Interlace Banking-as-a-Service (BaaS) enables platforms to programmatically create and manage banking accounts for their customers through API integration.

With Interlace, you can onboard entities, create virtual accounts, and support global fund movement through multiple payout rails, including ACH, Fedwire, and SWIFT. The platform is designed for businesses that need embedded banking capabilities without building banking infrastructure from scratch.

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Use Cases

Neobanks and digital wallets

Neobanks and digital wallets require a bank account for their customers to store and manage their funds, but they frequently lack the necessary infrastructure. Interlace BaaS service can assist these companies in opening and managing bank accounts for their customers, as well as providing payment rails, allowing them to concentrate on growing their core business.

Payment processors and payment facilitators

Payment processors and payment facilitators need to deliver a seamless payment experience to their customers, yet they often struggle to manage the underlying bank accounts. Interlace BaaS service can assist these companies in creating and managing bank accounts for their customers while also facilitating payments, enabling them to offer a more integrated solution.

Financial services providers

Financial services providers, including lenders, investment firms, and insurance companies, often require customers to maintain a bank account to receive payments and conduct transactions. Interlace BaaS service can assist these companies in opening and managing bank accounts for their customers while also providing payment rails, allowing them to streamline their operations.

Small and medium-sized businesses

Small and medium-sized businesses often face challenges when it comes to opening and managing bank accounts, especially if they operate across multiple currencies. Interlace BaaS service can assist these businesses in opening and managing bank accounts for their operations while also facilitating payments, allowing them to concentrate on growing their business.

Wallet and Treasury Solutions

Wallet providers and treasury management platforms often require dedicated banking accounts and payout capabilities to support fund collection, balance management, and operational payments. Interlace BaaS service can assist these companies in managing customer funds and automating payout workflows through ACH, Fedwire, and SWIFT rails.

Card Funding Scenarios

Many card programs require linked bank accounts to support funding, settlement, and operational cash flow management. Interlace BaaS service can provide the underlying banking account infrastructure and payment rails needed to support card issuance and related financial operations.