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October 17, 2025
Cobraste Launches Cobraste Embedded: End-to-End API Platform to rapidly embed Earned Wage Access (EWA)
SAN JUAN, Puerto Rico, October 17, 2025. Cobraste today announced Cobraste Embedded, a production-proven API and partner stack that enables partners, such as payroll platforms, neobanks, and fintechs, to rapidly embed and bring to market Earned Wage Access (EWA) and financial wellness features. Built on Cobraste’s Latin America focused financial wellness platform, the new offering extends the same core that powers the company’s Artificial Financial Intelligence (AFI) infrastructure, and offers flexible choices for funding ownership, branding, and first-line support.
“Embedded finance only works if partners can go live fast, scale safely, and keep control of the experience,” said Steve Barha, Founder & CEO of Cobraste. “With Cobraste Embedded, our partners decide who funds advances, who owns L1 support, and how the brand shows up, while our platform handles decisioning, disbursement, and reconciliation behind the scenes.”
Purpose built for frictionless embedded EWA
Cobraste Embedded packages eligibility, advance decisioning, disbursement, automated repayment and settlement, admin & analytics, notifications, and audit trails behind clean REST APIs, signed webhooks, SDKs, and a ready sandbox so partners can launch quickly without payroll reruns or operational drag. Program controls, rate-limits, and cohort configurations are built-in and not an afterthought.
Flexible partnership models that fit how platforms operate
- Funding: Cobraste-funded, partner-funded, or hybrid by program/client.
- Support: Keep L1 in your CX team or have Cobraste run white-label L1 with shared SLAs and defined escalation.
- Brand: Co-branded or fully white-label.
- Rollout: Pilot by location or cohort; progressive feature flags & rate limits.
The market is moving to embedded EWA
Across payroll and SMB platforms, EWA is shifting from standalone apps to embedded, API-first experiences inside HR, payroll, and banking workflows. Gusto has publicly highlighted embedded product partnerships that include earned wage access in its platform roadmap; Intuit QuickBooks has introduced On-Demand Pay directly inside its payroll ecosystem: clear validation that EWA is becoming a native, integrated feature rather than only an external add-on. Cobraste Embedded brings a frictionless design and AFI enhanced experience to help regional platforms accelerate that transition.
What functionality can partners embed
- Real-time earned balance & configurable guardrails
- Same-day disbursement to bank or card rails
- Automated repayment & reconciliation on payday
- Admin & analytics (cohort views, statements, audit logs, alerts)
- Events & webhooks for full observability
- Financial wellness modules, including AFI mentor, goals, and education
Availability
Cobraste Embedded is available today for qualified payroll, neobank, and fintech partners. Solution architects support partners from sandbox to production. To start a pilot or request API access, visit https://www.cobraste.com/embedded.
About Cobraste
Cobraste is the pioneer and leading provider of digital financial wellness solutions for workforces across Latin America, helping leading employers and platforms deliver Earned Wage Access (EWA) and culturally relevant financial guidance that improves retention, engagement, and business outcomes.
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