Top Banking as a Service Companies in 2025

Banks are no longer the only source of access to payment solutions, lending or e-wallets. The responsibility for this is increasingly falling to BaaS platforms, as they provide the essential infrastructure for launching financial products. Previously, creating a regular bank or payment system required years. Actually years. Today, all you need is an API, a connection – and you are ready to enter the market. Instead of reinventing the wheel, companies are finally getting on a ready-made bike and just riding. The Ready-made Company in Swiss format is especially helpful here – these are already formalized structures with financial licenses that allow for a launch without bureaucracy. And for those who want to start something new, a clean slate, the Company formation in Switzerland option remains a proven model – the country guarantees stability, regulatory clarity and high trust from partners. ELI Swiss is a partner for both approaches – both in cases with ready-made structures and when registering new ones. We don’t just put a stamp – we build a full-fledged infrastructure taking into account the needs of the market. But who is really setting the pace in the BaaS field today?

Who is shaping the market: key players in 2025

One of the flagships in this industry is Solarisbank. It is a cool option for those who want their case to be quick and legal. Thanks to the modular architecture, companies can easily combine services – from opening accounts to lending – under their own brand. Another notable player is Bankable. They provide tools for building their own payment systems. Next comes Mambu, of German origin, which has become a hub for BNPL, digital deposits and the latest financial products. Railsr (formerly Railsbank) presents you with this option, where the user doesn’t even notice that they’re dealing with a bank — everything is seamlessly integrated into the service’s digital shell. So easy, isn’t it? Treezor. This is what France offers – its major player in the European financial market. It provides deep integration with SEPA — an ideal option for those targeting the EU market and needing fast and reliable solutions.

Perspective companies and new technologies

In addition to the already recognized market leaders, new players are entering the arena, quickly gaining attention thanks to innovative solutions and a flexible approach to things. These do not just follow trends – they shape them. In 2025, it is these BaaS platforms that are changing the idea of what banking of the future should look like: transparent, flexible and technology-oriented. It is worth paying attention to the following promising projects:

– Crassula is a cryptocurrency bank launch solution, ideal for white-label models;

– Unlimit — offers everything from payment processing to card issuance for small and medium-sized businesses;

– ClearBank — the first British clearing bank of the new generation, focused on open banking;

– Griffin — a BaaS company with the status of a bank in the UK, offering comprehensive API products;

– 10x Banking — platform, that allows you to scale banking services almost without restrictions;

– Green Dot — BaaS from the USA, focuses on corporate solutions, payroll, card products.

How to choose your BaaS partner?

Before diving into the world of finance, it is worth clearly understanding a few important things. You need to introduce yourself to:

1. Regulatory status.

The provider has to have a banking or EMI license, without this, legal work within the financial market is practically impossible.

2. Scalability – how easy it will be to expand the product.

It is essential that the system can adapt to business growth without significant expenditure of time or resources. Flexible architecture allows you to quickly add new functions, currencies or service regions.

3. Technical integration.

Ready-made SDKs, documentation, developer support – all this allows you to reduce time to market and avoid unnecessary costs.

4. Jurisdiction.

If you need an instant start – you should consider Ready-made Company in Swiss. It’s fast, without unnecessary permissions. If you need a structure adapted to the specifics of the product – then Company formation in Switzerland is suitable. We have already mentioned all this earlier.

At each of these stages, ELI Swiss can become your navigator in the twilight. We create connections with platforms, help with integration, advise on how to stay within the legal framework.

Summary

Not long ago, the integration of payment instruments was a nightmare even for tech companies. Today, it is a strategic advantage that can give a strong leap forward that is difficult for competitors to catch up with. BaaS. This is something completely new and more profitable than ever. With the help of ELI Swiss, you get not only a legal basis, but also a partnership with a team that looks to the future. If you need to not just enter the market, but to take a stable place there, we know how to do it and we will help you with every step.