Best Banking-As-A-Service (BaaS) Companies

Stripe provides services for businesses to manage online and in-person payments. The company offers products including payment processing Application Programming Interfaces (APIs), payment tools, and solutions for handling subscriptions, invoicing, and financial reports. Stripe serves sectors such as e-commerce, Software as a Service (SaaS), platforms, marketplaces, and the creator economy. Stripe was formerly known as DevPayments. It was founded in 2010 and is based in South San Francisco, California.

Solaris is a technology company with a banking license that provides Banking-as-a-Service solutions in the financial services sector. The company offers a platform for businesses to integrate digital banking, payment services, and lending options into their products through APIs. Solaris serves sectors that require embedded finance solutions, including mobility, travel, and wealth management. Solaris was formerly known as Solarisbank. It was founded in 2016 and is based in Berlin, Germany.

Alviere offers an enterprise-embedded finance platform operating in the financial services industry. It offers financial products, including accounts, payments, branded cards, and global money transfers, all designed to be integrated into clients' existing business models. It primarily serves sectors such as travel and hospitality, retail, marketplaces, financial services, and telecommunications. It was formerly known as Mezu. It was founded in 2020 and is based in Denver, Colorado.

ClearBank is a financial technology company that operates in the banking sector. The company provides a cloud-based API that enables financial institutions to offer their customers a fully regulated banking infrastructure and real-time clearing access. ClearBank primarily serves fintechs, crypto platforms, banks, and credit unions. ClearBank was formerly known as CB Infrastructure Limited. It was founded in 2014 and is based in Bristol, United Kingdom.

Cross River provides API-driven financial solutions across various business sectors. The company offers a suite of services, including embedded payments, card issuing, and digital lending for businesses. Cross River serves sectors that require fintech infrastructure, such as digital lenders, merchant acquirers, and neobanks. It was founded in 2008 and is based in Fort Lee, New Jersey. It is a subsidiary of CRB Group, Inc.

Finzly is a company that operates within the financial technology sector. It provides a platform for banks to manage payments, accounts, and international banking services, with a focus on embedded banking and digital experiences. The company serves financial institutions that are modernizing their operations. Finzly was formerly known as SwapsTech. It was founded in 2012 and is based in Charlotte, North Carolina.

Green Dot (NYSE: GDOT) is a financial technology company that specializes in personal banking and payment solutions within the financial services sector. The company offers a variety of products, including mobile bank accounts, debit cards, and prepaid cards designed to provide consumers with secure and convenient access to their funds. Green Dot's flagship product, GO2bank, is a digital banking platform aimed at improving the financial health of consumers through accessible mobile banking services. It was founded in 1999 and is based in Austin, Texas.

Griffin is a Banking as a Service (BaaS) provider in the financial technology sector. The company offers a platform that enables businesses to integrate banking services into their products, including savings and operational accounts, payments, and compliance with financial regulations. Griffin primarily serves the fintech industry, offering solutions for payment platforms, proptech, wealthtech, and financial wellness applications. It was founded in 2017 and is based in London, United Kingdom.

Marqeta (MQ) specializes in modern card issuing and payment solutions within the financial technology sector. The company offers a platform that enables businesses to issue debit, credit, and prepaid cards, as well as integrate digital wallets and tokenization, with a focus on dynamic spend controls and Just-in-Time funding. Marqeta's services cater to various sectors, including digital banking, online marketplaces, and on-demand services. It was founded in 2010 and is based in Oakland, California.

MatchMove is a fintech company specializing in digital payments and banking solutions across various sectors. The company offers a platform for businesses and individuals to spend, send, and lend money through services such as instantly issued cards, domestic and international transfers, and customized lending based on spending and sending patterns. MatchMove's solutions cater to enterprise clients looking to digitize payments and provide financial services to underserved markets. It was founded in 2009 and is based in Singapore.

Starling Bank is a digital bank that focuses on providing a range of banking services within the financial sector. The company offers personal and business banking solutions, including current accounts, overdrafts, loans, and money transfer services, all accessible through an intuitive mobile app. Starling Bank primarily serves individuals and businesses looking for modern, mobile-first banking experiences. It was founded in 2014 and is based in London, United Kingdom.

Synctera is a banking and payments platform that provides technology infrastructure and a compliance framework for companies to launch FinTech and embedded banking products. The company offers services including APIs for digital wallets, debit and charge cards, and money movement experiences, supporting financial solutions. Synctera primarily serves FinTechs, embedded banking providers, and banks looking to build their sponsor banking programs. It was formerly known as Entangle. It was founded in 2020 and is based in Palo Alto, California.

The Bank of London (TBOL) operates as a principal clearing bank in the financial services industry. It offers a range of services, including business and corporate banking, embedded banking solutions, agency banking, clearing, and payments. Its services provide access to domestic and international payment infrastructure, tailored banking solutions for customers, and the ability to open a bank account. It was founded in 2020 and is based in London, United Kingdom.

Treasury Prime is an embedded banking platform that specializes in connecting businesses with a network of banks and financial service providers. Its main offerings include API banking integrations that enable companies to develop and launch financial products such as FDIC-insured accounts, payment processing solutions, and debit card issuance. Treasury Prime's platform is designed to support compliance program integration and multi-bank operations, facilitating the creation of investment vehicles and instant payout ecosystems for various industries. It was founded in 2017 and is based in San Francisco, California.

Unit is a financial technology company that specializes in embedded finance and financial infrastructure within the banking and lending sectors. The company offers a platform that enables tech companies to integrate banking services, such as storing, moving, and lending money, into their products. Unit's services are designed to facilitate compliance and simplify technical integration for businesses looking to offer financial services. It was founded in 2019 and is based in New York, New York.