Spanish fintech Embat manages €250.000 billion in 2025 and accelerates its international expansion

 

Spanish fintech Embatspecialist in treasury management through Artificial IntelligenceThe company closed fiscal year 2025 with assets under management exceeding €250.000 billion. This financial milestone is accompanied by a massive international expansion, where the company acquired half of its new client portfolio outside its traditional markets during the last quarter of the year.

 

Operational milestones and financial efficiency

 

With a base of 350 corporate clients of the caliber of Cabify, Fever, Wallapop o MolinsThe platform has demonstrated its ability to resolve the complexity of businesses operating in multiple jurisdictions. The automation implemented by Embat It allows finance departments to reduce the time spent on accounting and reconciliation tasks by up to 75%, resulting in a critical operational saving of 10 hours per week per user.

 

One of the pillars of this growth has been the launch of TellMea treasury analyst based in IA which allows for cash flow forecast accuracy to exceed 90%. "We are building the financial infrastructure that European companies need to grow with confidence," he says. Antonio Berga, co-CEO of the firm.

 

Key Indicator (2025)	Figure / Detail
Managed volume	> 250.000 million euros
Transactions processed	47 million
Capital raised to date	21,5 millones de euros
Reduction in accounting time	75% (10 hours/week)
Cash flow accuracy	> 90%

 

Global expansion and banking connectivity

 

The internationalization strategy led by Carlos Serrano y Antonio Berga has led to the opening of strategic offices in Londres y MúnichTo strengthen its technical capabilities, the fintech company acquired the American firm in 2025. Necto, a leader in API connectivity, enabling integration with banking giants such as J.P. Morgan, Barclays y Deutsche Bank.

 

Currently, the company integrates services from more than 15.000 banking institutions and operates in 70 different currencies. To support this structure, Embat It plans to expand its workforce to 200 employees before the end of 2026, strengthening its teams with senior profiles from companies such as SAP, Pleo y McKinsey.

 

• International presence: Operational offices in España, Reino Unido y Alemania.
• Internal innovation: Team creation Digital Workforce specialized in AI agents for process efficiency.
• Connectivity: Integration with banks in 70 countries and transactions in 70 different currencies.

 

"The acquisition of Necto "It allows us to connect with the banks that international companies use, which is critical for competing," he explains. Carlos SerranoThe focus for 2026 will be on consolidating presence in new markets and integrating AI into payments and liquidity management.

 

Key points and frequently asked questions about Embat

 

What impact does the platform have on the daily operations of companies?
It allows you to automate bank reconciliation and accounting, reducing the time for these tasks by 75% and shortening financial closings from days to just a few hours.

 

How has it facilitated the acquisition of Necto its expansion?
It has allowed Embat integrate its infrastructure with large global institutions such as Citi o HSBC using state-of-the-art API technology.

 

What are the company's talent growth goals?
After reaching 120 professionals in 2025, the fintech company plans to reach a team of 200 employees by the end of 2026 to support its expansion in Europe.