Tom Cross, CEO Embedded finance is a modern approach to finance involving a trading platform for multiple investors to buy and sell large quantities of assets worldwide. It eliminates traditional practices where single investors assess and service their assets. Instead, it relies heavily on automated processes for efficient transaction handling, compliance adherence and financial management.
InStream has the experience and technology required for a financial institution to set up a servicing operation and enter the embedded finance market. InStream typically partners with a financial institution and shares in program profit.
The fintech company is a major platform provider for partner financial institutions. Its comprehensive suite of services provides embedded working capital solutions for sales and procurement SaaS providers by accelerating payment flows in commercial trades and business transactions.
“InStream encourages financial institutions to take a cautious yet proactive approach to the changing landscape by offering low-risk, high-reward opportunities to test embedded finance solutions. This empowers clients to embrace innovation and stay ahead of the curve in an ever-evolving ecosystem,” says Tom Cross, CEO of InStream EarlyPay.
InStream redefines embedded finance, dispelling common misconceptions prevalent in the market. Unlike conventional approaches that merely offer finance as an add-on, it integrates finance seamlessly into transactions, making it an intrinsic component rather than an afterthought. It facilitates immediate payments for sellers while allowing buyers flexible payment terms, bridging the gap between them by streamlining commercial transactions with unparalleled efficiency.
“Our approach has revolved around a microservice architecture. Initially, we explored service-oriented architecture, but we recognized the need to break down each component and service into its simplest form,” says Santiago Venegas, CTO of InStream EarlyPay. “This has enabled us to create a streamlined, efficient structure.”
InStream's core offering comprises its sophisticated technology infrastructure, designed to meet the diverse needs of modern finance. The platform ensures flexibility and scalability, enabling seamless adaptation to client requirements by leveraging a microservice architecture. Through centralized servicing capabilities, it follows a harmonious collaboration among multiple financial institutions, effectively optimizing financing strategies across various jurisdictions and transaction stages.
The platform's advanced automation capabilities drive operational efficiency, empowering clients to navigate complex financial landscapes easily through increased sales, improved cash flow and working capital.
InStream's success is exemplified through its client success stories, where clients have gained substantial benefits from its embedded finance solutions. One example involves a financial institution grappling with portfolio concentration challenges exacerbated by regulatory constraints. The institution seamlessly syndicated excess assets, ensuring compliance while preserving client satisfaction by leveraging InStream's platform.
Instream encourages financial institutions to take a cautious yet proactive approach to the changing landscape by offering low-risk, highreward opportunities to test embedded finance solutions. This empowers clients to embrace innovation and stay ahead of the curve in an ever-evolving ecosystem 
The driving force behind InStream's success is its robust team, comprising seasoned industry veterans and tech innovators dedicated to redefining the future of finance. The team embodies a powerful synergy of domain expertise and technological prowess led by a dynamic leadership trio comprising banking stalwarts and technology visionaries. It empowers financial institutions to foster embedded finance by focusing on product innovation and clientcentricity.
InStream is leading the way in the emerging field of embedded finance, positioning itself as a key player in shaping modern finance. Its mission is to unlock new possibilities and drive sustainable growth for its clients and partners by empowering institutions to navigate the complexities of embedded finance with confidence and agility.
