and Vision
M2P’s rapid growth and funding momentum signal the rising importance of infrastructure fintech. Backed by investors like Tiger Global and Insight Partners, the company has raised significant capital to expand its footprint and refine its offerings.
Looking ahead, M2P is focused on scaling globally while deepening its capabilities in verticals like wealth tech, insurtech, and cross-border payments. With the increasing convergence of tech and finance, M2P is well-positioned to be the digital rails for the next generation of banking.
Final Thoughts
As fintech continues to evolve, the unsung heroes will be those building the infrastructure that powers innovation. M2P Fintech is one such hero—creating the APIs, workflows, and connectivity that allow financial dreams to become real-world products.
Whether you’re a startup looking to embed financial services into your app or a legacy institution aiming to modernize, M2P provides the tools to accelerate your journey.
In a world that’s rapidly going digital, M2P Fintech isn’t just keeping up—they’re laying down the tracks for the future of finance.
