ASX-listed Stakk Restricted have introduced report progress throughout its SaaS-based Embedded Finance platform, Stakk IQ™, underscoring the corporate’s transformation from a legacy consumer-focused enterprise right into a high-margin, globally related supplier of “important however boring” monetary infrastructure, trusted by main fintech’s and enterprise platforms worldwide.

These outcomes signify probably the most fast income escalations achieved by any ASX-listed SaaS firm this yr and place Stakk as a top-performing progress inventory inside its sector.

Enterprise Transformation and Inflection Level

Since finishing the exit of its client actions earlier this yr, Stakk has absolutely transitioned to a modular, API-first SaaS mannequin. This strategic pivot has yielded a step-change in efficiency – remodeling recurring income, eliminating historic losses, and driving constant shareholder worth creation. The corporate’s gross margin working at roughly 78%, supported by a capital-efficient value construction and multi-year consumer contracts that present predictable, defensible income streams.

Addressing a Vital Market Want

Fashionable fintech’s and enterprise platforms pour assets into constructing “horny” new customer-facing experiences, whereas the complicated, compliance-heavy infrastructure underpinning them – doc seize, threat analysis, authentication, transaction orchestration, settlement, and audit – stays under-served. Stakk builds what others gained’t: the important, regulator-ready infrastructure that permits innovation to scale instantly and safely.

Delivered by way of Stakk’s sub-brand “Stakk IQ™”, the Firm’s modular platform presently offers plug-and-play entry to 6 built-in capabilities:

• Seize IQ™ – cell picture seize, OCR, tamper & liveness detection
• Threat IQ™ – dynamic credit score & fraud scoring utilizing structured & unstructured information
• Auth IQ™ – real-time authentication & decisioning utilizing machine, biometric & behavioral alerts
• Stream IQ™ – transaction routing & orchestration throughout fee rails
• Settle IQ™ – post-transaction reconciliation & audit logging
• Rating IQ™ – API entry to underwriting, behavioural scoring & pricing logic

Collectively they ship the “monetary plumbing” that retains embedded-finance ecosystems compliant, safe, and scalable.

International Market Validation

Stakk’s consumer portfolio now features a rising listing of worldwide recognised fintech and enterprise manufacturers – together with Robinhood, T-Cell, Present, and different main establishments – every counting on Stakk IQ™ to switch legacy programs with a unified, embedded-finance infrastructure layer.

These partnerships display clear product-market match and reinforce Stakk’s repute because the “boring however sensible” engine behind trendy fintech innovation.

Market Alternative

Based on Grand View Analysis (2025), the U.S. Embedded Finance market presently totals roughly US$25.9 billion, rising at a 32% CAGR and projected to exceed US$100 billion by 2030. The Australian market represents round 7% of that measurement (≈ US$7 billion) and is predicted to observe the same progress curve. Stakk is strategically positioned to seize share throughout each markets, with its present give attention to Australia and america.

Pipeline and Execution

The Firm continues to construct a strong pipeline of tier-one and mid-market purchasers throughout banking, fintech, and enterprise platforms. A disciplined governance-first method, mixed with an execution-driven management group, is delivering constant contract wins and sustainable margin growth.

Nikhil Ghanekar, Chairman of Stakk Restricted, stated, “Our transition to a pure-play SaaS enterprise has delivered outcomes that talk for themselves. Stakk is exceeding each progress benchmark set at the beginning of the yr, attracting globally recognised manufacturers, and executing with precision. We’re delivering the important – however admittedly boring – infrastructure that underpins the trendy monetary economic system, and in doing so, we’re creating lasting worth for our shareholders.

“With our ARR run-rate on observe to exceed A$8 million by year-end, a scalable expertise platform, and an increasing worldwide pipeline, Stakk is positioned to enter 2026 as one in every of Australia’s most compelling high-growth SaaS tales. And all through 2026, we anticipate continued income acceleration by way of the growth of present consumer relationships and the deployment of latest modules throughout the Stakk IQ™ suite.”