United Fintech described the acquisition as a major step in building a complete digital infrastructure for commercial banking.
Trade Ledger’s technology allows banks to automate lending decisions using real-time data, serving clients such as Barclays and Bank of Queensland.
The company will retain its leadership team and brand identity while becoming part of United Fintech’s expanding Commercial Banking division.
“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 now building the most complete digital infrastructure for commercial banking, from lending and trade finance to payments.”
The acquisition follows United Fintech’s integration of CBA, which added payments and trade finance capabilities to the group.
Combining the two businesses strengthens United Fintech’s position as a strategic partner helping financial institutions automate workflows and enhance credit decisioning.
The acquisition is structured as an all-share transaction. The companies said Trade Ledger’s founders exchanged their shares for equity in United Fintech, which CEO and Co-Founder Martin McCann said reflects their “belief in the long-term value of being part of something bigger” and their ambition to accelerate AI-driven transformation in banking.
