Banking-as-a-Service & dedicated IBANs for high-risk merchants
Approved processing is worthless if the money can't land anywhere. We place high-risk merchants with Banking-as-a-Service and EMI partners for dedicated IBANs, named safeguarding and embedded finance — the banking layer that FX, crypto, iGaming and adult businesses are constantly denied by traditional banks.
Why high-risk merchants turn to BaaS
Banking-as-a-Service lets non-banks offer bank-grade accounts through licensed EMIs and BaaS providers — a lifeline when traditional banks de-risk your sector.
- Traditional banks close or refuse high-risk business accounts
- You need dedicated IBANs to send and receive at scale
- Multi-currency accounts reduce FX cost on cross-border flows
- Safeguarding and segregation protect client and settlement funds
- Embedded finance lets you offer accounts to your own users
What we place for BaaS
Dedicated IBANs
Named IBANs in your company's name for sending and receiving funds.
EMI & safeguarding
Licensed EMI partners with named safeguarding of funds.
Multi-currency accounts
Hold and convert across currencies to cut cross-border cost.
Embedded finance
Offer accounts, cards or IBANs to your own customers via API.
The banking layer around your payments
From a single dedicated IBAN to a full embedded-finance programme, matched to your risk profile.
Dedicated IBAN accounts
Company-named IBANs from EMIs that accept high-risk verticals.
Safeguarding & segregation
Named safeguarding accounts that protect settlement and client funds.
Card issuing
Physical and virtual card programmes via BaaS partners.
Multi-currency & FX
Hold, receive and convert in multiple currencies at competitive rates.
Embedded finance / API
Offer IBANs, wallets and cards to your users through provider APIs.
Payments-to-banking bridge
Connect your acquiring settlement straight into usable accounts.
Why BaaS operators place through us
Right provider, first time
We only introduce acquirers and EMIs whose underwriting is proven to approve BaaS models — no wasted applications.
Built-in redundancy
Multi-acquirer routing so a single MID review or closure never takes your revenue offline.
Fast, warm introductions
Direct lines to decision-makers. Most BaaS clients get first introductions within 24–72 hours.
BaaS payments — your questions
What is Banking-as-a-Service (BaaS)?
Banking-as-a-Service lets businesses access banking functions — accounts, IBANs, payments, card issuing — through licensed EMIs and BaaS providers, usually via API. It's how non-banks and high-risk merchants get bank-grade functionality without holding a banking licence themselves.
Why is a dedicated IBAN important?
A dedicated IBAN in your company's name lets you send and receive funds reliably, reconcile payments cleanly, and present a stable banking identity to partners and acquirers. Shared or pooled IBANs cause reconciliation and trust problems, especially at scale.
Can high-risk businesses actually get BaaS accounts?
Yes, with the right partner. Many EMIs and BaaS providers will serve FX, crypto, iGaming and adult businesses that traditional banks reject — provided KYC, AML and safeguarding requirements are met. We match your profile to providers with the right risk appetite.
What is safeguarding and why does it matter?
Safeguarding means an EMI keeps customer and settlement funds in segregated accounts, separate from its own money, so those funds are protected if the provider fails. For high-risk merchants moving large volumes, named safeguarding is an important protection to look for.
Can I offer accounts to my own customers?
Yes — that's embedded finance. Through BaaS APIs you can issue IBANs, wallets or cards to your own users under your brand. We place providers that support embedded programmes suited to your vertical and volume.
Get the banking layer high-risk merchants are denied.
Tell us what you need to hold and move — dedicated IBANs, EMI accounts, multi-currency or embedded finance. We'll match you with a BaaS partner that says yes.