Banking as a Service
Banking as a Service is a modern model where Bank al Etihad provides its regulated banking infrastructure through secure APIs — allowing non-bank businesses to seamlessly embed financial solutions into their platforms, without needing a banking license.
Whether you're launching a fintech startup, enhancing an e-commerce experience, or creating a financial feature within your product, our BaaS platform gives you the tools and compliance backbone to implement integrated financial services.
Why build with Bank al Etihad’s BaaS?
- Launch faster: Skip the complexities of building financial services from scratch. Our infrastructure is ready to go — so you can move from idea to execution fast.
- We handle compliance: Licensing, regulatory requirements, and compliance are all taken care of. Focus on your customers while we ensure everything runs safely and legally.
- Add new revenue streams: Monetize your platform by embedding value-added financial services — all while keeping your core business front and center.
- Seamless API integration: Maintain full control over your user experience. Our APIs make it easy to embed banking features into your existing product flow.
- Scale with confidence: From local launches to global expansions, our infrastructure scales as your business grows.
What you can build with us
- Embedded Accounts: Create full-featured personal or business accounts within your platform. Let your users deposit, withdraw, and view real-time balances — all without leaving your product.
- Card Issuing: Issue custom-branded debit and prepaid cards — physical or virtual. We handle card production, activation, processing, and compliance, while you retain control of the user experience.
- Payments and Transfers: Enable fast, secure money movement. From ACH and wire transfers to P2P, cross-border payments, and direct deposits — we support it all with built-in scalability.
- Compliance & KYC: We manage KYC, AML checks, and continuous compliance monitoring. Your users stay protected and compliant — with none of the regulatory headaches.
- Lending Infrastructure: Offer credit products like Buy Now Pay Later, personal loans, or business lines of credit — right inside your product. We provide the backend, risk tools, and infrastructure — you provide the experience.
Start building with Bank al Etihad
Whether you’re just starting out or ready to scale, our Banking as a Service platform helps you launch, grow, and lead — all on a foundation you can trust.
Let’s build together.
