White-Label Banking: 5 Firms simplifying the journey to financial innovation

By Gloria Methri

Banking-as-a-Service (BaaS) is transforming industries by integrating financial services into everyday products and platforms. Airlines, eCommerce giants, subscription services, and even traditional retailers are leveraging BaaS to incorporate features like embedded payments, digital wallets, and lending.

However, implementing these solutions often means dealing with long integration timelines, regulatory hurdles, and complex API connections. The potential, however, is undeniable, as the rapid growth in the BaaS market demonstrates the increasing demand for streamlined financial solutions. Moreover, the global BaaS market is expected to skyrocket from $19.65 billion in 2021 to $74.55 billion by 2030, growing at an annual rate of 16.2%.

This growth highlights the necessity for businesses to find faster, simpler ways to adopt BaaS and meet the demand for embedded financial tools. White-label banking, which offers pre-built, customisable platforms that bypass technical roadblocks, can achieve this.

White-label solutions are perfect for validating market hypotheses and testing assumptions about business models. Before committing to hiring developers and building a custom solution on a BaaS provider’s APIs, businesses can utilise white-label platforms to gather real-world data and adapt quickly. These solutions enable businesses to provide compliant, scalable financial services without the usual complexities or risks associated with custom development.

Several providers dominate the white-label banking market, offering unique features and expertise to simplify the adoption process. These include:

• Solaris

Solaris is a European Banking-as-a-Service (BaaS) provider that empowers businesses to integrate banking and financial services into their products seamlessly. Operating with a full German banking licence, Solaris offers a comprehensive white-label platform supporting services such as digital payments, lending, account management, and cryptocurrency custody. Known for its flexibility and scalability, Solaris enables companies to scale across borders and customise solutions to fit diverse market needs, catering to FinTechs, established enterprises, and startups alike.

• Intergiro

Intergiro is a Sweden-based BaaS provider offering an innovative no-code platform designed to simplify the creation and launch of mobile banking apps. With Intergiro, businesses can customise and deploy apps without any coding expertise—upload brand assets, configure pricing, and launch on the App Store or Google Play. The platform includes features like advanced spending analytics, monetisation tools such as customisable fees, and affiliate program integrations, making it a one-stop solution for businesses looking to enter the digital banking space quickly and effectively.

• FintechOS

FintechOS is a global technology provider enabling digital transformation for financial institutions through its powerful no-code platform. Tailored for banks and insurers, the platform facilitates the seamless management of the entire product lifecycle, from design and launch to analysis and optimisation. By prioritising agility and efficiency, FintechOS empowers organisations to create and adapt financial products quickly, respond to market demands, and deliver enhanced customer experiences without extensive coding or development resources.

• Itexus

Itexus is a versatile FinTech development company specialising in customisable core banking systems and digital wallet integrations. Catering to FinTech startups in the USA and Europe, Itexus provides solutions that include AI-powered fraud detection for enhanced security and a robust API architecture for seamless integration. Known for its tailored approach, Itexus helps startups build scalable, innovative financial products that address unique market needs while ensuring efficiency and security.

• Crassula

Crassula is a hybrid FinTech platform that bridges traditional banking with cryptocurrency integration, offering businesses a versatile foundation to deliver both conventional and modern financial services. With its customisable branding features, Crassula enables companies to create unique, branded financial solutions tailored to their target audience. The platform is designed to support seamless scalability and innovation, making it an ideal choice for businesses looking to blend traditional finance with cutting-edge digital asset capabilities.

– With inputs from Jelle van Schaick, Head of Marketing, Intergiro