4th Wave

Overview
FinTech Infrastructure?
Product stageSegments
Early
?
Banking services, Payment and subscription management
?

Canada-based 4thWave is a banking-as-a-service (BaaS) platform that provides integrated working capital financing and business-to-business (B2B) payment solutions. The platform focuses on leveraging its technology in the supply chain, lending, and payments ecosystem.

Its payments infrastructure includes solutions for global payments, mobile wallets, and buy-now-pay-later (BNPL) solutions, among others. 4thWave also enables commercial users to streamline B2B payments with secure virtual card offerings and expanded access for buyers and suppliers. Meanwhile, its supply chain financing solutions include working capital funding solutions for suppliers and buyers as well as tools for funding entities to improve disbursements and limit utilization (such as using sanctioned limits, implementing innovative funding options, automated repayments, etc.).

Key customers and partnerships

In January 2024, 4thWave partnered with Mastercard to streamline B2B payment flows in the Europe, Middle East, and Africa (EMEA) as well as Asia regions. Through this partnership, 4thWave integrated its supply chain finance platform into Mastercard’s In Control for Commercial Payments (ICCP), aiming to enhance B2B payments for Mastercard’s commercial clients and position itself to offer flexible working capital programs in addition to streamlining B2B payment flows.

HQ location:
P O Box 6547 Alexandria VA USA
Founded year:
-
Employees:
11-50
IPO status:
Private
Total funding:
-
Last Funding:
-
Last valuation:
-
Key competitors
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