Banking-as-a-Service (BaaS)
Build financial services into your platform with Demivolt
Integrate business payment accounts, dedicated IBANs, payments, card capabilities, collections and payouts into your product using Demivolt's regulated infrastructure.
- Embedded accounts
- Payment infrastructure
- Card capabilities
- Programme oversight
Built around your platform
Regulated infrastructure for the financial services you want to offer
Demivolt's Banking-as-a-Service infrastructure helps fintechs, platforms and service providers add financial capabilities without building the full regulated and operational stack themselves.
Choose the services that fit your product and customer journey, while Demivolt supports the regulated infrastructure, operational controls and ongoing oversight behind them.
Flexible by design
Built for different business models
Whether you serve businesses, consumers or other platforms, Demivolt supplies the regulated layer underneath your product — so you can embed financial features without becoming an institution yourself.
B2B
Embed payment accounts, payments or card capabilities into a platform serving business customers.
C2B
Support customer-to-business payment flows for platforms, marketplaces and merchants receiving payments from end users.
B2B2B
Use Demivolt infrastructure to provide financial capabilities to businesses through your own platform or service.
B2B2C
Integrate accounts, payments or cards into a product designed for end consumers, supported by Demivolt's regulated infrastructure.
BaaS capabilities
Embedded business payment accounts
Integrate business payment accounts and dedicated IBANs into your platform, supported by permissions, account visibility and an approved customer journey. The account structure can be designed around your business model, customer types and operational requirements.
SEPA, T2 and international payments
Add euro payments through SEPA and T2-supported infrastructure, together with SWIFT-supported routes for international payment needs. Payment capabilities can be integrated into your platform so customers can manage supported transfers within your existing product experience.
Card programme infrastructure
Add physical or virtual card capabilities to your platform through a structured card programme supported by Demivolt, with BIN sponsorship, programme governance and regulated oversight, and issuing and processing support delivered through approved technology partners.
Collections and payouts
Build collection and payout flows for marketplaces, platforms and other businesses that need to receive, hold or distribute funds. Demivolt helps structure the payment flow, account setup, reconciliation approach and required controls.
Currency and FX support
Support multi-currency requirements, currency exchange and international payment flows for businesses operating across different markets, helping your platform serve customers with more complex payment and currency needs.
Platform integration and orchestration
Bring accounts, payments, cards and related services into one coordinated operating model. Demivolt works with your team and approved providers to define integrations, customer journeys, operational processes and programme requirements.
Built for ongoing operation
Launching financial capabilities is only the beginning. They also need reliable operations, compliance controls, monitoring and oversight as customer numbers and payment volumes grow.
Demivolt helps establish clear product flows, responsibilities and controls from the start, supporting your platform throughout launch and ongoing operation.
Looking to offer Demivolt-powered services under your own brand or work through an agency or programme partner model?
Explore Partner, Agency & White-Label ModelsFAQ
Product FAQ
Banking-as-a-Service, or BaaS, allows companies to integrate regulated financial capabilities into their own products or platforms.
Through Demivolt, this can include business payment accounts, dedicated IBANs, payments, card capabilities, collections, payouts and currency services.
Demivolt's BaaS is built for fintechs, platforms, marketplaces, programme managers and service providers that want to add financial capabilities to their existing products.
It may be a good fit where your company needs regulated payment infrastructure without building and operating the full financial stack alone.
Depending on the approved programme structure, you can integrate business payment accounts, dedicated IBANs, SEPA payments, T2-supported euro payments, SWIFT-supported international routes, cards, collections, payouts and currency services.
The final setup is built around your business model, customer journey, payment flows and operational requirements.
Demivolt provides the regulatory and oversight framework for the services it delivers, while responsibilities are clearly allocated between Demivolt, the platform and any approved providers.
This can include customer due diligence, onboarding controls, sanctions screening, transaction monitoring, reporting and ongoing programme oversight.
BaaS provides the underlying account, payment, card and compliance infrastructure that can be integrated into your platform.
White-label describes how approved services are presented and operated through your customer-facing brand under an agreed partnership model.
Explore more solutions from Demivolt
Explore the rest of the suite
Business accounts
Business accounts, dedicated IBANs, payments, cards and currency for companies working directly with Demivolt.
Learn morePayments
SEPA, international transfers, collections, payouts and payment infrastructure for businesses and platforms.
Learn moreCard programmes
Launch, manage or scale card products — Visa programme structures, BIN sponsorship and issuing support.
Learn moreCompliance services
Practical compliance support for onboarding, monitoring, policies, training and regulatory readiness.
Learn moreBanking-as-a-Service (BaaS)
Embedded accounts, payments, cards and financial infrastructure for platforms and fintechs.
You're herePartner, Agency & White-Label Models
Agency, white-label and programme partner models for companies that want to operate or brand Demivolt-powered services.
Learn moreReady to build with Demivolt?
Speak with our team about your platform, customers and the financial capabilities you want to integrate.