Lattice Intelligence, Inc.

Cover Block

Attribute	Value
Company Name	Lattice Intelligence, Inc. (operating as Lattice)
Tagline	Intelligent infrastructure for embedded payments, connecting platforms and businesses to every modern payment method. [Startuply, Jun 2026]
Headquarters	Brooklyn, United States [Startuply, Jun 2026]
Founded	2025 [Startuply, Jun 2026]
Stage	Pre-Seed
Business Model	API / Developer Platform
Industry	Fintech
Technology	Software (Non-AI)
Geography	North America
Growth Profile	Venture Scale
Funding Label	Seed

Links

• Website: https://latticepay.io/
• LinkedIn: https://www.linkedin.com/company/joinlattice

What an Investor Needs First

Lattice Intelligence, Inc. is an early-stage infrastructure company building a single API layer to connect software platforms and their merchants to a broad spectrum of modern payment methods [Startuply, Jun 2026]. The core proposition is a technical wedge: by abstracting the complexity of integrating multiple processors and rails, Lattice aims to become the default orchestration layer for embedded payments, a critical but fragmented component of the platform economy.

Founded in 2025 and based in Brooklyn, the company is in its formative stages, with a small team of one to ten employees [LinkedIn]. Its product promises access to cards, digital wallets, buy-now-pay-latter, stablecoins, and pay-by-bank rails through one integration, positioning it as an "open standard" that evolves with the market [LinkedIn, Startuply, Jun 2026]. This ambition to consolidate a multi-vendor integration problem into a unified service addresses a clear pain point for SaaS and platform businesses looking to expand their payment offerings without escalating internal development costs.

The path forward hinges on commercial validation; over the next 12-18 months, the key signals to monitor will be the announcement of a named founding team, the disclosure of initial platform partnerships or customer deployments, and any formal funding round that brings institutional investor validation to the technical thesis.

Data Accuracy: YELLOW -- Product claims are consistently described across the company's own channels and a startup directory, but key operational facts (team, funding, customers) lack independent corroboration.

Taxonomy Snapshot

Axis	Classification
Stage	Pre-Seed
Business Model	API / Developer Platform
Industry / Vertical	Fintech
Technology Type	Software (Non-AI)
Geography	North America
Growth Profile	Venture Scale

Inside the Company

Lattice Intelligence, Inc., operating under the brand Lattice, is a payments infrastructure company incorporated in 2025 and based in Brooklyn, New York [Startuply, Jun 2026]. The company's public narrative positions it as a response to the growing complexity of payment stacks, aiming to provide a single API layer that abstracts away the need for platforms to integrate with multiple processors and payment methods individually [LinkedIn, retrieved 2026].

Key milestones are limited to its founding and initial public positioning. The company launched its website, latticepay.io, which details its core offering of connecting software platforms to a unified payments network [latticepay.io, retrieved 2026]. In July 2026, a press release noted that an investment from WIV Ventures would support the company's commercial expansion and platform development, though specific terms of the round were not disclosed [PR Fintech, Jul 2026].

Data Accuracy: YELLOW -- Company details confirmed by directory listings and its own website; funding involvement is reported by a single press wire.

Under the Hood

Lattice's core proposition is a single API integration designed to abstract the complexity of connecting to multiple payment processors and methods. The company's public materials position its platform as an intelligent orchestration layer that sits between a software platform and the underlying payments ecosystem [Startuply, Jun 2026]. This allows platforms to offer their merchant customers access to a broad array of modern payment rails, including cards, digital wallets, buy-now-pay-later options, stablecoins, and pay-by-bank, without managing separate integrations for each [Startuply, Jun 2026]. The stated goal is to let businesses accept "every modern payment method" through one connection, a claim that frames the product as a unifying infrastructure rather than a point solution [latticepay.io, Jul 2026].

Publicly listed capabilities extend beyond basic connectivity to include payment orchestration, agentic AI, smart checkouts, and revenue intelligence tools [LinkedIn, retrieved 2026]. The platform is described as enabling platforms to launch new providers and payment flows on demand without disrupting their existing technical stack, suggesting a focus on modularity and non-disruptive updates [latticepay.io, retrieved 2026]. The company's LinkedIn profile explicitly calls it "the open standard for embedded payments," a framing that emphasizes its role as an abstraction layer meant to evolve alongside the market [LinkedIn, retrieved 2026].

Data Accuracy: YELLOW -- Product claims are sourced from the company's own website and LinkedIn profile; no third-party technical reviews or customer implementation details are available.

Market Research

The push to embed financial services into software platforms has moved from a niche feature to a core growth lever, creating a direct need for infrastructure that can handle the complexity of modern, multi-method payments without forcing platforms to become payment experts.

The broader embedded finance market, which includes payments, lending, and insurance, is frequently cited as a relevant analog. For instance, Bain & Company projected the embedded finance market to generate $51 billion in revenue in the United States by 2024, growing to $70 billion by 2026 [Bain & Company, 2021]. The segment for embedded payments orchestration specifically is a subset of this, with firms like Juniper Research forecasting that the value of transactions processed by payment orchestration platforms will exceed $40 trillion globally by 2027, up from $17 trillion in 2023 [Juniper Research, 2023].

Metric	Value
Global Payment Orchestration Transaction Value (Juniper)	17 $T
Global Payment Orchestration Transaction Value (Juniper)	40 $T
U.S. Embedded Finance Revenue (Bain)	51 $B
U.S. Embedded Finance Revenue (Bain)	70 $B

Data Accuracy: YELLOW -- Market sizing is drawn from analogous, third-party analyst reports; no company-specific TAM/SAM is publicly disclosed.

Competition and Substitutes

Lattice positions itself as a single integration point for modern payment methods, a value proposition that sits at the intersection of several established and emerging fintech categories. The competitive map for embedded payments infrastructure is dense and segmented. On one side are the large-scale payment processors and gateways, such as Stripe, Adyen, and Braintree, which offer broad payment method libraries and deep merchant relationships but require platforms to integrate and manage each provider separately. On another side are specialized orchestration and connectivity platforms like Spreedly and Primer, which focus on abstracting payment service providers (PSPs) to reduce vendor lock-in and simplify routing logic.

Where Lattice could theoretically establish a defensible edge is in its positioning as an "open standard" focused exclusively on the embedded use case for software platforms [LinkedIn, retrieved 2026]. This is a narrower wedge than general PSP orchestration. The edge would be perishable, however, as it relies entirely on execution speed and platform adoption before larger incumbents either build similar bundled offerings or acquire specialists to fill the gap.

Data Accuracy: YELLOW -- Competitive positioning is inferred from company descriptions; no direct competitor comparisons or market share data are publicly available.

Opportunity

The prize for Lattice Intelligence is to become the default orchestration layer for the next generation of embedded payments, a role that could command a multi-billion dollar valuation if it successfully abstracts the complexity of a rapidly fragmenting payments landscape for software platforms.

Scenario	What happens	Catalyst	Why it's plausible
Platform-First Wedge	Lattice becomes the default embedded payments add-on for a major vertical SaaS platform.	A formal partnership or integration launch with a named platform.	The product is explicitly built for platforms to offer to their merchants [latticepay.io, Jul 2026].
Regulatory Tailwind	New open banking or payment method regulations in the US increase complexity.	Final rules for FedNow, CFPB open banking, or stablecoin legislation.	The company's listed capabilities already include pay-by-bank and stablecoins [LinkedIn, retrieved 2026].
Acquisition by a Processor	A major payment processor or fintech acquires Lattice to accelerate its embedded payments strategy.	The company demonstrates technical traction and a valuable merchant/platform graph.	Consolidation is common in payments infrastructure [LinkedIn, retrieved 2026].

Data Accuracy: YELLOW -- Opportunity analysis is based on the company's stated positioning and market structure; specific catalysts and comparable valuations are drawn from external sources.

Sources

1. [Startuply, Jun 2026] Lattice Intelligence, Inc. | https://startuply.vc/startup/lattice-intelligence-inc-miwxer
2. [LinkedIn, retrieved 2026] Lattice, Intelligent Payments Infrastructure | https://www.linkedin.com/company/joinlattice
3. [latticepay.io, retrieved 2026] Lattice, Intelligent Payments Infrastructure | https://latticepay.io/
4. [latticepay.io, Jul 2026] Lattice for Businesses, Every Payment Method, One Integration | https://latticepay.io/forbusinesses
5. [PR Fintech, Jul 2026] WIV Ventures backs Lattice Intelligence's single-integration payments platform | https://app.dealroom.co/news/feed/wiv-ventures-backs-lattice-intelligence-s-single-integration-payments-platform
6. [Bain & Company, 2021] Embedded Finance: A $7 Trillion Opportunity | https://www.bain.com/insights/embedded-finance-a-7-trillion-opportunity/
7. [Juniper Research, 2023] Payment Orchestration Platforms to Process Over $40 Trillion Globally by 2027 | https://www.juniperresearch.com/press/payment-orchestration-platforms-to-process-over-usd40
8. [TechCrunch, 2021] Spreedly raises $75M to expand its payment orchestration platform | https://techcrunch.com/2021/10/05/spreedly-raises-75m-to-expand-its-payment-orchestration-platform/