What BaaS Means
Banking-as-a-Service is the delivery of regulated banking capabilities — accounts, cards, payments, deposits, lending — through APIs, so non-bank companies can offer them under their own brand.
How It Works
A licensed bank (or a regulated platform like Payomatix) provides the underlying licenses, ledger, and connectivity. The brand provides the UX, distribution, and customer relationship.
What You Can Build
Why It Matters
BaaS turns finance into a feature — every SaaS, marketplace, and vertical platform can now offer banking products without becoming a bank.