Live API activity
Every call, every event — in real time
Webhooks keep your platform in sync the moment something happens.
See the endpoints
Banking infrastructure
Banking as a Service API platform
Embed financial products into your platform with our developer-friendly Banking as a Service API, built for businesses in the UAE and across the Gulf. No banking license required.
- ISO 27001
- PCI DSS
- SOC 2
- 180+ clients since 2010
Accounts API
Create & manage accounts
Payments API
Process transactions
Cards API
Issue virtual & physical cards
KYC API
Identity verification
One platform
Every product your customers need
Cards API
Can you issue cards through the Banking as a Service API?
Issue virtual & physical cards through the same API you use for accounts, payments and KYC.
- Virtual cards live the moment they’re issued
- Physical cards on the schemes your customers use
- Webhooks and real-time updates for every transaction
API suite
What does the Banking as a Service API include?
Accounts, payments, cards and KYC, through RESTful APIs with OpenAPI 3.0 specifications, webhooks and SDKs in 8+ languages. Pre-built components and a sandbox let you go live in weeks.
RESTful APIs
Developer-friendly APIs with comprehensive documentation, SDKs in 8+ languages, and 99.99% uptime SLA.
- OpenAPI 3.0 Specification
- Webhook Support
- Real-time Updates
Fast Integration
Go live in weeks with our pre-built components and sandbox environment.
Bank-Grade Security
SOC 2, PCI-DSS compliant infrastructure with end-to-end encryption.
White-label ready
Customize every aspect to match your brand identity
100%Customizable
24/7Support
Developers
What does a Banking as a Service API call look like?
Each product is one REST endpoint: POST /v1/accounts opens an account, POST /v1/transfers moves funds and POST /v1/cards issues a card. Start building in minutes with the examples below.
terminal
# Create a new account
curl -X POST https://api.firstfintech.com/v1/accounts \
-H "Authorization: Bearer YOUR_API_KEY" \
-d '{
"customer_id": "cus_123",
"account_type": "checking",
"currency": "USD"
}'# Transfer funds between accounts
curl -X POST https://api.firstfintech.com/v1/transfers \
-H "Authorization: Bearer YOUR_API_KEY" \
-d '{
"from_account": "acc_123",
"to_account": "acc_456",
"amount": 1000,
"currency": "USD"
}'# Issue a virtual card
curl -X POST https://api.firstfintech.com/v1/cards \
-H "Authorization: Bearer YOUR_API_KEY" \
-d '{
"account_id": "acc_123",
"card_type": "virtual",
"spending_limit": 5000
}'Industries
Which businesses use Banking as a Service?
E-commerce platforms, fintech startups, gig-economy companies and enterprises. Each builds different products on the same infrastructure, from BNPL and digital wallets to instant payouts and corporate cards.
Fintech Startups
Launch your neobank, investment platform, or lending service in weeks.
Gig Economy
Instant payouts, expense cards, and financial tools for your workforce.
Enterprise
Corporate cards, expense management, and treasury solutions at scale.
FAQ
Frequently asked questions about Banking as a Service
Understanding Banking as a Service (BaaS)
Banking-as-a-Service (BaaS) is a technological framework that allows non-bank businesses to embed digital banking services directly into their own products. By connecting to a licensed bank’s infrastructure via safe and secure APIs, companies can offer financial products—like checking accounts, branded debit cards, and payment processing—without needing to acquire a banking license themselves. It effectively “rents” the bank’s charter and infrastructure to digital companies.
BaaS works through API (Application Programming Interface) integration. A licensed partner bank holds the license and the regulated accounts; FirstFintech provides the technology that exposes those banking services as code. Your development team integrates our banking as a service API into your user interface. When your customer taps “Send Money” or “Open Account” in your app, the API sends that request through our platform to the partner bank, with compliance checks and settlement handled in the background.
While closely related, there is a key distinction. Banking as a Service refers to the “plumbing” or backend infrastructure—the APIs and banking license—that enables financial operations. Embedded finance refers to the customer experience or use case where financial services are placed within a non-financial app. For example, the BaaS provider supplies the API (the tool), while a ride-sharing app paying drivers instantly is utilizing embedded finance (the application). We provide the infrastructure that powers these embedded experiences.
FirstFintech distinguishes itself through a developer-first approach and a unified, full-stack platform. Instead of stitching together separate vendors for each product, you get accounts, payments, cards and KYC through one API, connected to licensed partner banks. This ensures higher reliability (99.99% uptime), faster implementation speeds (launch in weeks), and bank-grade security (ISO 27001 certified). Our comprehensive API suite covers everything from KYC and accounts to lending and card issuance, so a growing business can add products without adding vendors.
$5B+Processed
99.99%Uptime
< 50msLatency
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