Modular BaaS Without the Licencing Overhead
Modular BaaS Without the Licence Overhead – A Smarter Way to Launch Fintech
In 2025, launching a fintech product is still plagued by the same old issues: regulatory complexity, long onboarding cycles, and rigid Banking-as-a-Service platforms that require you to hold your own licence or adapt entirely to a single provider's stack.
But there's a smarter way. With a modular, orchestration-first BaaS approach, fintechs can launch faster, remain compliant, and avoid being locked into one provider or jurisdiction.
What Is Modular BaaS?
Traditional BaaS providers often bind you to a single EMI or bank partner. This approach can limit your flexibility and slow down time-to-market — especially when entering new geographies like the EEA.
Modular BaaS, by contrast, gives you the freedom to access multiple regulated services (like account issuing, card processing, or KYC) via a single unified API — without needing your own licence.
Why Licensing Slows Down Startups
Getting your own Electronic Money Institution (EMI) or Payment Institution (PI) licence can take 12–18 months, and costs hundreds of thousands in legal, compliance, and staffing. Even when working with a traditional BaaS provider, you might still face indirect licensing responsibilities — such as due diligence, customer risk profiling, and regulatory reporting.
The Integrated Finance Advantage
Integrated Finance solves this by acting as an orchestration layer between you and a network of regulated providers in the UK and EEA. With IF, you get:
- Access to safeguarding accounts, virtual IBANs, and card issuing without needing to become an EMI
- Integrated KYC, KYB, and AML providers via pre-built workflows
- Faster time to market — build your MVP in weeks, not months
- Freedom to switch providers if your needs change — no vendor lock-in
Who Benefits from Modular BaaS?
Whether you're building a:
- Neobank
- B2B expense platform
- Multi-currency wallet
- Embedded finance solution for platforms
...a modular BaaS provider like Integrated Finance gives you more flexibility, speed, and long-term resilience.
Build Faster. Launch Smarter.
Avoid the licensing delays, rigidity, and operational complexity of traditional BaaS. With Integrated Finance, you can:
- Build and test in a live sandbox today
- Launch in the UK and EEA without holding a licence
- Scale with confidence knowing you can change providers as needed
👉 Get started with our sandbox