Build on top
Who lets you build money products?
If you are building
A marketplace
Sign up sellers as sub-accounts, take a fee on each sale and pay sellers out. Stripe Connect is the best-known example.
If you are building
Payments inside SaaS software
Let the businesses using your software accept payments inside it, with onboarding and dashboards embedded in your product.
If you are building
A neobank for businesses
Give the businesses on your platform somewhere to hold money and cards to spend it, under your brand.
If you are building
A neobank for consumers
Give individuals an account to hold money and a card to spend it, under your brand. That takes personal KYC, consumer accounts and a consumer card program together.
If you are building
Consumer cards
Issue debit, prepaid or credit cards to individuals under your brand. Debit and prepaid cards spend from a balance; credit cards also need a lending partner, shown here as financing.
If you are building
A consumer fintech app
Serve individuals rather than companies: personal KYC, wallets and consumer cards. This is what Bridge, BVNK and Rain are built for.
The full picture
Capabilities side by side
Open a provider for the detail behind each mark, its sources, and to flag anything wrong.
Not covered yet
Banking-as-a-service and card-issuing specialists such as Unit, Column, Lithic and Marqeta also power consumer and business fintech apps. They are next on our list.