Banking-as-a-Service Integration, Done Right
Provider evaluation, integration architecture, and compliance ownership for FinTechs launching banking products through BaaS — designed to survive both customer growth and the next round of regulatory scrutiny.
When to call us
If you recognize yourself below, we can probably help.
Launching a banking product
You are adding debit cards, deposit accounts, or lending — and you do not want to spend two years getting bank-charter conversations to a yes.
BaaS provider evaluation
You have shortlisted Lithic, Marqeta, Treasury Prime, Unit, or one of the others — and need an honest read on which fits your specific product and risk profile.
Compliance ownership is unclear
Your BaaS provider says one thing, your sponsor bank says another, your auditors are asking who owns what. The recent BaaS-bank consent orders make this urgent.
BaaS-to-direct migration
You have outgrown your BaaS provider — economics, control, or reliability — and need to plan a migration to direct sponsor-bank relationships without breaking customers.
What you actually get
- BaaS provider evaluation across card issuing, deposit accounts, lending, and money movement — with a documented decision rationale you can defend in front of investors
- Integration architecture: webhooks, idempotency, ledger reconciliation against the BaaS-side records, drift detection
- KYC/KYB stack selection (Persona, Alloy, Plaid IDV, etc.) integrated with the BaaS provider's own onboarding requirements
- Compliance ownership matrix — who owns BSA/AML monitoring, SAR filing, OFAC screening, dispute handling, fraud loss
- Operational runbooks for sponsor-bank exam preparation, vendor management reviews, and the BSA program policies that auditors actually read
- Migration plan if needed — parallel run, cutover sequencing, customer comms, settlement reconciliation between providers
Named proof
HelloHive
New York, NYProductized core IP into a multi-tenant platform with third-party integrations — the same architectural pattern that BaaS integration requires.
Netspend
Austin, TXShipped a credit-building feature on a mobile banking platform end-to-end in 3.5 months on a regulated payments stack.
How we work
30-min discovery call
What product you are launching, what BaaS conversations you have had so far, and what compliance ownership pattern you are assuming. Honest read on whether BaaS is the right model for your product.
Provider evaluation & architecture
2–3 weeks. We score 3–5 BaaS candidates against your specific requirements, design the integration architecture, and produce the compliance ownership matrix. Output is investor-defensible.
Embedded integration build
We pair with your team on the integration — webhooks, ledger reconciliation, KYC/KYB orchestration — and stay through the first sponsor-bank exam to make sure the operational story holds up.
Frequently asked
BaaS vs direct sponsor bank — which should we choose?
BaaS gets you to market faster (3–6 months vs 12–18) and abstracts a lot of compliance complexity, but you trade unit economics, control, and exam-time exposure. We help you make the call based on product, expected volume, capital available, and how much regulatory ownership you are willing to take on.
Which BaaS providers do you have experience with?
Lithic, Marqeta, Stripe Issuing, Treasury Prime, Unit, Synapse (when relevant historically), and others. We do not have preferred partnerships and pick based on fit, not relationships.
What about the recent BaaS consent orders?
The 2023–2024 wave of consent orders against BaaS sponsor banks (and the resulting tightening) reshaped the operating model. We bake the lessons into the compliance ownership matrix and integration design — so you are not the next FinTech caught flat-footed when your sponsor bank tightens up.
How long does a BaaS integration take?
3–6 months for the core integration is typical for a focused product (e.g. debit card issuing). Add 1–2 months for KYC/KYB integration, 1–2 months for end-to-end exam-readiness on the operational side. Faster is possible at the cost of robustness; we tell you the trade-offs.
Can you help us migrate off our current BaaS?
Yes. We have helped FinTechs evaluate and execute migrations from one BaaS to another, and from BaaS to direct sponsor-bank relationships. The hard parts are usually settlement reconciliation between providers, customer comms, and ledger continuity — all of which we have done before.
Ready to talk?
30 minutes, free, no pitch. We will tell you honestly whether BaaS is the right path for your specific product.