Australian fintech Stakk (ASX:SKK) has signed a three-year agreement with U.S. telecommunications giant T-Mobile USA, Inc., positioning itself inside one of the world’s largest telco ecosystems.

The deal places Stakk’s embedded finance technology directly into T-Mobile’s new T-Life Super App, supporting the T-Mobile Money service and giving the company exposure to a potential base of 132.8 million subscribers.

Highlighting the Industry Opportunity

The U.S. telecommunications market has been quick to embrace “super app” strategies, consolidating services from mobile plans to financial products under one digital roof. For Stakk, this represents a significant chance to leverage its image authentication and orchestration technology at scale.

“Today’s news further demonstrates the incredible and robust growth pipeline Stakk has developed and underscores the optimal product/market fit of our Embedded Finance solution,” said Chief Executive Officer Andy Taylor.

Embedding into T-Mobile’s Customer Base

Under the agreement, T-Mobile will integrate Stakk’s mobile image capture, authentication, OCR, and data orchestration features into T-Life. This will support the T-Mobile Money banking service, which offers zero-fee accounts, high-yield savings, and access to over 55,000 ATMs.

Taylor pointed to the calibre of the client as proof of momentum.


“Securing T-Mobile as another tier-one client of Stakk, hot on the heels of securing the Robinhood (NASDAQ:HOOD) agreement, is a testament to our executional capabilities in this space,” he said.

Revenue Model and Immediate Flows

The contract will generate recurring monthly platform fees alongside usage-based transaction charges, which accrue each time T-Mobile customers interact with Stakk-powered features. Importantly for investors, revenue begins flowing immediately.

Taylor emphasised the diversification benefits of the partnership.


“It also demonstrates a diversification of Stakk’s customer universe – extending beyond traditional financial institutions and fintechs,” he said.

T-Mobile’s Innovation Push

T-Mobile, headquartered in Bellevue, Washington, has built its U.S. presence through disruptive strategies, including its US$26 billion merger with Sprint in 2020. With T-Life, the company is consolidating its services into a single platform designed to boost customer convenience and retention.

Taylor recognised this culture of innovation.


“T-Mobile is not just the second-largest carrier in the U.S., they are a beacon of innovation in an otherwise stagnant market, constantly looking to create more meaningful value for their customers and shareholders alike,” he said.

Stakk’s Positioning

Stakk has built a client list across more than 200 banks, credit unions, neobanks, and fintechs in Australia and the U.S. The T-Mobile agreement marks another expansion into non-traditional financial services, aligning with the company’s strategy to embed finance infrastructure in high-volume digital platforms.

“We thrive in situations where we get to work in partnership with like-minded, purpose-driven organisations like T-Mobile,” Taylor said.

Outlook

With immediate revenue contributions and a renewal option for additional terms, the agreement gives Stakk a foothold in one of the most competitive consumer technology markets. The contract underscores the company’s ability to execute across geographies and industries, while offering Australian investors exposure to U.S. telco-driven fintech adoption.