Danish Fintech Cardlay has launched its first embedded commercial card and spend management program in the United States. Cardlay’s core proposition is enabling financial institutions and vertical platforms to launch a full commercial spend management platform on top of existing issuing and processing infrastructure — without replacing core systems.
At a time when commercial card innovation has largely been driven by vertically integrated challengers, Cardlay provides incumbents with a faster and less complex path to compete. Its modular, API-driven frontend platform delivers configurable spend controls, real-time transaction visibility, automated workflows, and advanced expense management capabilities as a deployable layer.
Cardlay’s approach is built on embracing complexity for mid-market and large organizations, while delivering simplicity for SMEs and distributed teams. The platform is designed to handle the operational and structural requirements of larger businesses without compromising on an intuitive user experience at the employee level.
The first U.S. program is delivered in partnership with Conduiit, a financial platform serving the creator and entertainment economy. Through this collaboration, Conduiit is introducing a scalable commercial card and spend-management experience tailored for creators, production companies, and distributed teams. Cards are issued on the Mastercard network.
For Conduiit, the partnership provides enterprise-grade spend management capabilities embedded directly into its platform, enabling structured financial controls, approval workflows, and real-time visibility without building proprietary infrastructure from scratch.
Cardlay’s architecture integrates with existing processors, issuing banks, and payment networks across markets. By separating the user experience and spend functionality from the underlying infrastructure, the company enables financial institutions and vertical platforms to modernize commercial card portfolios, accelerate innovation, and compete in an evolving market landscape.