# Best Banking as a Service (BaaS) Software - Page 2

## How Many Banking as a Service (BaaS) Software Products Does G2 Track?

**Total Products under this Category:** 63

### Category Stats (Jul 2026)

- **Average Rating:** 4.29/5 The average rating of products in this category, based on all submitted ratings

_Last updated: July 25, 2026_

## How Does G2 Rank Banking as a Service (BaaS) Software Products?

**Why You Can Trust G2's Software Rankings:**

- 30 Analysts and Data Experts
- 300+ Authentic Reviews
- 63+ 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.

### [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

#### Who Is the Company Behind Synctera?

- **Seller:** [Synctera](https://www.g2.com/sellers/synctera)
- **Year Founded:** 2020
- **HQ Location:** San Francisco, US
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=194615ac6c62941f638a6e7b0fd5ebb71a6220675388f7673972056b78c22a99&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fsynctera&secure%5Burl_type%5D=linkedin_company_website)  
95 employees on LinkedIn®

#### Who Uses This Product?

- **Company Size:** 100% Small

### [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

#### Who Is the Company Behind Weavr?

- **Seller:** [Weavr](https://www.g2.com/sellers/weavr)
- **Year Founded:** 2018
- **HQ Location:** London, GB
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=7c7b7df9202b9fb2930b7ee2873ebe5f09d7562e23cc6c01643a7843a149bd59&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fweavrpayments%2F&secure%5Burl_type%5D=linkedin_company_website)  
86 employees on LinkedIn®

#### Who Uses This Product?

- **Company Size:** 50% Medium, 50% Large

#### What Are Recent G2 Reviews of Weavr?

**["Excellent Experience in Weavr"](https://www.g2.com/survey_responses/weavr-review-9763309)**

**Rating:** 5.0/5.0 stars

_— Riya k._

[Read full review](https://www.g2.com/survey_responses/weavr-review-9763309)

**["Secure banking in multiple currencies"](https://www.g2.com/survey_responses/weavr-review-11712618)**

**Rating:** 5.0/5.0 stars

_— Udaram P._

[Read full review](https://www.g2.com/survey_responses/weavr-review-11712618)

### [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

#### Who Is the Company Behind Youtap?

- **Seller:** [Youtap Limited](https://www.g2.com/sellers/youtap-limited)
- **Year Founded:** 2007
- **HQ Location:** Auckland, NZ
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=becc8c091241d1ae9201b733cfb4e767b518881388c5696cc59de548e5054ed2&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fyoutap-limited%2F&secure%5Burl_type%5D=linkedin_company_website)  
71 employees on LinkedIn®

#### Who Uses This Product?

- **Company Size:** 67% Small, 33% Medium

#### What Are Recent G2 Reviews of Youtap?

**["Reliable and Easy-to-Use Mobile Payment Platform for Small Businesses"](https://www.g2.com/survey_responses/youtap-review-8239309)**

**Rating:** 4.5/5.0 stars

_— MOHAMMAD S._

[Read full review](https://www.g2.com/survey_responses/youtap-review-8239309)

**[""Unveiling the Youtap Experience: A Comprehensive Review""](https://www.g2.com/survey_responses/youtap-review-9370696)**

**Rating:** 4.0/5.0 stars

_— Kajal K._

[Read full review](https://www.g2.com/survey_responses/youtap-review-9370696)

### [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.

#### Who Is the Company Behind Advapay?

- **Seller:** [ADVAPAY OÜ](https://www.g2.com/sellers/advapay-ou)
- **Year Founded:** 2015
- **HQ Location:** Tallinn, EE
- **Twitter:** @advapay\_eu  
64 Twitter followers
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=5d16582793347efa0192810fd3551446f90e00fb93f74ac2d7a71262ca6a13a3&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fadvapay%2F&secure%5Burl_type%5D=linkedin_company_website)  
37 employees on LinkedIn®

### [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.

#### Who Is the Company Behind Anankai Digital Wallet?

- **Seller:** [Anankai](https://www.g2.com/sellers/anankai)
- **Year Founded:** 2014
- **HQ Location:** Hayes, GB
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=ffca7ffce711dc1b02e6fd144f099f635440956a46474d16ee4e35d0843c6d2c&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fcfszipptech%2F&secure%5Burl_type%5D=linkedin_company_website)  
6 employees on LinkedIn®

### [Artha Fintech Infrastructure Platform](https://www.g2.com/products/artha-fintech-infrastructure-platform/reviews)

Artha Fintech Infrastructure Platform is a white-label fintech platform that provides wallets, payments, card issuing, Banking-as-a-Service (BaaS), embedded finance, crypto card programs, on/off-ramp solutions, and KYC/KYB capabilities. It helps fintechs, enterprises, startups, and Web3 businesses launch and manage financial products.

#### Who Is the Company Behind Artha Fintech Infrastructure Platform?

- **Seller:** [Artha Fintech](https://www.g2.com/sellers/artha-fintech)
- **Year Founded:** 2024
- **HQ Location:** CT Hub, SG
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=cc313e9f17eb71db9fe0c57a7c182ee6c7c109f22806869cf6a7ffbf83b6d9d7&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fartha-fintech-pte-ltd%2F&secure%5Burl_type%5D=linkedin_company_website)  
27 employees on LinkedIn®

### [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.

#### Who Is the Company Behind Azentio iMAL Islamic banking?

- **Seller:** [Azentio](https://www.g2.com/sellers/azentio)
- **Year Founded:** 2020
- **HQ Location:** Singapore
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=0017df4b9f24a67720ee0d992e30d9bbf3da794e9f4661800ccd7353719b2213&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fazentio&secure%5Burl_type%5D=linkedin_company_website)  
1,932 employees on LinkedIn®
- **Ownership:** Private
- **Phone:** +65 68 081 600

### [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.

#### Who Is the Company Behind BANKSapi?

- **Seller:** [fineconomy](https://www.g2.com/sellers/fineconomy)
- **Year Founded:** 2017
- **HQ Location:** München, DE
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=b93b2e61da7ee6eface7a9e2a645bf37867393153d83e00505b080ea01101e2a&secure%5Burl%5D=http%3A%2F%2Fwww.linkedin.com%2Fcompany%2Ffinconomy-ag&secure%5Burl_type%5D=linkedin_company_website)  
7 employees on LinkedIn®

### [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.

#### Who Is the Company Behind Bond?

- **Seller:** [Bond Financial Technologies](https://www.g2.com/sellers/bond-financial-technologies)
- **Year Founded:** 2019
- **HQ Location:** San Francisco, US
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=cea2c3c5ce50b9da9f90113258781b83dfd5eaa3bacbb542e6465048d2d24bb0&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fbondfintech%2F&secure%5Burl_type%5D=linkedin_company_website)  
31 employees on LinkedIn®

### [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.

#### Who Is the Company Behind Boxed?

- **Seller:** [NatWest Boxed](https://www.g2.com/sellers/natwest-boxed)
- **Year Founded:** 2022
- **HQ Location:** London, GB
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=effdef99b27e219db5ca2c386eb54db4239dc03012f2391c1d3fbb2dfb030aa8&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fnatwest-boxed&secure%5Burl_type%5D=linkedin_company_website)  
411 employees on LinkedIn®

### [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

#### Who Is the Company Behind CapitalOS?

- **Seller:** [CapitalOS](https://www.g2.com/sellers/capitalos)
- **Year Founded:** 2022
- **HQ Location:** San Francisco Bay Area, US
- **Twitter:** @CapitalOSInc  
37 Twitter followers
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=a2bdd3235f31df94af0b36fe33031752879b20108c93a07d9c6f3191ddcad217&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fcapitalos%2F&secure%5Burl_type%5D=linkedin_company_website)  
15 employees on LinkedIn®

#### Who Uses This Product?

- **Company Size:** 100% Small

#### What Are Recent G2 Reviews of CapitalOS?

**["Best Business Tool for startups"](https://www.g2.com/survey_responses/capitalos-review-10734483)**

**Rating:** 4.5/5.0 stars

_— vashu s._

[Read full review](https://www.g2.com/survey_responses/capitalos-review-10734483)

### [Cegid Exabanque](https://www.g2.com/products/cegid-exabanque/reviews)

Cegid Exabanque meets your needs for payment, collection, treasury and accounting reconciliation management. It is aimed at all companies and organizations with accounts domiciled in Europe.

#### Who Is the Company Behind Cegid Exabanque?

- **Seller:** [Cegid](https://www.g2.com/sellers/cegid)
- **Year Founded:** 1983
- **HQ Location:** Lyon
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=09f1bb963a6a56df06c92053ca185ed8d6ae507d42b714fc6057baf105babc3b&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fshowcase%2Fcegid-retail%2F&secure%5Burl_type%5D=linkedin_company_website)  
1 employees on LinkedIn®

### [CreditSnap](https://www.g2.com/products/creditsnap/reviews)

CreditSnap is a fintech platform designed to provide end-to-end digital solutions for banks and credit unions, specializing in lending and deposit account opening. The platform includes features such as: 1. Pre-qualification: Helping users understand eligibility before applying. 2. Intelligent cross-sell engine: A system that promotes relevant products to 3. customers based on their profiles and behaviors. 3. Configurable automation: Customizable workflows that adapt to the needs of the institution, streamlining operations. 4. Integrations: Connecting with over 63 third-party technologies, offering a wide range of capabilities and flexibility. CreditSnap supports consumer lending, consumer deposits, business lending, and business deposits, across all customer touch points, including digital, branch, and phone channels. It is built to scale, having processed over 3.2 million applications by December 2024, demonstrating both its product maturity and ability to handle large volumes of transactions. Founded by industry veterans, CreditSnap has successfully fueled growth for several credit unions, solidifying its position as a robust and reliable solution in the fintech space. Use cases: 1. Online Loan Applications & Originations - A digital experience for originating and refinancing loans. They provide solutions specifically for loan account origination, focusing on accelerating loan production and simplifying the application process. 2. Loan Origination System (Retail) - Loan origination systems have become a critical component for banks to improve their lending efficiency and deliver a superior customer experience. These systems automate and streamline the entire loan application process, from initial inquiry to final disbursement. 3. Online Account Opening - Online Account Opening allows customers to create bank accounts digitally without visiting a branch. It involves digital applications, remote identity verification, and electronic document submission, offering convenience while reducing operational costs for banks. 4. Loan Origination System (Commercial) - LOS improve lending efficiency in banks by automating the entire loan process, from application to approval. These systems streamline workflows, reduce processing times,and enhance compliance, enabling banks to make faster, informed lending decisions while improving customer experiences and operational productivity. 5. Loan Underwriting (Consumer) - Loan underwriting for consumer loans is the process of evaluating a borrower's creditworthiness and ability to repay a loan. It involves analyzing financial information, credit history, and other relevant factors to assess risk and determine loan approval terms. 6. Direct Deposit Switching - Simplifying direct deposit transfers enhances financial management and flexibility. Automation allows customers to easily switch their pay check to a new account, helping banks grow deposits and retain clients. Technology description: CreditSnap's platform uses cutting-edge technology, including soft inquiry for no credit impact, real-time decision engines, and seamless integration with Loan Origination Systems (LOS) and Core Banking Systems. The platform supports an array of features like eSignatures, KYC, and fraud detection, making it a robust solution for financial institutions. Key features: 1. Pre-Qualification Engine 2. End to End Automation (Configurable Automation) 3. Instant Digital Cross-Sells 4.Mobile 1st Customer Experience 5. Advanced Analytics and Reporting 6. Regulatory Compliance Developer help: 1. Orchestrated APIs and Micro Services available 2. Reporting Data available through traditional CSV based file exchange as well as advanced JSON based API events 3. Ability to integrate with a variety of cloud based technology partners (eg: your current esignature system, your current credit bureau etc) as well as on-premis or data center hosted system (eg: Your core system)

#### Who Is the Company Behind CreditSnap?

- **Seller:** [CreditSnap](https://www.g2.com/sellers/creditsnap)
- **Year Founded:** 2017
- **HQ Location:** San Antonio, US
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=c2a1d0c59f7adff2c8d7e3fcab7836fe8a67a997a3dae1b4668cf6313898dc85&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fcreditsnap&secure%5Burl_type%5D=linkedin_company_website)  
5 employees on LinkedIn®

### [Digitap.ai](https://www.g2.com/products/digitap-ai/reviews)

An AI-powered end-to-end API platform for banking and FinTech. The company offers a variety of solutions to financial institutions including onboarding suites, customer verification via alternate data set, bank verification through aggregator network, and expense manager or PFM platform. Digitap boasts a 99% customer satisfaction rate and works with many large companies.

**Average Rating:** 4.0/5.0

**Total Reviews:** 1

#### Who Is the Company Behind Digitap.ai?

- **Seller:** [Digitap.AI](https://www.g2.com/sellers/digitap-ai)
- **Year Founded:** 2019
- **HQ Location:** Bengaluru, IN
- **Twitter:** @DigitapAI  
16 Twitter followers
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=3f57a130e99265a0ef4af332f117d4a5f5df10243f6801f74a364d874a3aa534&secure%5Burl%5D=http%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fdigitap-ai&secure%5Burl_type%5D=linkedin_company_website)  
128 employees on LinkedIn®

#### Who Uses This Product?

- **Company Size:** 100% Small

#### What Are Recent G2 Reviews of Digitap.ai?

**["Best Digital infrastructure for banking"](https://www.g2.com/survey_responses/digitap-ai-review-9923427)**

**Rating:** 4.0/5.0 stars

_— Rohit S._

[Read full review](https://www.g2.com/survey_responses/digitap-ai-review-9923427)

### [DOKU Wallet as a Service](https://www.g2.com/products/doku-wallet-as-a-service/reviews)

DOKU Wallet-as-a-Service lets platforms embed digital wallet features directly into their apps. Issue, top-up, track, and manage user balances securely without building wallet infrastructure from scratch.

#### Who Is the Company Behind DOKU Wallet as a Service?

- **Seller:** [DOKU](https://www.g2.com/sellers/doku)
- **Year Founded:** 2007
- **HQ Location:** Jakarta Selatan, ID
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=eb40dbe41a2a431385f377828125f4eaa53a118aa1ca112f17ae8fb94a9f9d0d&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fdoku-indonesia%2F&secure%5Burl_type%5D=linkedin_company_website)  
508 employees on LinkedIn®

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 ![Nathan Calabrese](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Nathan Calabrese")
NC

Researched and written by [Nathan Calabrese](https://research.g2.com/insights/author/nathan-calabrese)

Updated October 3, 2024

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

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