The platform

Banking software, from apps to BaaS integrations

The customer app your users see, the back office your team works in, the analytics your stakeholders read and the automation that keeps it all running — one coherent system.

What it covers

The day-to-day software of a banking product

Baasplus is not a widget or an SDK — it is the operating software of a banking brand, from the pixel the customer taps to the job that generates statements at night.

Instead of stitching together a dozen vendors and building the glue yourself, a brand launches on one platform where the apps, the back office and the supplier integrations already work together — and where new capabilities are added by configuration and drivers, not rewrites.

Integrations

Connected payments, clearly explained

From card orders to bank transfers and bill payments, Baasplus connects your customer experience with specialist payment providers. Green highlights show where Baasplus brings it all together.

Four payment flows: card orders pass through Baasplus and the BaaS provider to the card provider, with readiness confirmed back. Card payments pass from merchant through Visa or Mastercard to the card provider, which updates Baasplus. Bank transfers pass through the BaaS provider to SEPA, with confirmation returned. Bill payments fund the fees account through the BaaS provider; after confirmation, Baasplus requests payment from the bill supplier and receives confirmation. — Diagram in English. Open full size and swipe to explore on mobile.

Customer app

What your customers can do

Every module below ships in the white-label app today, gated by feature flags so each brand enables exactly what its product and partners support.

Accounts & IBANs

Consumer and business accounts with dedicated IBANs, balances, transaction history, beneficiary management and proof-of-ownership documents.

Payments & transfers

SEPA and internal transfers with IBAN verification, fee calculation, transfer review flows and configurable daily and monthly limits.

Card management

Virtual and physical cards with activation, PIN management, secure detail reveal, freeze/terminate, top-up and withdrawal, and usage statistics.

Business & teams

Employee cards with spending profiles, bulk issuance, role-based access for collaborators and invitations to shared business accounts.

Digital onboarding

Fully digital KYC for individuals and KYB for companies — document capture, liveness checks and beneficial-owner flows via integrated identity partners.

Statements & reports

Account and card statements, transaction reports and receipts generated as PDFs, with consistent timezone and formatting policies.

Bill payments & services

Utility and tax payment rails, phone top-ups and voucher purchases, integrated with the same accounts, limits and receipts.

POS & acquiring

Merchant onboarding with risk scoring, POS terminal ordering and management, payment acceptance and settlement visibility.

Stablecoin international payments

Fast, low-cost cross-border payments settled over stablecoin rails, with on/off-ramps between local currency and stablecoins, quotes, beneficiaries and compliance checks built in.

Four surfaces

Apps for customers, tools for operators

A banking product is more than the app in the store. Baasplus ships every surface the business needs, on one shared foundation.

Customer app

One white-label codebase delivering the browser (desktop and mobile), iOS, iPadOS, Android and macOS in seven languages — with more added on request — from login to payments to statements, fully branded. HarmonyOS arrives in Q1 2027.

Operations back office

Dashboards, user management, onboarding review, transaction monitoring, card and account controls, campaign email tooling and diagnostics.

Analytics & investor view

Financial dashboards for management and investors: balances, card and acquiring metrics, profit & loss views and statistics.

Automation & jobs

A scheduler service for recurring work — statement runs, status refreshes, webhook processing and housekeeping — so operations do not depend on humans remembering.

Under the hood

A foundation built for money

Correctness, availability and isolation are architectural properties of the platform — running on Google Cloud (GCP) infrastructure, engineered and operated in-house.

Cloud-native services

The customer, back-office, analytics and scheduler services run as independent cloud-native APIs on Google Cloud (GCP) infrastructure, scaling with demand.

Consistent managed data

A managed, strongly-consistent database keeps accounts, transactions and balances correct — the non-negotiable for money.

Event-driven processing

Supplier webhooks and platform events flow through managed queues with retries, so no notification is silently lost.

Isolation per brand

Each brand runs in its own cloud projects with its own databases and secrets — one brand can never read another’s data.

Observability & audit

Structured logging, monitoring and audit trails across every service — the platform is run and watched, not just shipped.

Operated end to end

HKMSP designs, builds and operates Baasplus. One team owns the architecture, the integrations and the day-two operations.

The full picture

Everything the platform brings together

One platform for accounts, payments, cards, onboarding, operations, analytics and automation — ready for a brand to run on.

Consumer & business accounts with IBANs

SEPA & internal transfers with limits

Virtual & physical card management

Employee cards & spending profiles

Digital KYC / KYB onboarding

Statements, reports & receipts (PDF)

Bill, utility & tax payments

Phone top-ups & vouchers

POS terminals & merchant acquiring

Stablecoin & international payments

Back-office & compliance console

Analytics & investor dashboards

Scheduled jobs & event processing

Seven languages across app & emails

Browser, iOS, iPadOS, Android & macOS from one codebase

HarmonyOS support arriving Q1 2027

Baasplus is software. It is not a bank or an electronic money institution: in every live deployment, regulated banking and payment services are provided by the licensed BaaS providers or EMIs integrated with the platform.

Next: how it becomes your brand →

The integration layer

Already connected where it counts

These service categories describe the integration layer. We review the specific providers, supported markets, API access and any new development required for your project.

You choose the licensed partners; Baasplus provides the software that turns their APIs into a coherent product — one app, one back office, one data model.

What plugs in

Nine categories, one platform

Each category below is live in the platform today, behind a driver interface that keeps the product independent of any single supplier.

BaaS & EMI rails

Accounts, IBANs, payments and card issuing depend on licensed providers. Provider selection is configurable per brand; switching or combining providers requires a review of APIs, data, contracts and migration needs.

Identity verification

KYC and KYB run on an integrated identity-verification platform: document capture, liveness video, beneficial-owner checks and staged verification levels, orchestrated end to end.

Bill & tax payments

National bill-payment and tax rails, phone top-ups and voucher services plug into the customer app as first-class services with receipts and history.

POS & acquiring

Terminal ordering, merchant onboarding with risk assessment and payment acceptance integrate with acquiring partners and reconcile in the back office.

Stablecoin & international payments

Fast, low-cost cross-border payments settled over stablecoin rails, with on/off-ramps between local currency and stablecoins through specialised partners — quotes, beneficiaries and compliance checks handled by the platform.

Messaging

Transactional SMS, branded multi-language email and mobile push notifications, with per-event user preferences and delivery tracking.

Support & engagement

In-app customer support messaging and campaign tooling connect to the support and CRM services your operation uses.

Registries & data

Company-registry search, IBAN validation and business data lookups enrich onboarding and payments with authoritative sources.

AI-assisted checks

AI services assist operations — for example invoice and document verification during compliance review — always with a human in the loop.

How it works

Built to add the next integration

The point of the integration layer is not the list of what exists — it is how cheaply the list grows.

Driver architecture

Every external service sits behind a driver with a stable internal interface. The product logic never talks to a supplier directly — which is why suppliers can differ per brand.

Webhooks & reconciliation

Supplier events arrive through queued, retried webhook processing; scheduled jobs reconcile state so the platform and the supplier never silently drift.

New integrations, added for you

Need a different KYC provider, a local payment rail or your group’s core system? The driver model is how we add it — scoped, built and operated as part of the platform.

Next: security & compliance →

Book your Baasplus demo

Explore the app, admin panel and financial reporting for your fintech.

BAASPLUS

30-minute product demo

Asia/Hong_Kong · UTC+8

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Baasplus · HK Managed Service Provider