{"catalog":{"title":"Fintech infrastructure providers","path":"/providers","updatedAt":"2026-10-02T14:12:50.584Z","fields":[{"id":"website","label":"Website","type":"url"},{"id":"layers","label":"Infrastructure layers","type":"text"},{"id":"products","label":"Products (as published)","type":"textarea"},{"id":"client_types","label":"Client types","type":"text"},{"id":"regions","label":"Regions served","type":"text"},{"id":"partner_banks","label":"Publicly announced partner banks","type":"textarea"},{"id":"licences","label":"Licences and registrations (official registers)","type":"textarea"},{"id":"pricing_model","label":"Pricing model (only if published)","type":"text"},{"id":"api_docs","label":"API documentation","type":"url"},{"id":"date_checked","label":"Date checked","type":"date"},{"id":"profile_type","label":"Profile type","type":"select","options":["Standard","Enhanced (paid)","Sponsored"]}]},"category":{"slug":"baas","title":"Banking-as-a-service","path":"/providers/category/baas"},"entries":[{"slug":"column","name":"Column","path":"/providers/column","category":{"slug":"baas","title":"Banking-as-a-service"},"updatedAt":"2026-10-02T14:07:44.348Z","fields":{"website":"https://column.com","layers":"Banking-as-a-service, bank with own APIs","products":"Bank Accounts (FBO, sweep, clearing and custom account types)\nPayment Origination (ACH, domestic wires, book transfers)\nInternational Wires\nRealtime Payments (FedNow and RTP, request for payment)\nChecks (issuing, deposits, lockboxes)\nCard Programs (all major networks and issuer processors)\nLoans (origination, disbursements, payments)","client_types":"Technology companies and financial institutions (named clients include Brex, Mercury, Ramp and Best Egg)","regions":"United States (international wires to other countries)","partner_banks":null,"licences":"Column National Association, national bank · FDIC BankFind certificate 58224 · regulator OCC","pricing_model":null,"api_docs":"https://docs.column.com","date_checked":"2026-09-27","profile_type":"Standard"}},{"slug":"increase","name":"Increase","path":"/providers/increase","category":{"slug":"baas","title":"Banking-as-a-service"},"updatedAt":"2026-10-02T14:09:10.587Z","fields":{"website":"https://increase.com","layers":"Banking-as-a-service, core banking","products":"Bank Accounts\nACH, wires, Real-Time Payments and FedNow\nChecks\nCards (programmatic Visa card programs)\nPush-to-Card\nSponsor banking (core for banks)","client_types":"Technology companies, fintech platforms moving customer funds, banks (sponsor banking)","regions":"United States","partner_banks":"Increase Bank (Increase's own bank)\nGrasshopper Bank, N.A.\nFirst Internet Bank of Indiana\nCore Bank","licences":"Increase Bank, FDIC-insured bank (Longview, WA) · FDIC BankFind · Certificate 35261","pricing_model":"Published per-transaction fees (for example, wire origination $15.00, same-day ACH origination $2.00)","api_docs":"https://increase.com/documentation/api/overview","date_checked":"2026-09-26","profile_type":"Standard"}},{"slug":"lead-bank","name":"Lead Bank","path":"/providers/lead-bank","category":{"slug":"baas","title":"Banking-as-a-service"},"updatedAt":"2026-10-02T14:07:52.479Z","fields":{"website":"https://www.lead.bank","layers":"Banking-as-a-service, bank with own APIs, card issuing, lending","products":"Accounts (deposit accounts with subledger balances)\nMoney Movement (ACH, wires, instant payments over FedNow and RTP, internal transfers, blockchain payments)\nCard Programs (debit, prepaid and credit on a dedicated BIN across Visa, Mastercard and American Express, with the client's issuer processor)\nCredit and Lending (term loans and lines of credit, secured and unsecured)\nDigital Assets (USD and stablecoin pay-ins and payouts, on and off ramps, stablecoin-backed cards)\nAgentic Finance (scoped account numbers and cards attributed to agents)","client_types":"Fintechs and companies building financial products: neobanks, buy now pay later, credit builder, cross-border payments, embedded issuing, workforce and marketplace payouts","regions":"United States","partner_banks":null,"licences":"Lead Bank, state-chartered bank · FDIC BankFind certificate 8283 · primary federal regulator FDIC","pricing_model":null,"api_docs":"https://docs.lead.bank","date_checked":"2026-09-27","profile_type":"Standard"}},{"slug":"newline","name":"Newline by Fifth Third","path":"/providers/newline","category":{"slug":"baas","title":"Banking-as-a-service"},"updatedAt":"2026-10-02T14:08:00.936Z","fields":{"website":"https://www.newline53.com","layers":"Banking-as-a-service, embedded payments (bank-owned platform)","products":"Payments and transfers (ACH, wires, book transfers, Real-Time Payments; FedNow not yet available)\nCards (commercial credit and prepaid debit, virtual and physical)\nBank accounts (FDIC-insured, when eligibility conditions apply)","client_types":"Enterprises: payment processors, fintech companies, payroll and HR software, accounts payable and receivable platforms","regions":"United States","partner_banks":"Fifth Third Bank, N.A. (Newline is a division of the bank)","licences":"Fifth Third Bank, National Association, national bank · FDIC BankFind certificate 6672 · regulator OCC","pricing_model":null,"api_docs":"https://developers.newline53.com","date_checked":"2026-09-27","profile_type":"Standard"}},{"slug":"synctera","name":"Synctera","path":"/providers/synctera","category":{"slug":"baas","title":"Banking-as-a-service"},"updatedAt":"2026-10-02T14:08:06.451Z","fields":{"website":"https://www.synctera.com","layers":"Banking-as-a-service, card issuing","products":"Synctera APIs (KYC/KYB onboarding, payments, core banking, fraud and transaction monitoring, card issuing and processing)\nSynctera Ledger\nSynctera Console\nWhite-Label UX Suite\nDebit, credit, smart charge and fleet cards","client_types":"Fintechs and companies building embedded finance products; sponsor banks","regions":"United States and Canada","partner_banks":"Stearns Bank N.A. (September 19, 2023)\nFirst Internet Bank (January 2022)\nMidland States Bank (April 7, 2022)\nVeritex Community Bank and Emigrant Bank (named as partners and investors)\nNational Bank of Canada (Canadian programs)\nCommunity Federal Savings Bank (September 1, 2021), with Coastal Community Bank, Lineage Bank and Regent Bank named in the same release\nBankProv (April 8, 2022)","licences":null,"pricing_model":null,"api_docs":"https://dev.synctera.com/","date_checked":"2026-09-26","profile_type":"Standard"}},{"slug":"treasury-prime","name":"Treasury Prime","path":"/providers/treasury-prime","category":{"slug":"baas","title":"Banking-as-a-service"},"updatedAt":"2026-09-26T18:00:15.352Z","fields":{"website":"https://www.treasuryprime.com","layers":"Banking-as-a-service, core banking","products":"Bank OS (embedded banking, digital banking, open banking, tools)\nVirtual Ledger (virtual sub-ledger, supplemental core)\nPayments (card programs, checks, book transfers, ACH, wire, real-time payments, deposit sweeps)\nFind a Bank (marketplace submission to banks in its network)\nOneKey (several banks through one API integration)","client_types":"Banks and credit unions, fintechs, enterprises","regions":null,"partner_banks":"i3 Bank (joined January 22, 2026)\nCoastal (joined January 22, 2026)\nU.S. Bank (Connected Partnership Network, October 23, 2025)\nKeyBank (joined February 27, 2025)\nPeople Trust Community Federal Credit Union (June 10, 2025)\nOMB Bank (March 12, 2024)\nAcademy Bank (July 31, 2023)\nBangor Savings Bank (September 2022)","licences":null,"pricing_model":null,"api_docs":"https://docs.treasuryprime.com","date_checked":"2026-09-26","profile_type":"Standard"}},{"slug":"unit","name":"Unit","path":"/providers/unit","category":{"slug":"baas","title":"Banking-as-a-service"},"updatedAt":"2026-09-26T18:00:02.790Z","fields":{"website":"https://www.unit.co","layers":"Banking-as-a-service, card issuing","products":"Accounts & Wallets (deposit accounts, wallets, FBO)\nMoney Movement (ACH, checks, wires, Real Time Payments, cross-border)\nCard Issuing (debit, charge and revolving credit cards)\nCapital (working capital, charge cards, credit cards)\nManaged Solutions / Ready-to-Launch (banking, bill pay, capital)","client_types":"Software companies, vertical SaaS, banks","regions":"United States","partner_banks":"Thread Bank (announced August 2022)\nLincoln Savings Bank (announced August 7, 2024)\ni3 Bank (named on unit.co, July 2025)","licences":null,"pricing_model":null,"api_docs":"https://www.unit.co/docs/api/","date_checked":"2026-09-26","profile_type":"Standard"}}]}