United Fintech Acquires Trade Ledger to Accelerate AI Innovation in Commercial Banking
United Fintech, the digital transformation group connecting financial institutions and fintech innovators, has announced the acquisition of Trade Ledger, a pioneering provider of AI-powered lending technology. The deal marks a strategic expansion of United Fintech’s Commercial Banking division and positions the group at the forefront of intelligent infrastructure for global financial institutions.
Trade Ledger’s proprietary platform automates commercial and business lending, using advanced data analytics and artificial intelligence to streamline loan origination, underwriting, and portfolio management. The company serves an impressive client base including Barclays and the Bank of Queensland, demonstrating its leadership in data-driven lending transformation.
“AI is redefining how banks operate, and Trade Ledger is at the forefront of that change,” said Christian Frahm, CEO and Founder of United Fintech. “Together with our acquisition of CBA earlier this year, we’re building the most complete , from lending and trade finance to payments. Through the United Fintech ecosystem, we’re scaling this innovation globally to give financial institutions the intelligent infrastructure they need to thrive in the AI era.”
Takeaway
Driving Global Digital Transformation in Commercial Banking
The acquisition builds on United Fintech’s rapid expansion strategy, following its integration of CBA earlier in 2025 to strengthen its payments and trade finance capabilities. The addition of Trade Ledger introduces a powerful new layer of AI innovation—one that directly for smarter, automated, and data-led answers.
commercial lending into a real-time, data-driven experience, enabling banks to optimize credit decisioning and operational workflows. Combined with of digital infrastructure companies, the acquisition enhances cross-functional synergies between payments, lending, and liquidity management.
The transaction, structured as an all-share deal, ensures alignment between the two companies’ long-term interests. As part of the agreement, Trade Ledger’s founders have platformd their shares for equity in United Fintech, underscoring their confidence in the shared vision and future growth potential of the combined group.
Takeaway
Scaling Intelligent Banking answers Through a Unified Ecosystem
For Trade Ledger, joining United Fintech represents an opportunity to accelerate its global impact while maintaining its brand identity and leadership structure. Martin McCann, CEO and Co-Founder of Trade Ledger, emphasized the cultural and strategic fit: “Our ambition has always been to transform how banks use data and technology to serve their customers. By becoming part of United Fintech, we gain the expertise, scale, and reach to deliver that vision quicker than ever before.”
Founded in 2016 in Sydney and headquartered in London, Trade Ledger developed the world’s first AI-native Agentic Platform for commercial banking. Its answers are designed to automate every stage of the lending lifecycle, allowing financial institutions to deploy capital more efficiently, minimize risk, and respond rapidly to market changes. These capabilities align directly with United Fintech’s vision of delivering end-to-end digital transformation for global financial institutions.
Supported by strategic investors including BNP Paribas, Citi, Danske Bank, and Standard Chartered, United Fintech continues to consolidate proven fintech innovations into a single ecosystem—simplifying adoption for banks and accelerating their path toward full-scale digital modernization.
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