Embedded Finance, Member Exclusive

Embedded Briefing: Bright prospects for B2B payments; BNPL attracting investments

  • As SMBs increasingly adopt e-commerce solutions for purchasing, payments methods like B2B BNPL are becoming more attractive.
  • Given that delayed payments are a regularity in the industry, the BNPL protocol can add a valuable option to the existing standards.
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Embedded Briefing: Bright prospects for B2B payments; BNPL attracting investments

BNPL has found a cozy home in consumer markets. In the B2B trade, however, the payment innovation has been less relevant, though that’s changing fast. With the ambition of leaving a lasting impact on trade finance, many startups, new and old, are now invested in bringing BNPL to businesses.

And that comes as little surprise. B2B spending is one of the biggest markets for financial services in the world, worth around $27 trillion in 2021 in the US alone, and businesses are constantly looking for more flexible payment mechanisms.

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Robinhood is an online stock brokerage that offers its customers commission free trading and investing. Robinhood users can invest and trade in stocks, exchange traded funds, options, and cryptocurrency. Customers can invest in over 5,000 stocks with Robinhood, including most U.S. equities and ETFs listed on U.S. exchanges.

Robinhood Financial, LLC and Robinhood Crypto, LLC are wholly-owned subsidiaries of Robinhood Markets, Inc. All cryptocurrency holdings are held in Robinhood Crypto as opposed to Robinhood Financial.

The company was founded in 2013 by Stanford roommates Baiju Bhatt and Vladimir Tenev. It has its headquarters in Menlo Park California and offices in the U.S and the UK.

Account Types

Robinhood’s products are accessible through its three different accounts: Robinhood Instant, Robinhood Gold and Robinhood Cash.

Robinhood Instant

Robinhood Instant is the default Robinhood account which is a margin account that has access to extended hours trading and instant deposits. Robinhood Instant account users do not have to wait for funds to process while selling stocks or depositing up to $1000.

Robinhood Gold

Robinhood Gold comprises a range of investing tools and premium products such as greater instant deposits starting at $5000 to a max of $50k, research from Morningstar on 1700 stocks, Level II Market Data from Nasdaq and more access to trading on margin. It has greater buying power and larger instant deposits as compared to the Robinhood Instant account.


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