helping fintechs bring innovation to market fast.
Why partner with us?
It’s our goal to support your ideal customer experience. That’s why we offer embedded banking solutions to some of the most innovative Fintech companies around the world.
Get to Market Fast
Debit Card Issuing
A partnership designed to scale.
Our Banking-as-a-Service (BaaS) partnerships are tailored to your needs and will allow you to offer white-labeled embedded financial services backed by BankProv. When you partner with us:
- We’ll provide the API solutions you need to get your platform or product off the ground quickly and securely.
- Once you launch, we’ll support your behind-the-scenes banking functions like complex payment infrastructure, account management and virtual ledgering services so you can focus on your business.
Whether you offer crypto-related services or more traditional digital banking products, partnering with BankProv gives you access to a forward-looking banking partner, fully-insured deposits and the best technology that’s designed to scale with you, an API that works.
Find the Right Account
FDIC-insured deposit, savings, and custodial accounts
Our team can help you find the right account setup for your BaaS needs
Open accounts, issue cards, and facilitate payments
A seamless payments experience for commercial fintechs
Modern, reliable, and well documented banking API
Edit emails and mailing addresses, close or lock accounts as needed
Full range of APIs from ProvXchange network, ACH and wires, to remote check deposit, and more
Simplify the process of managing and maintaining bank accounts
Branded Debit Cards
Create a tailored debit card experience
Issue, distribute, and manage customizable, tokenized virtual and/or physical cards
Enable secure debit card payments and new account funding
Access real-time and past transaction activity and balances
Manage Risk and Compliance
Our decades of banking regulatory and compliance expertise help ensure safe and sound banking practices.
Review of your protocols that help identify bad actors and unusual activity
Premier security controls to ensure the confidentiality, integrity, and availability of your businesses account information
Customizable checks using Middesk, Alloy, LexisNexis, and other providers
Holding client funds at BankProv.
Clients wishing to hold their own customer funds can be structured a few different ways:
- Under a basic For the Benefit of (FBO) model, clients can hold customer funds (business or consumer) in an FBO account at BankProv and move pooled funds in/out via wire or ACH. This is often done through file-based movement or through APIs.
- Under our more advanced BaaS model, clients can utilize BankProv’s APIs and/or third-party vendors to facilitate the movement of money on behalf of their clients using an FBO account that the partner manages with a virtual ledger. These partners often move client funds in and out of the bank via wire, ACH, and ProvXchange, and offer branded debit cards. These services are managed by the partner and embedded into their own front-end user interface.