Banking as a Service in 2026: BaaS platforms are powering fintech apps, neobanks, and embedded finance by giving companies direct access to regulated banking infrastructure.

Stripe (Stripe Treasury): Stripe enables platforms to embed financial accounts, cards, and cash management features directly into their products through its developer-first ecosystem.

Solaris: A licensed European banking platform offering APIs for accounts, cards, and compliance, helping fintechs launch faster across the EU.

Marqeta: Specializes in modern card issuing and payment solutions, widely used by fintechs for customizable debit and credit card programs.

Galileo Financial Technologies: Provides digital banking infrastructure and APIs that power many leading neobanks and fintech apps globally.

Synapse: Offers APIs for deposit accounts, payments, and lending, enabling startups to build compliant financial products quickly.

Unit: Focuses on helping SaaS and tech companies embed accounts, cards, and lending directly into their platforms.

Railsr: Provides embedded finance solutions, including digital wallets, cards, and compliance tools for global expansion.

Finxact: Delivers cloud-native core banking technology, enabling traditional banks and fintechs to modernize their infrastructure.

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