List of the Top 11 Banking as a Service (BaaS) Apps for iPad in 2025

SBS provides a sophisticated, modular, and fully cloud-based core banking system that encompasses deposits, payments, lending, and compliance features. Leveraging advancements in AI and cloud technology, it boasts a resilient and scalable architecture designed for effortless integration. As a Software as a Service (SaaS) offering, it guarantees affordability, enhanced security, and ongoing access to innovative updates without the need for complicated migrations.

Finicity's open banking platform simplifies the integration of your customers' financial data into your application or service. This innovative platform is utilized globally by leading organizations aiming to enhance financial experiences for their clientele. The quality of your experience hinges on the integrity of the data, which has proven reliable in the most challenging markets. With straightforward coding to endpoints, you can test data efficiently and connect seamlessly to Finicity’s open banking infrastructure, ensuring robust API coverage for banks, credit unions, and payroll providers. Our comprehensive suite of APIs makes it convenient to access the essential data required to drive your products forward, offering a streamlined solution for financial integration.

Enhance your business operations by leveraging financial solutions to streamline transactions. Facilitate customer payments effortlessly while automating disbursements to both vendors and employees. Ensure that you always have adequate working capital to support growth and expansion. Razorpay’s Payment Suite provides a versatile selection of products that can be tailored to meet your specific business requirements. This platform stands out as an optimal choice for seamless integration, easy online onboarding, feature exploration, and exceptional performance. With Razorpay Payment pages, establishing a custom-branded online store for payment acceptance is incredibly straightforward. Enjoy the convenience of automated payment receipts, which allow you to receive both international and domestic payments seamlessly. The process of online shopping is simplified, requiring no coding expertise. Effective preparation is essential; utilize Hosted Event Registration to quickly enroll attendees and automatically generate receipts. If you're considering fundraising for a noble cause, Hosted Donations streamlines the process and ensures that 80G receipts are sent out automatically, saving you valuable time and effort. In this way, Razorpay supports not just transactions but also the overall growth and efficiency of your business.

HUBUC serves as a robust embedded financial services platform tailored for non-fintech businesses, particularly in the B2B sector, enabling them to enhance their product offerings, improve client retention, and boost revenue streams. We achieve this through three straightforward methods: - We offer our clients a developer-friendly and powerful technological framework accessible via a single API. - We link our clients with the fintech capabilities of major industry players like VISA and Mastercard, as well as issuing banks and innovative services in foreign exchange, security, and compliance through one unified agreement. - Additionally, we support the implementation process and ensure secure transactions in all 58 markets where we operate, fostering confidence and reliability in every transaction. This comprehensive approach empowers non-financial firms to innovate and thrive in a competitive landscape.

Cybrid provides state-of-the-art payment integration solutions that enhance financial interactions through sophisticated APIs and SDKs. Our platform is meticulously crafted to simplify complex payment processes, including smooth KYC procedures, efficient funds transfers, and prompt settlements. We facilitate access to bank accounts via Plaid and offer various money transfer methods such as ACH, Wire, and RTP, along with Virtual FBO Accounts in both USD and CAD. A standout aspect of Cybrid is our ability to seamlessly integrate cryptocurrency on and offramps, made possible by our Smart Order Router. This feature includes direct connections to Bitcoin (with support for the Lightning Network) and Circle's USDC, encompassing multiple blockchain networks such as Ethereum, Polygon, Solana, and Stellar, which uniquely positions us in the digital currency landscape. Cybrid stands out as the top option for businesses aiming to integrate payment solutions directly into their software, providing a secure, effective, and adaptable approach to financial integrations. Moreover, our commitment to innovation ensures that our clients remain at the forefront of the evolving payment landscape.

Around the world, numerous communities and organizations are increasingly adopting Bitcoin alongside the Lightning network through Galoy, a pioneering open-source banking solution. This initiative contributes not only to the creation of Bitcoin banking frameworks using self-hosted systems but also provides a managed service model referred to as "banking-as-a-service." With the same shared custody model and intuitive Lightning wallet that helped Bitcoin Beach cultivate a robust circular economy, individuals can easily establish their own Bitcoin community banks. The platform capitalizes on existing infrastructure to offer contemporary financial services to anyone with a mobile device and internet connectivity. This is the reason we develop tools that empower various organizations to implement their own Bitcoin-focused banking systems, regardless of their scale or nature. The application streamlines transactions by allowing payments via Bitcoin addresses, Lightning invoices, or distinct usernames, while maintaining a transaction log that monitors users' payment histories. Furthermore, a mobile-optimized map highlights local businesses that accept Lightning payments, enriching the user experience for both consumers and merchants. By merging technological advancements with community requirements, Galoy is ushering in a transformative wave in the realm of digital finance, fostering inclusive economic participation for all.

Rapidly open bank accounts, offer cryptocurrency wallets, process payments, and issue cards for your clients with Solid's extensive and compliant FinTech solutions. This platform can be seamlessly integrated in just minutes, enabling the creation of exceptional user experiences. Through Solid’s Banking as a Service (BaaS), businesses are empowered to design and launch a variety of deposit products, including personal and business checking accounts. It includes a full suite of features from ledgers to statements, ensuring all the fundamental components for enjoyable banking experiences are covered. Solid's Card Issuance and Management system is revolutionary, facilitating the issuance of cards tailored to your customers' needs via a single API. Both physical and virtual cards—credit, debit, and prepaid—are completely managed by Solid. Enhance your customer interactions with a smooth, powerful experience built into your product through Solid's instant account creation API. Moreover, issuing customized physical and virtual cards is quick and straightforward, complete with essential spending controls using Solid's card API, guaranteeing that your clients possess all the resources they require at their disposal. This versatility allows businesses to adapt quickly to ever-changing market demands and provide their customers with innovative financial solutions.

NovoPayment’s API-driven platform delivers swift solutions for digital banking, payment processing, and card services. Whether launching a new business, enhancing your current services, or expanding into new markets, we provide the necessary onboarding, a digital backbone, and local integrations to ensure flexibility. Our offerings include Visa and Mastercard prepaid, debit, and credit solutions, tailored to meet the needs of consumers, small to medium enterprises, and larger corporations. With our intuitive embedded APIs, you can seamlessly introduce both physical and digital card programs supported by a strong issuing framework. Users benefit from real-time management of their digital multi-currency accounts, gaining access to a variety of wholesale foreign exchange rates and service providers within our extensive network. We enable the immediate issuance of both virtual and physical cards, designed to meet the unique demands of open and closed-loop programs. As payment solutions drive the success of thriving businesses, we present a well-rounded array of payment tools that are crucial for navigating the modern digital economy. By leveraging our cutting-edge offerings, you can maintain a competitive edge in the ever-changing financial landscape, ensuring your business adapts and thrives.

Intergiro offers an extensive range of APIs tailored for businesses aiming to optimize their financial processes or upgrade the banking services they provide to clients, thereby promoting growth and flexibility. By concentrating on banking solutions that cater specifically to businesses, Intergiro delivers services including multi-currency accounts, cards, business banking APIs, payment processing, and integrated financial services via its API platform. Clients can utilize SWIFT and SEPA networks to make both domestic and international payments with ease. When sending money abroad, users can save as much as seven times compared to conventional banks, making it an economical choice for global transactions. Furthermore, customers have the capacity to hold and convert multiple currencies in seconds, all while benefiting from low and transparent fees. With foreign exchange services that provide spot pricing and immediate settlements, the risk of unexpected charges is eliminated. The signup and verification process is simple and completed online, removing the necessity to visit physical banking locations. Businesses can seamlessly accept payments in eight or more currencies as though they were operating locally, facilitating swift international growth through multi-currency payment solutions backed by local infrastructure. By acquiring both a EUR IBAN and a multi-currency IBAN, companies can enhance their potential in international trade, significantly boosting their operational efficiency and global reach. In essence, Intergiro's innovative approach empowers businesses to thrive in a competitive landscape.

Green Dot operates as a bank holding company focused on leveraging financial technology to provide modern banking and money transfer services for a broad audience. Through our cutting-edge technology, we enable faster and more efficient electronic transactions and financial management, allowing users to easily spend, send, manage, and save their money with convenience. Our Banking as a Service (BaaS) platform empowers numerous leading consumer and technology firms both in the U.S. and internationally to develop and deploy customized banking and payment solutions tailored to their needs. Founded in 1999 and headquartered in Pasadena, CA, Green Dot has directly assisted over 33 million customers, alongside many more through our banking partners, while primarily operating as a "branchless bank." This transformation not only highlights our dedication to improving financial accessibility but also underscores our role in driving innovation within the banking industry. Our ongoing efforts aim to redefine the banking experience for individuals and businesses alike.

A groundbreaking toolkit that incorporates cryptocurrency for payment innovations has been launched, accessible through a single integration. This solution is transforming the ease of payment transactions in unprecedented ways. It effectively connects the traditional fiat system with the cryptocurrency space. Serving as a smooth gateway for enterprise solutions, this integrated tool, called Widget, allows businesses to accept fiat payments for cryptocurrency transactions effortlessly and without any associated risks. Additionally, it equips neobanks with a way for their clients to manage cryptocurrencies while avoiding the intricate issues of compliance, monitoring, and licensing. For instance, platforms like Twitch leverage the Crypto In&Out solution to efficiently handle subscriber payments and ensure timely fund distribution to streamers. This inventive tool permits online enterprises to accept cryptocurrencies, which can then be automatically converted to fiat currency, or the other way around. As a secure and user-friendly application, it offers capabilities for buying, selling, sending, and storing both fiat and crypto. Beyond its core functions, its flexible features can be integrated into a myriad of other applications and services, significantly enhancing their payment functionalities. Moreover, the growing demand for streamlined payment solutions showcases the increasing need for such innovative technology in today's digital economy.