BREADX Banking as a Service (BaaS)

BREADX BaaS is the infrastructure layer for platforms that need to collect, hold, convert and pay. You embed the account stack; BREADX operates the regulated money services behind it.

What BaaS is

Banking as a Service lets a platform offer account, payment and payout features under its own programme. With BREADX that means multi-currency balances, virtual accounts, local and SWIFT rails, FX and optional card issuing — accessed from the client dashboard and APIs.

What is included

• Multi-currency accounts. Hold and move operating balances across Norður-Ameríka, the UK, the EU/EEA, Asia and Africa.
• Virtual IBANs. Issue dedicated virtual accounts so clients or counterparties can collect and reconcile without a shared number.
• Payout wallets. Onboard recipients from the platform and fund wallets they can use or spend on a card.
• FX on the account. Convert collected funds into the currency you will pay or hold, then send on local rails where the corridor supports it.
• SWIFT and local rails. SEPA, Faster Payments, local payments and SWIFT from the same programme.
• API and dashboard. Operate from breadx.fintekbox.net and integrate where the programme includes API access.

Why platforms use it

• One stack. Collection, treasury, FX and disbursement sit together instead of a new bank relationship in every country.
• Programme control. Onboarding, funding and support stay with the platform client.
• Faster to live. Use an existing money services programme rather than applying for a banking licence.
• Same disclosures. BREADX is not a bank. CAD funds are held by Apaylo Finance Technology Inc.

Who it is for

• Fintechs. Launch account and payout features without building the rail layer first.
• eCommerce platforms. Collect, hold by market and pay suppliers or sellers.
• SaaS products. Add transfers and balances for business users inside your software.

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