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BaaS enablement on your terms

Assemble a BaaS stack with our core, onboarding, and compliance modules. You control partners, flows, and branding.

Key Features

Multi‑Tenant Ready

ISO 20022 (e.g., SEPA SCT, SCT Inst, SDD Core, SDD B2B), SWIFT mapping options.

Product Factory

Bank statement ingestion, matching rules, and GL export templates.

Payments Orchestration

Immutable logs, operational dashboards, and regulatory‑aligned reports.

Compliance‑in‑the‑Loop

Double‑entry, event‑sourced postings, idempotency keys, and full reversals.

Operator Console

Current, e‑money, pooled, and sub‑accounts with configurable fees and limits.

Use Cases

  • Fintechs partnering with licensed banks or EMIs.
  • EMIs launching new programs for corporate, SME, or consumer segments.
  • Platforms embedding accounts, payments, and cards via sponsor relationships.

Note: Modular Fintech is a software provider. Regulated activities must be performed by duly licensed institutions or partners.

Onboarding
Compliance
Risk Scoring