BaaS partner bank relationships fail — 10+ fintechs lost banking partners in 2024 alone. Single BaaS provider dependency creates existential risk. Switching BaaS providers takes 6–12 months. Each BaaS API is different requiring unique integrations. Compliance requirements vary by partner bank.
BaaS orchestration layer that provides a single API across multiple partner bank relationships, enables instant failover between providers, normalizes compliance requirements, and eliminates single-provider dependency risk.
Fintechs building banking products needing multi-bank redundancy, SaaS platforms adding embedded banking features, and neobanks wanting to launch without direct bank partnerships
BaaS partner bank failures proved single-provider risk is existential. OCC and FDIC increasing scrutiny of bank-fintech relationships. Multi-provider resilience is now a board-level concern. The BaaS market needs an orchestration layer.
Per-account: $2–$5/account/mo (markup on BaaS provider cost). Platform: $999/mo (up to 1K accounts), $2,499/mo (10K accounts), $4,999/mo (50K + dedicated support). Revenue share on float.
Single point of failure. 12+ months to establish, 6–12 months to switch
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