# Best Banking as a Service (BaaS) Software *By [Nathan Calabrese](https://research.g2.com/insights/author/nathan-calabrese)* Banking as a Service (BaaS) solutions integrate financial products into non-financial service-businesses using APIs. BaaS providers partner with licensed banks, package the partner banks’ products (checking and savings accounts, credit cards, payment processing, etc.) with their own technology and make the bundle available via APIs to their customers. BaaS solutions are often white-labeled or co-branded to allow consistent branding for users. BaaS providers are the tech-enabled middle layer between non-financial services businesses who want to offer financial products and the banks themselves. BaaS solutions work by using financial data APIs to connect to financial data and products and allowing non-financial services companies to embed a variety of financial products within their own solutions. BaaS users, which include fintechs, neobanks, and non-financial services companies like e-commerce organizations, may opt to embed a bank’s existing financial products within their own solutions, or they may use BaaS tools to access the bank’s customers’ financial data and build their own, white labeled financial products. BaaS removes a large portion of the regulatory and compliance challenges that come along with expanding into financial services, freeing up non-financial services businesses to focus on their core business while expanding the breadth of their offerings. BaaS solutions rely on [Financial Data APIs](https://www.g2.com/categories/financial-data-apis) to connect to financial data and embed banking products in non-financial services solutions. To qualify for inclusion in the Banking as a Service (BaaS) category, a product must: - Utilize APIs to connect to financial data - Partner with licensed banks - Embed banking products in non-financial services solutions - Provide users with compliance infrastructure ## Category Overview **Total Products under this Category:** 61 ## Trust & Credibility Stats **Why You Can Trust G2's Software Rankings:** - 30 Analysts and Data Experts - 300+ Authentic Reviews - 61+ Products - Unbiased Rankings G2's software rankings are built on verified user reviews, rigorous moderation, and a consistent research methodology maintained by a team of analysts and data experts. Each product is measured using the same transparent criteria, with no paid placement or vendor influence. While reviews reflect real user experiences, which can be subjective, they offer valuable insight into how software performs in the hands of professionals. Together, these inputs power the G2 Score, a standardized way to compare tools within every category. ## Best Banking as a Service (BaaS) Software At A Glance - **Best Free Software:** [Hydrogen Cards](https://www.g2.com/products/hydrogen-cards/reviews) ## Top-Rated Products (Ranked by G2 Score) ### 1. [Square Instant Transfers](https://www.g2.com/products/square-instant-transfers/reviews) Fast deposits come standard. When you take a payment with Square, you get your money in your bank account in one to two business days. Unlike with many other payment processors, this comes standard—no extra fees required. **Average Rating:** 4.3/5.0 **Total Reviews:** 10 **Seller Details:** - **Seller:** [Block](https://www.g2.com/sellers/block) - **Year Founded:** 2009 - **HQ Location:** Oakland, California - **Twitter:** @Square (310,141 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/joinblock/ (13,211 employees on LinkedIn®) - **Ownership:** NYSE:SQ **Reviewer Demographics:** - **Company Size:** 90% Small-Business, 10% Mid-Market ### 2. [Airapi](https://www.g2.com/products/airapi/reviews) Airapi is: - an API Gateway and End-to-end API Management Platform, including a developer portal to offer your APIs to fintechs and developers - Open Banking Solution, compatible with PSD2, Berlin Group Standarts and Turkish Open Banking Standards - A BaaS Platform, to help banks to offer their services. **Average Rating:** 4.3/5.0 **Total Reviews:** 20 **Seller Details:** - **Seller:** [Architecht](https://www.g2.com/sellers/architecht) - **Year Founded:** 2015 - **HQ Location:** Teknopark İstanbul, TR - **Twitter:** @PowerFactor1 (26 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/architechttr/ (1,999 employees on LinkedIn®) **Reviewer Demographics:** - **Top Industries:** Banking - **Company Size:** 55% Small-Business, 25% Mid-Market ### 3. [SunTec](https://www.g2.com/products/suntec/reviews) SunTec modernizes the strategic revenue layer for enterprises worldwide. Our intelligent, AI-augmented, cloud-native platform powers the entire revenue value chain - pricing, billing, deal and offer management, loyalty, taxation, and e-invoicing - enabling organizations to unlock value, eliminate revenue leakage, and drive personalized growth at scale. At the core of our innovation is SunTec Xelerate, a composable, API-first, cloud-agnostic suite of products designed to serve as a digital revenue layer over legacy systems. Whether deployed on-premise, in private cloud, or via SaaS, it seamlessly integrates with existing infrastructure to accelerate modernization, without disruption. Trusted by over 170 clients across 50+ countries, SunTec supports more than 400 million end-customers and enables agile transformation for leading banks, telecom providers, and travel management companies. SunTec enjoys a global footprint spanning the USA, UK, Germany, UAE, Singapore, Canada, and India. SunTec is redefining how enterprises manage, grow, and future-proof their revenue. Visit www.suntecgroup.com or contact us at marketing@suntecgroup.com to learn more. **Average Rating:** 4.3/5.0 **Total Reviews:** 3 **Seller Details:** - **Seller:** [SunTec Business Solutions](https://www.g2.com/sellers/suntec-business-solutions) - **Year Founded:** 1990 - **HQ Location:** Thiruvananthapuram, IN - **Twitter:** @SunTecGroup (5,156 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/suntec-business-solutions/ (873 employees on LinkedIn®) **Reviewer Demographics:** - **Company Size:** 100% Mid-Market #### Pros & Cons **Pros:** - Ease of Use (2 reviews) - Efficiency (2 reviews) - Engagement (2 reviews) - Real-time Data (2 reviews) - Collaboration (1 reviews) **Cons:** - Inadequate Reporting (2 reviews) - Insufficient Details (2 reviews) - Poor Reporting (2 reviews) - Access Limitations (1 reviews) - Data Accessibility (1 reviews) ### 4. [Treezor](https://www.g2.com/products/treezor/reviews) Your One-stop Shop for Embedded Finance. Outsource all your payment needs to the European Banking-as-a-Service leader! Treezor is an independent provider of outsourcing and white label solutions for electronic payments. Founded in Paris, Treezor owns a European License and is one of the approved suppliers for MasterCard® Prepaid. As an e-money issuer and a payment institution, Treezor is a white label solution dedicated for prepaid cards, e-wallet, marketplaces, crowdfunding and collaborative consumption platforms. With over 50 million transactions processed every year, Treezor is an expert in payments and risk management. More information on www.treezor.com **Average Rating:** 4.0/5.0 **Total Reviews:** 3 **Seller Details:** - **Seller:** [Treezor](https://www.g2.com/sellers/treezor) - **Year Founded:** 2016 - **HQ Location:** Paris, FR - **Twitter:** @TreezorBanking (1,267 Twitter followers) - **LinkedIn® Page:** http://www.linkedin.com/company/treezor (258 employees on LinkedIn®) **Reviewer Demographics:** - **Company Size:** 67% Small-Business, 33% Enterprise ### 5. [Unit](https://www.g2.com/products/unit/reviews) Unit is the leading embedded finance platform helping software companies launch a financial hub that gives customers access to working capital, money management, and accounts payable tools. Unit’s Ready-to-Launch solution is the easiest way to increase retention and earn revenue - with zero build and fully managed risk operations, customer support, and adoption playbooks. Companies like Wix, Bill.com, Honeybook, Relay, and Homebase use Unit to process over $50 billion in transactions annually for almost 2 million end-customers through its banking partners. For more information, visit unit.co. **Average Rating:** 3.5/5.0 **Total Reviews:** 3 **Seller Details:** - **Seller:** [Unit Finance](https://www.g2.com/sellers/unit-finance) - **Year Founded:** 2019 - **HQ Location:** New York, US - **LinkedIn® Page:** https://www.linkedin.com/company/unit-finance (245 employees on LinkedIn®) **Reviewer Demographics:** - **Company Size:** 67% Mid-Market, 33% Small-Business ### 6. [Equals Money](https://www.g2.com/products/equals-money/reviews) Equals Money is a comprehensive financial technology solution designed to simplify money movement for businesses. As an embedded finance provider, Equals Money offers a suite of services that facilitate banking-as-a-service (BaaS), international payments, and spend management, enabling organisations to integrate financial services seamlessly into their existing operations. With over 18 years of experience and a robust infrastructure, Equals Money has established itself as a trusted partner for over 50,000 businesses, managing and moving more than £10 billion globally. The target audience for Equals Money includes businesses of all sizes looking to enhance their financial operations. Whether an SME needs to manage its expenses or a large corporation requires efficient international payment solutions, Equals Money caters to a diverse range of use cases. The platform supports over 60 currencies, offering favourable rates for corporate foreign exchange (FX) and international payments. This capability is particularly beneficial for companies operating in multiple markets, as it allows them to hedge against currency fluctuations\* and streamline their payment processes. One of the standout features of Equals Money is its multi-currency accounts, which come with their own International Bank Account Number (IBAN). This allows businesses to manage over 35 currencies directly, facilitating seamless transactions without the need for currency conversion. The direct connection to major payment networks, including SWIFT and UK Faster Payments, ensures that users can send and receive funds efficiently. Additionally, the platform offers prepaid expense cards,\*\* enabling teams to control spending with real-time transaction data and customisable limits, further enhancing financial oversight. Equals Money also provides spend management software that simplifies employee expense tracking and cash flow management. Managers can gain a comprehensive view of all transactions, issue cards rapidly, and set permissions based on team roles. This level of control not only streamlines monthly reconciliation processes but also integrates with popular accounting software like Xero and Concur® Expense, making it easier for businesses to maintain accurate financial records. Overall, Equals Money stands out in the financial technology landscape by offering a versatile, user-friendly platform that addresses the complex needs of modern businesses. With a commitment to safeguarding customer funds through designated accounts with Tier 1 banks, Equals Money ensures that users can trust their financial operations are secure while benefiting from a wide range of innovative features tailored to enhance their financial management capabilities. \*Equals Money can only offer forward contracts to facilitate payments for goods and services. Once your rate is locked, please be aware that you are committed to that rate regardless of how it moves after booking. \*\*Fees may apply to issue cards. Equals Money accounts are not covered by the Financial Services Compensation Scheme (FSCS). Instead, your money is protected via a safeguarding method in accordance with the Payment Services Regulations/ E-money Regulations. Money is held in specially designated safeguarded bank accounts with Tier 1 banks and is kept separate from company assets. Terms and Conditions apply, please see our product and pricing pages for rates, fees and charges. Please see product FAQs for further queries. **Average Rating:** 4.5/5.0 **Total Reviews:** 193 **Seller Details:** - **Seller:** [Equals Money](https://www.g2.com/sellers/equals-money) - **Company Website:** https://equalsmoney.com/ - **Year Founded:** 2007 - **HQ Location:** London, England - **Twitter:** @equals__money (335 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/equalsmoney/ (386 employees on LinkedIn®) **Reviewer Demographics:** - **Who Uses This:** Director, Operations Manager - **Top Industries:** Non-Profit Organization Management, Education Management - **Company Size:** 74% Small-Business, 25% Mid-Market #### Pros & Cons **Pros:** - Ease of Use (75 reviews) - Customer Support (38 reviews) - Virtual Cards (29 reviews) - Easy Setup (26 reviews) - Setup Ease (21 reviews) **Cons:** - Approval Issues (15 reviews) - Upload Issues (10 reviews) - Card Issues (9 reviews) - Integration Issues (9 reviews) - Authentication Issues (7 reviews) ### 7. [FIS](https://www.g2.com/products/fis/reviews) FIS Core Banking offers agile solutions that integrate seamlessly with our core systems or with others via a componentized architecture. This approach enables community, mid-tier, large and global financial institutions to surround their legacy core platform with components to help them progressively transform their core banking systems. With FIS total banking solutions, institutions can create a truly differentiated customer experience. **Average Rating:** 4.2/5.0 **Total Reviews:** 13 **Seller Details:** - **Seller:** [FIS Global](https://www.g2.com/sellers/fis-global-57ee48f0-f061-468b-9f95-aec60bcbf83f) - **Year Founded:** 1968 - **HQ Location:** Jacksonville, FL - **Twitter:** @FISGlobal (26,525 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/fis/ (46,081 employees on LinkedIn®) - **Ownership:** FIS **Reviewer Demographics:** - **Top Industries:** Banking - **Company Size:** 62% Enterprise, 31% Mid-Market ### 8. [Mambu](https://www.g2.com/products/mambu/reviews) Mambu is a cloud platform designed to let user rapidly build, integrate, launch and service any lending portfolio into any market. SME lenders. **Average Rating:** 3.8/5.0 **Total Reviews:** 2 **Seller Details:** - **Seller:** [Mambu B.V.](https://www.g2.com/sellers/mambu-b-v) - **Year Founded:** 2011 - **HQ Location:** Amsterdam, NL - **Twitter:** @Mambu_com (3,156 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/mambu/ (730 employees on LinkedIn®) **Reviewer Demographics:** - **Company Size:** 100% Mid-Market ### 9. [Ascertain FinTech Platform](https://www.g2.com/products/ascertain-fintech-platform/reviews) Ascertain Technologies is a leading Banking Software Product, Solutions and Service provider in Malaysia. With over 15+ years of experience in the BFSI sector, we empower banks to embrace digital transformation through our cutting-edge fintech solutions. Renowned regional and global banks across South-East Asia trust and rely on Ascertain Fintech Framework to provide market leading and innovative products and services to their customers. **Average Rating:** 5.0/5.0 **Total Reviews:** 1 **Seller Details:** - **Seller:** [Ascertain Technologies](https://www.g2.com/sellers/ascertain-technologies) - **Year Founded:** 2008 - **HQ Location:** Kuala Lumpur, MY - **LinkedIn® Page:** http://www.linkedin.com/company/ascertaintechnologies (40 employees on LinkedIn®) **Reviewer Demographics:** - **Company Size:** 100% Small-Business ### 10. [Business banking, treasury, multi-currency accounts, stablecoins](https://www.g2.com/products/business-banking-treasury-multi-currency-accounts-stablecoins/reviews) Meow is a business banking platform built for companies that move fast and demand more from their money. Through our FDIC-insured partner banks, we offer business checking accounts, zero-fee domestic and international wires, ACH, and checks, stablecoins like USDC and USDT, plus a cashback corporate card with no annual fee. And if that wasn't enough — bookkeeping and tax services as well. Meow supports US-based businesses, crypto and Web3 companies, and internationally-structured entities including Cayman, BVI, Singapore, and UAE-incorporated businesses. Multi-entity management, customizable approval workflows, and seamless integrations with QuickBooks, Rippling, and major payroll platforms make Meow the treasury management system for businesses that have outgrown traditional banking. No monthly fees. No wire fees. No minimums. Just better banking. **Average Rating:** 5.0/5.0 **Total Reviews:** 1 **Seller Details:** - **Seller:** [Meow.com](https://www.g2.com/sellers/meow-com) - **HQ Location:** N/A - **LinkedIn® Page:** https://www.linkedin.com/company/meow/ (1 employees on LinkedIn®) **Reviewer Demographics:** - **Company Size:** 100% Small-Business ### 11. [Finzly](https://www.g2.com/products/finzly/reviews) Finzly BankOS is a digital banking platform and a parallel core. BankOS, fosters innovation on a cloud native, API-first digital core that allow banks to launch modern solutions quikly and to partner with fintechs to offer Banking as a Service **Average Rating:** 4.8/5.0 **Total Reviews:** 2 **Seller Details:** - **Seller:** [Finzly](https://www.g2.com/sellers/finzly) - **Year Founded:** 2012 - **HQ Location:** Charlotte, US - **Twitter:** @finzly (271 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/finzly (241 employees on LinkedIn®) **Reviewer Demographics:** - **Company Size:** 50% Enterprise, 50% Small-Business ### 12. [Hydrogen Cards](https://www.g2.com/products/hydrogen-cards/reviews) Issue physical and virtual debit cards with our fully built and configurable embeddable applications. No lockups, minimums, or other hidden fees. Plus, earn revenue on every swipe! **Average Rating:** 4.5/5.0 **Total Reviews:** 1 **Seller Details:** - **Seller:** [Hydrogen](https://www.g2.com/sellers/hydrogen) - **Year Founded:** 2017 - **HQ Location:** Miami, US - **LinkedIn® Page:** https://www.linkedin.com/company/hydrogenplatform (18 employees on LinkedIn®) **Reviewer Demographics:** - **Company Size:** 100% Small-Business ### 13. [Mastercard Open Banking (formerly Finicity)](https://www.g2.com/products/mastercard-open-banking-formerly-finicity/reviews) Finicity’s open banking platform makes connecting your customers’ financial data to your app or service simple. Finicity’s open banking platform is being used by some of the largest and most innovative organizations in the world to empower their customers with better financial experiences. Data quality is essential to your experience. Our data is battle tested in the most rigorous markets. Easily code to endpoints, test data and connect to Finicity’s open banking platform for leading API coverage of banks, credit unions, payroll providers and other financial services. Our suite of APIs makes it easy to access the data you need to power your products. **Average Rating:** 3.7/5.0 **Total Reviews:** 9 **Seller Details:** - **Seller:** [Mastercard](https://www.g2.com/sellers/mastercard) - **Year Founded:** 1966 - **HQ Location:** Purchase, NY - **Twitter:** @Mastercard (487,988 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/mastercard/ (47,338 employees on LinkedIn®) - **Ownership:** NYSE - New York Stock Exchange **Reviewer Demographics:** - **Company Size:** 78% Small-Business, 22% Mid-Market #### Pros & Cons **Pros:** - Ease of Use (2 reviews) - API Usability (1 reviews) - Easy Setup (1 reviews) - Features (1 reviews) - Integrations (1 reviews) **Cons:** - Delays in Process (1 reviews) ### 14. [ObjectWay SpA](https://www.g2.com/products/objectway-spa/reviews) Objectway is a Top-100 global FinTech provider in the Banking, Wealth & Investment Management Software Industry. Our omni-channel and omni-device solutions support the digital transformation of banks, wealth and investment management business. The award-winning software platform is the trusted choice of leading wealth and investment firms across the globe - from EMEA to Canada to Central America. In 2017 Objectway won the "Best Performance" SDA Bocconi award , and "Best Front Office Solutions" Wealth Briefing European Awards. Since 2018, our leadership has been recognised by being included in the top 100 ITC Fintech Rankings by IDC Financial Insights. In 2019 IBS Intelligence Sales League Table recognised us as #1 Leader in Private Banking Systems. For three consecutive years, 2019, 2020 and 2021 we were crowned as “Best Wealth Management Solution” by Goodacre UK. We have been selected by FinTech Global for the WealthTech100 for four consecutive years, from 2019 to 2022. From offices in Italy, UK, Benelux, Ireland, Germany, Switzerland and UAE Objectway’s 800+ employees support more than 100,000 investment professionals in 10+ countries and 4 continents, who manage more than one trillion euros in assets. For more than 30 years, we have kept our focus on a single vision: constantly innovate, simplify and accelerate the digital transformation, empowering our clients to embrace their future challenges while providing great performance today. **Average Rating:** 5.0/5.0 **Total Reviews:** 1 **Seller Details:** - **Seller:** [Objectway](https://www.g2.com/sellers/objectway) - **HQ Location:** Milan, Lombardy, Italy - **LinkedIn® Page:** https://www.linkedin.com/company/objectway (702 employees on LinkedIn®) **Reviewer Demographics:** - **Company Size:** 100% Mid-Market ### 15. [Stitch](https://www.g2.com/products/stitch-2025-07-15/reviews) Stitch is the unified platform that helps you build, launch, and scale financial products. Whether you’re storing, moving, or lending money, Stitch lets you launch faster, simpler, and more cost-effectively. **Average Rating:** 4.5/5.0 **Total Reviews:** 2 **Seller Details:** - **Seller:** [Stitch](https://www.g2.com/sellers/stitch-06510d1b-6a61-460f-93ff-6cc0a1efba3b) - **Year Founded:** 2021 - **HQ Location:** Riyadh, SA - **LinkedIn® Page:** https://www.linkedin.com/company/stitchmea/ (29 employees on LinkedIn®) **Reviewer Demographics:** - **Company Size:** 100% Small-Business ### 16. [Synctera](https://www.g2.com/products/synctera/reviews) We're closing the gap between community banks and FinTechs. Empowering you with fast, secure, and scalable partnership banking solutions, we tear down integration complexity and build bridges. We're here to guide all parties through the onboarding process and beyond, forging transactional relationships based on trust. **Average Rating:** 3.0/5.0 **Total Reviews:** 1 **Seller Details:** - **Seller:** [Synctera](https://www.g2.com/sellers/synctera) - **Year Founded:** 2020 - **HQ Location:** San Francisco, US - **LinkedIn® Page:** https://www.linkedin.com/company/synctera (95 employees on LinkedIn®) **Reviewer Demographics:** - **Company Size:** 100% Small-Business ### 17. [Weavr](https://www.g2.com/products/weavr/reviews) Weavr provides Plug-and-Play financial services to innovators who are not just building a business. They’re changing the game. Up until now, adding financial services exactly where and when your customers need them has been tricky. Our ready-made, Plug-and-Play financial services mean you can pick and package based on the needs of your customers then seamlessly embed them into your application. We also offer the ability to create unlimited solutions tailor-made to your business needs. **Average Rating:** 5.0/5.0 **Total Reviews:** 1 **Seller Details:** - **Seller:** [Weavr](https://www.g2.com/sellers/weavr) - **Year Founded:** 2018 - **HQ Location:** London, GB - **LinkedIn® Page:** https://www.linkedin.com/company/weavrpayments/ (86 employees on LinkedIn®) **Reviewer Demographics:** - **Company Size:** 50% Mid-Market, 50% Enterprise ### 18. [Youtap](https://www.g2.com/products/youtap/reviews) Youtap Digital Banking is a comprehensive, cloud-native platform designed to empower banks, fintechs, and financial service providers to deliver secure, real-time digital banking solutions across mobile, web, and point-of-sale channels. By integrating seamlessly with existing core banking systems or operating as a standalone solution, Youtap enables institutions to offer a wide array of financial services, enhancing customer engagement and operational efficiency. Key Features and Functionality: - White-Label Applications: Customizable consumer and business banking apps that allow institutions to brand and tailor the user experience to their specific needs. - Digital Onboarding and eKYC: Streamlined electronic Know Your Customer processes facilitate quick and secure account openings, reducing the need for physical branch visits. - Multi-Currency Accounts: Support for various account types, including everyday, savings, and loan accounts, accommodating diverse customer requirements. - Instant Payments and Transfers: Real-time processing of person-to-person transfers, bill payments, and remittances, ensuring swift and efficient transactions. - Integrated Lending and Loan Management: Tools for credit assessment, loan origination, and management, enabling services like micro-lending and buy now, pay later options. - AI-Powered Financial Insights: Artificial intelligence capabilities that analyze customer behavior to offer personalized financial advice and product recommendations. - Comprehensive Security Measures: Advanced encryption, secure login protocols, and compliance with KYC and AML regulations to protect customer information and mitigate fraud risks. Primary Value and User Solutions: Youtap Digital Banking addresses the growing demand for accessible, efficient, and secure financial services by providing a scalable platform that reduces reliance on physical branches and promotes self-service banking. Its customizable nature allows financial institutions to tailor products and services to individual customer preferences, enhancing engagement and satisfaction. By integrating advanced security measures and AI-driven insights, Youtap ensures a safe and personalized banking experience, empowering users to manage their finances effectively and confidently. **Average Rating:** 4.0/5.0 **Total Reviews:** 6 **Seller Details:** - **Seller:** [Youtap Limited](https://www.g2.com/sellers/youtap-limited) - **Year Founded:** 2007 - **HQ Location:** Auckland, NZ - **LinkedIn® Page:** https://www.linkedin.com/company/youtap-limited/ (71 employees on LinkedIn®) **Reviewer Demographics:** - **Company Size:** 67% Small-Business, 33% Mid-Market ### 19. [Advapay](https://www.g2.com/products/advapay/reviews) Macrobank is a powerful Core Banking and Crypto-Fiat Wallet Software developed by Advapay to help fintech companies, payment institutions, and crypto businesses launch and scale modern financial services. The platform provides a flexible infrastructure for companies that need to manage digital banking operations, payment processing, and crypto-fiat transactions within a single unified system. Designed for fintech startups, payment providers, EMI and PI institutions, and crypto platforms, Macrobank combines Core Banking capabilities with a robust wallet and payments engine. The platform enables businesses to manage client accounts, multi-currency wallets, transactions, compliance processes, and integrations with banks and financial institutions. Macrobank provides a complete front-to-back financial infrastructure. The system includes a powerful back-office engine for operational management, transaction processing, compliance monitoring, and financial accounting. At the same time, it offers ready-to-use front-end applications, including white-label web banking and mobile banking apps. This allows financial institutions and fintech companies to deliver a full digital banking experience under their own brand. The platform supports a wide range of financial operations, including IBAN account management, payment processing, digital wallets, and embedded crypto functionality. Companies can offer both fiat and cryptocurrency services, making the platform suitable for businesses operating in both traditional finance and digital assets. Macrobank also includes advanced modules such as a general ledger and chart of accounts, transaction monitoring, customer onboarding, and integrations with AML and KYC providers. Its modular architecture allows companies to customise and configure the platform according to their business model, regulatory requirements, and operational workflows. The system offers seamless API-based integrations with banks, payment systems, card providers, and external compliance tools. This enables fintech companies to quickly build scalable payment infrastructure and launch new financial products with reduced time to market. Macrobank is offered with flexible deployment and payment options. Companies can choose between SaaS deployment, a software license, or buy source codes. The platform is available through both monthly subscription models and one-time license fees, allowing businesses to select the option that best fits their operational and financial strategy. With its combination of Core Banking software, crypto-fiat wallet functionality, and payment infrastructure tools, Macrobank supports fintech and crypto companies that aim to build reliable, scalable, and compliant financial services in the global digital economy. **Seller Details:** - **Seller:** [ADVAPAY OÜ](https://www.g2.com/sellers/advapay-ou) - **Year Founded:** 2015 - **HQ Location:** Tallinn, EE - **Twitter:** @advapay_eu (59 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/advapay/ (37 employees on LinkedIn®) ### 20. [Anankai Digital Wallet](https://www.g2.com/products/anankai-digital-wallet/reviews) AnankAI Digital Wallet: A secure, user-friendly wallet that lets banks, fintechs, and businesses store, send, and receive digital payments seamlessly. With AI insights and built-in compliance, it delivers a fast, trusted, and scalable payment experience. **Seller Details:** - **Seller:** [Anankai](https://www.g2.com/sellers/anankai) - **Year Founded:** 2014 - **HQ Location:** Hayes, GB - **LinkedIn® Page:** https://www.linkedin.com/company/cfszipptech/ (6 employees on LinkedIn®) ### 21. [Azentio iMAL Islamic banking](https://www.g2.com/products/azentio-imal-islamic-banking/reviews) Azentio iMAL Islamic banking is an AAOIFI-certified, Shari’ah-compliant core banking platform designed to support Islamic retail, corporate, treasury, trade finance, and investment operations. The solution offers a fully integrated front-to-back architecture that is scalable, cloud-ready, and supports both on-premises deployment and low-code customization, and omni-channel banking. It includes built-in regulatory compliance features, real-time processing capabilities, and has been implemented across financial institutions in more than 36 countries. iMAL enables Islamic banks to improve operational efficiency, ensure Shari’ah compliance, and deliver consistent and ethical financial services. **Seller Details:** - **Seller:** [Azentio](https://www.g2.com/sellers/azentio) - **Year Founded:** 2020 - **HQ Location:** Singapore - **LinkedIn® Page:** https://www.linkedin.com/company/azentio (1,936 employees on LinkedIn®) - **Ownership:** Private - **Phone:** +65 68 081 600 ### 22. [BANKSapi](https://www.g2.com/products/banksapi/reviews) We connect you to millions of bank accounts to streamline processes and provide turnkey insights and value - with 1 API. We develop and operate REST-APIs and GUIs all around the topic of finance. As a specialised connectivity and payment provider, we are fully dedicated to the growth areas of Open Banking and Open Finance. To make this possible, we provide account information services and offer payment initiation services on our regulated and secure platform as a payment institution approved by the German authorities (BaFin). Due to our advanced, AI-based data analytics, we offer high-performance value-added services for a wide range of use cases (e.g. contract recognition, age verification, KYC light based on account data or affordability checks). In addition, we realise and operate your personal finance or business finance application as a web portal or mobile app cost-effectively with our front-end technology platform. With our SaaS and ASP solutions, we maximally reduce complexity for our clients from a multitude of industries (e.g. insurance companies, ERP & accounting, financial advisory) and enable new use cases and business models for them. **Seller Details:** - **Seller:** [fineconomy](https://www.g2.com/sellers/fineconomy) - **Year Founded:** 2017 - **HQ Location:** München, DE - **LinkedIn® Page:** http://www.linkedin.com/company/finconomy-ag (7 employees on LinkedIn®) ### 23. [Bond](https://www.g2.com/products/bond-financial-technologies-bond/reviews) Enterprise-grade embedded credit platform enabling digital brands to offer financial solutions to their end users. **Seller Details:** - **Seller:** [Bond Financial Technologies](https://www.g2.com/sellers/bond-financial-technologies) - **Year Founded:** 2019 - **HQ Location:** San Francisco, US - **LinkedIn® Page:** https://www.linkedin.com/company/bondfintech/ (31 employees on LinkedIn®) ### 24. [Boxed](https://www.g2.com/products/boxed/reviews) Our embedded finance platform enables you to seamlessly offer financial solutions to your customers, securely and at scale. Backed by NatWest, we offer a range of financial solutions. Our end-to-end approach will take care of everything else, from compliance to resilient support for your customers. **Seller Details:** - **Seller:** [NatWest Boxed](https://www.g2.com/sellers/natwest-boxed) - **Year Founded:** 2022 - **HQ Location:** London, GB - **LinkedIn® Page:** https://www.linkedin.com/company/natwest-boxed (411 employees on LinkedIn®) ### 25. [CapitalOS](https://www.g2.com/products/capitalos/reviews) CapitalOS provides the capital and takes on the underwriting risk. Your platform is not financially responsible for your businesses' transactions. plus sign. **Average Rating:** 4.5/5.0 **Total Reviews:** 1 **Seller Details:** - **Seller:** [CapitalOS](https://www.g2.com/sellers/capitalos) - **Year Founded:** 2022 - **HQ Location:** San Francisco Bay Area, US - **Twitter:** @CapitalOSInc (38 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/capitalos/ (15 employees on LinkedIn®) **Reviewer Demographics:** - **Company Size:** 100% Small-Business ## Parent Category [Financial Services Software](https://www.g2.com/categories/financial-services)