Banking as a Service · Financial Services

50 BaaS clients on a core with 99.99% uptime

A Banking as a Service fintech needed a core banking system of its own to offer financial services to third parties. Built on microservices, it now serves 50+ active clients at 99.99% availability, fully compliant with Brazil's central bank.

99.99%

Platform availability

BACEN

Regulatory compliance

50+

Active BaaS clients

Challenge

Challenges we know well

The client saw a growing opportunity in Banking as a Service, but needed a complete banking infrastructure to offer as a service to fintechs and companies wanting to embed financial services into their products.

A core banking system from scratch

Building a complete core banking system from the ground up on a microservices architecture, with scalability and maintainability designed in from day one.

Compliance with BACEN

Meeting the requirements of BACEN, Brazil's central bank, across the whole platform — covering both technical and operational obligations.

High availability for critical operations

Sustaining high availability and resilience for critical financial operations, with redundancy and automatic recovery that never reaches the end user.

Flexible APIs for BaaS clients

Creating open, well-documented APIs that let clients customize and integrate financial services into their own products.

Solution

Our approach

The core banking system was built on microservices, with scalability, security and regulatory compliance designed in.

Microservices architecture

Design and implementation of a distributed architecture with independent services for accounts, transactions, compliance and onboarding.

Banking modules

Complete modules for Pix (Brazil's instant payment system), wire transfers, bank slips, account management and reconciliation — all integrated over RESTful APIs.