Banking as a Service (BaaS) solutions enable non-financial businesses to integrate financial products into their services via APIs. BaaS providers collaborate with licensed banks, combining the bank's financial products (such as checking accounts, savings accounts, credit cards, and payment processing) with their own technology, and then offer this bundle to their customers through APIs. These solutions are often white-labeled or co-branded, allowing businesses to maintain consistent branding for users. BaaS providers serve as the tech-powered intermediary between non-financial businesses looking to offer financial products and the banks themselves. BaaS works by utilizing financial data APIs to connect to financial products and data, allowing non-financial companies to seamlessly embed various financial products into their own offerings. BaaS users—such as fintech companies, neobanks, and non-financial organizations like e-commerce platforms—can either integrate existing banking products into their solutions or use BaaS tools to access customer financial data from partner banks and create their own branded financial products. By leveraging BaaS, businesses can avoid much of the regulatory and compliance complexity that typically comes with entering the financial services sector, enabling them to focus on their core offerings while expanding their product range.

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Square

squareup.com

Square is a point-of-sale app that facilitates payment processing, inventory management, and sales analytics for businesses in various environments.

Modulr

modulrfinance.com

Modulr is a digital platform that streamlines payment processing and account management for businesses, enabling automation and integration with financial systems.

Unit

unit.co

Unit is a banking-as-a-service platform that enables the integration of financial features into products, allowing for quick development and launch.

Synctera

synctera.com

Synctera is a Banking as a Service platform that simplifies building and scaling financial products for businesses through integrated APIs and compliance support.

Swan

swan.io

Swan is a Banking-as-a-Service platform that allows companies to quickly integrate banking features like accounts and payments via simple APIs.

Kanastra

kanastra.com.br

Kanastra is an asset management platform providing banking services, debt issuance, bookkeeping, and analytics for efficient investment and management.

Griffin

griffin.com

Griffin is a UK challenger bank providing a tech platform for fintechs with custodial accounts, interbank payments, and integrated compliance solutions.

Railsr

railsr.com

Railsr provides a platform for brands to integrate embedded finance experiences into their digital services, enhancing customer engagement and financial inclusion.