Global payments processor Thredd announced Monday (Oct. 27, 2025) that it has integrated LoanPro’s composable credit infrastructure to power its new suite of credit offerings. The move marks Thredd’s formal entry into the credit market — expanding its full-stack embedded issuing and processing capabilities beyond debit and prepaid solutions.
According to the company, this partnership enables fintechs, digital banks, and financial enterprises to design, launch, and scale personalized credit products with greater flexibility and compliance. The collaboration will extend across the U.S. and multiple international markets, reinforcing Thredd’s position as a next-generation global payment processor.
Overview: Thredd’s Strategic Shift into Credit
| Category | Details |
|---|---|
| Announcement Date | October 27, 2025 |
| Companies Involved | Thredd and LoanPro |
| Objective | Enable rapid deployment of credit, debit, and prepaid solutions |
| Geographical Reach | U.S. and global markets |
| Target Audience | Fintechs, banks, and embedded finance providers |
| Core Value | Accelerate product innovation and compliance for credit offerings |
Key Features of the Partnership
1. Composable Credit Infrastructure
LoanPro’s modular architecture allows Thredd’s clients to build and customize revolving credit products — including lines of credit, installment loans, and credit cards — while maintaining compliance.
“LoanPro’s platform solves much of the inherent complexity in providing truly differentiated credit,” said Jim McCarthy, CEO of Thredd. “This integration empowers our clients to build sticky, profitable credit products while maintaining operational efficiency.”
2. Global Scalability and Embedded Capabilities
By embedding LoanPro’s infrastructure into its existing processing stack, Thredd now offers a single integrated platform covering debit, prepaid, and credit issuance — accelerating time-to-market for new fintech entrants.
3. Enhanced Revenue Streams for Partners
Credit-based offerings open new profit channels for fintechs and enterprises. “Credit value propositions drive higher engagement and wallet share,” McCarthy added.
Why LoanPro?
LoanPro has become a leader in modern lending technology, serving 600+ lenders globally. Its composable architecture supports automation across loan origination, servicing, collections, and payments — providing what Co-Founder and CEO Rhett Roberts calls “the foundation to innovate the future of finance.”
“The future of finance is personalized,” Roberts said. “Thredd brings the entire ecosystem needed to launch modern credit products. With our platform, clients can personalize offerings at scale and drive share of wallet.”
Benefits for Fintechs and Financial Institutions
| Benefit | Description |
|---|---|
| Speed to Market | Launch new credit products faster with modular infrastructure. |
| Regulatory Compliance | Built-in tools help maintain local and international compliance standards. |
| Operational Efficiency | Automate servicing, billing, and reporting to reduce overhead costs. |
| Revenue Growth | Expand into credit-based models to boost customer retention and profitability. |
| Scalable Innovation | Build tailored products for both B2B and B2C markets across geographies. |
Recent Thredd Collaborations Strengthening Its Ecosystem
| Partner | Focus Area | Objective |
|---|---|---|
| Visa & Featurespace | Anti-Fraud Solutions | Developed One View, an AI-driven fraud detection system. |
| Ontop | Payroll & Workforce Payments | Enabled real-time access to earnings for freelancers and contractors. |
| Payblr (Puerto Rico) | Global Issuing in LATAM | Simplified program activation for fintechs entering Latin America. |
Each partnership underscores Thredd’s broader goal: creating a holistic embedded finance ecosystem that supports innovation, compliance, and customer experience from issuance to credit expansion.
“By teaming up with Payblr, we’re offering a faster, simpler way for our clients to activate programs in Latin America — without compromising on compliance or speed,” said Kevin Fox, Chief Revenue Officer at Thredd.
About Thredd
Thredd is a next-generation payments processor supporting fintechs, digital banks, and embedded finance providers worldwide. The company handles billions of debit, prepaid, and credit transactions annually, serving clients across 47 countries.
- Specialty: Embedded issuing & global payment processing
- Client Base: 100+ fintechs and banks
- Reach: Consumer and corporate sectors
About LoanPro
LoanPro is a modern lending platform built for composability and innovation. It empowers lenders to scale faster, improve customer experience, and optimize operational efficiency. Over 600 lenders use LoanPro to upgrade origination, servicing, and collections — all powered by a modern, API-first lending core.
- Core Focus: Lending infrastructure innovation
- Key Strength: Modular architecture for credit lifecycle management
- Goal: Enable lenders to innovate the future of finance
Why This Partnership Matters?
This collaboration represents more than a technical integration — it signals a paradigm shift in how credit infrastructure is deployed globally. As embedded finance continues to redefine banking, Thredd’s partnership with LoanPro positions it as a comprehensive, API-driven player capable of powering everything from prepaid cards to revolving credit products.
“This partnership creates a seamless runway for fintechs to go from idea to credit issuance in record time,” said Ellen Cooper, FinTech Analyst at Capital Frontier Research. “It’s the kind of infrastructure partnership that accelerates the next wave of financial innovation.”
For financial institutions, the integration simplifies complex back-end processes, while offering end users personalized credit experiences — a growing expectation in 2025’s competitive digital finance landscape.
FAQs
What does Thredd’s partnership with LoanPro enable?
It allows fintechs and banks to build, launch, and scale custom credit products faster using a unified processing platform.
Is Thredd expanding beyond debit and prepaid cards?
Yes. Thredd is now offering credit solutions, making it a full-stack embedded finance provider.
Will this affect Thredd’s existing clients?
Yes, positively. Current clients can integrate credit features into their existing debit or prepaid systems seamlessly.
What regions will benefit first from this partnership?
The rollout starts in the U.S., with expansion planned for Europe, Latin America, and Asia-Pacific.
What makes LoanPro’s platform unique?
LoanPro’s composable architecture enables lenders to customize workflows, products, and automation without rebuilding their systems.
How does this improve compliance and scalability?
The joint system embeds compliance tools and automates reporting, reducing regulatory risks while supporting rapid growth.