Alviere vs 100ms

About

Alviere is an embedded finance platform that enables large non-financial enterprises to offer banking products, payments, and financial services to their customers and employees. Founded in 2018 and headquartered in Denver, Colorado, the company has raised over $70 million in funding. Alviere targets enterprises in retail, healthcare, HR, and other non-financial sectors that want to add financial services to their customer or employee experience without becoming regulated financial institutions themselves.\n\nAlviere's platform provides white-label financial product capabilities including FDIC-insured accounts, debit cards, international money transfers, and rewards programs that enterprises can brand and distribute through their existing customer channels. A distinctive aspect of Alviere's offering is its focus on employee financial wellness — enabling large employers to offer their employees branded accounts, earned wage access, and savings tools through the company's HR or benefits platform. This creates a financial services distribution channel through the employment relationship.\n\nAlviere has invested in a proprietary compliance and regulatory infrastructure that allows it to serve enterprise customers globally across multiple jurisdictions, an important capability for multinational enterprises seeking embedded finance solutions that work across their operating countries. The company's enterprise focus means it targets large organizations with thousands of customers or employees as the distribution base, differentiating it from BaaS platforms focused on fintech startup customers. Its 2025 push has been into the retail and hospitality sectors, where consumer loyalty programs with financial product integration represent a growing market opportunity.