Market Opportunity
Four markets. One tech-forward banking foundation.
BaaS, embedded finance, stablecoin banking, and agentic payments are changing where financial activity starts. Each needs regulated banking that can operate like modern software.
Rufus (Banking-as-a-Service)
Rufus lets companies offer bank accounts, payments, and cards without becoming a bank. Medici provides the regulated layer they build on.
What this market is
What is Rufus?
Rufus is Medici's Banking-as-a-Service solution. A licensed bank provides accounts, payment rails, and compliance tools to other companies through modern software connections. Think of it as banking infrastructure delivered like a utility: your product connects, and regulated banking happens behind the scenes.
Why it matters
Why this market is growing
Every fintech, marketplace, and software platform that moves money needs a bank partner. The old model meant stitching together multiple vendors. BaaS puts the bank and the technology in one place — and the market is responding.
Market size, 2026
$26.5B
Projected by 2034
$108.0B
How tech-forward banking helps
How Medici delivers it
Connect
Your team integrates with Medici's platform — one connection to a licensed, regulated banking partner.
Build
Create accounts, move money, and manage compliance through a single regulated partner.
Launch
Go live with financial products powered by a real-time cloud-native banking infrastructure.
Benefits for market players
Beneficial impacts
- Launch financial products months faster with one bank partner instead of many vendors.
- Reduce cost and complexity by eliminating middleware layers.
- Build with confidence on regulated, API-driven banking infrastructure.
- Scale from startup to enterprise without changing your banking foundation.
Financial services where your customers already are
Embedded finance means offering banking, payments, or lending inside a non-financial product — like checkout financing in an e-commerce app or payroll inside HR software.
What this market is
What is embedded finance?
Embedded finance is when a company adds financial features — accounts, payments, lending, insurance — directly into its own product. The customer never leaves the app. The financial service is invisible infrastructure, powered by a regulated bank like Medici in the background.
Why it matters
Why this market is exploding
Customers expect financial services to be part of every digital experience. Platforms that embed finance capture more revenue, deepen retention, and create better user experiences. The market is one of the fastest-growing segments in all of financial services.
Market size, 2023
$83.3B
Projected by 2030
$588.5B
How tech-forward banking helps
How Medici enables it
Identify
Find the financial moment in your customer journey — checkout, payroll, invoicing, or onboarding.
Embed
Connect Medici's banking layer so financial services appear natively inside your product.
Monetize
Capture new revenue streams while your customers get a seamless, all-in-one experience.
Benefits for market players
Beneficial impacts
- Turn your platform into a financial hub without becoming a bank.
- Increase customer lifetime value with embedded revenue streams.
- Deliver seamless experiences — no redirects, no separate logins.
- Stay compliant with a regulated banking partner handling the heavy lifting.
Stablecoin Banking
Stablecoins are digital dollars pegged to the U.S. dollar. Medici is building the regulated bridge between stablecoin activity and traditional bank accounts.
What this market is
What is stablecoin banking?
Stablecoins are digital tokens designed to hold a steady value — typically $1 each. They're used for global payments, treasury management, and cross-border transfers at a fraction of traditional cost. Stablecoin banking connects this digital-dollar activity to regulated bank accounts, so funds can move seamlessly between the digital and traditional financial systems.
Why it matters
Why this market matters now
Stablecoin transaction volume has reached trillions of dollars annually. Businesses and platforms need a regulated bank that understands both worlds — digital assets and traditional banking — to safely hold, convert, and move these funds.
Circulating supply
$272B+
Adjusted txn volume (LTM)
$10.2T
How tech-forward banking helps
How Medici is building for it
Receive
Accept stablecoin deposits and convert them to U.S. dollars in regulated bank accounts.
Hold
Maintain cash and digital-asset treasury workflows through one banking partner.
Move
Send funds via ACH, wire, or back to stablecoin — all through one regulated partner.
Benefits for market players
Beneficial impacts
- Move money globally at a fraction of traditional wire costs.
- Bridge digital and traditional finance through one regulated bank.
- Reduce settlement times from days to minutes.
- Operate with confidence on regulated banking infrastructure.
Agentic Payments
AI agents are beginning to initiate payments on behalf of users and businesses. Medici is building the regulated banking layer these autonomous systems will need.
What this market is
What are agentic payments?
Agentic payments are financial transactions initiated by AI agents — software that can make decisions and take actions on behalf of a person or business. For example, an AI assistant that pays invoices, rebalances a treasury, or sends cross-border payments without a human clicking 'confirm' each time. This requires banking infrastructure designed for programmatic, automated money movement.
Why it matters
Why this is the fastest-growing segment
As AI agents become more capable, they'll handle an increasing share of financial decisions. The market for agentic payment infrastructure is projected to grow nearly 25x over the next eight years — and it needs a regulated bank behind it.
Market size, 2025
$7.6B
Projected by 2033
$183.0B
How tech-forward banking helps
How Medici is preparing
Authorize
Define rules and limits for what AI agents can do with your accounts.
Execute
Agents initiate payments through Medici's regulated rails with full audit trails.
Report
Every agent-initiated transaction is logged, reconciled, and compliant.
Benefits for market players
Beneficial impacts
- Prepare for a world where AI handles routine financial decisions.
- Maintain control with programmable rules and spending limits.
- Operate with full regulatory compliance and auditability.
- Capture early-mover advantage in the fastest-growing fintech segment.
Building for one of these markets?
Medici combines regulated banking, modern APIs, compliance controls, and programmable money movement for companies building what comes next.