In 2025, the winners in SaaS won’t just build tools—they’ll build financial ecosystems. Platforms that embed programmable wallets, optimize FX, and own their payment stack will not only grow faster—they’ll be the ones still standing five years from now.
Embedded Finance: Move Beyond SaaS Subscriptions
SaaS success used to mean growing subscription revenue. But with subscription fatigue rising, platforms need new revenue levers. Embedded finance turns SaaS into fintech wrappers:
✔️ In-App Wallets: Top-up, hold, spend
✔️ Refunds & Loyalty: Wallet-based incentives
✔️ Monetized Flows: Charge for perks (priority access, balance locks)
Action: Audit feature sets for wallet monetization potential; shift refunds into stored value.
FX & Payout Optimization: Stop Losing Money on Treasury Ops
FX spreads eat SaaS margins quietly. 63% of CFOs in B2B SaaS cited FX costs as a top concern in global expansion.
✔️ Multi-Currency Wallets
✔️ Real-Time Conversion Logic
✔️ Treasury Automation with API Control
Action: Map current FX loss points; layer in logic for rate-triggered conversion and payout automation.
Customization & Vendor Freedom: Scale on Your Terms
Locked-in PSPs kill agility. As Gartner reports, 78% of mid-market SaaS leaders seek multi-vendor orchestration by 2025.
✔️ Modular APIs
✔️ Vendor-Agnostic Routing
✔️ Custom Logic (escrow, deferred KYC) 
Action: Audit PSP dependencies; build flow charts with ideal routing & logic.
AI-Powered Fraud Protection: Don’t Let Growth Invite Risk
Fraudsters scale with you. SaaS with team-based accounts and flexible payout logic face higher synthetic ID and account takeover risk .
✔️ Behavioral AI
✔️ Role-Based Permissions
✔️ Real-Time Fraud Scoring
Navigating the SaaS shift
"Software is no longer the full story. Embedded finance is the next chapter—and you need the right infrastructure to write it."
Andy van Susteren Sales Lead @ Mangopay Connect on LinkedIn
Ready to future-proof your SaaS business? Let’s talk.