Guides: BaaS
What is a sponsor bank? How sponsor banks work for fintechs
A sponsor bank lends its charter or network membership to a non-bank, and keeps the regulated responsibility.
Sponsor Bank Due Diligence: Contracts, Controls and Data
Review the fintech, contract, controls, data access and exit plan before a sponsor bank program launches.
Embedded finance vs banking as a service: the difference
Embedded finance is what a platform offers its users; banking as a service is how a bank supplies it.
How to choose a sponsor bank: a due diligence checklist
What to check before signing with a sponsor bank: charter, regulator, enforcement record, oversight, records and exit.
What is banking as a service (BaaS)?
How a chartered bank, a BaaS platform and a fintech brand split the work, the money and the risk.
Synapse bankruptcy: what changed for BaaS
What the Synapse bankruptcy left behind: a shortfall range, a Fed order and one unfinished FDIC rule.
What is embedded finance? Definition, chain and licenses
Embedded finance is a non-bank company offering payments, accounts, cards or loans inside its own software.
Banking as a service providers in 2026: seven US options
Seven US banking-as-a-service providers that meet published criteria, with their banks, products and API docs.
Banking as a platform vs banking as a service
Banking as a platform keeps the bank's brand and customer; BaaS puts a licensed bank behind someone else's brand.
BaaS platforms compared: models, banks and pricing
Nine BaaS platforms side by side: model, accounts, payments, named partner banks and published pricing.