--- title: "Backoffice, Interfaces and Apps for Your BaaS | Crassula" description: "Launch a complete Banking product with reliable financial services, Operations-as-a-Service (OaaS) or Cards-as-a-Service (CaaS) in weeks, not months." url: "https://crassula.io/products/core-banking/" lang: "en" alternates: "en": "https://crassula.io/products/core-banking/" "de": "https://crassula.io/de/products/core-banking/" "es": "https://crassula.io/es/products/core-banking/" "fr": "https://crassula.io/fr/products/core-banking/" "x-default": "https://crassula.io/products/core-banking/" index: "https://crassula.io/llms.txt" --- # Backoffice, interfaces and mobile apps for your Banking-as-a-Service (BaaS) of choice A complete out-of-the-box White Label solution that provides you with a powerful software for launching your digital bank. Focus on growing your business while Crassula will take care of the rest. [Request demo](https://crassula.io/request-demo/) ![Challenger bank dashboard](https://crassula.io/static/images/solutions/hero/01.webp) ![Challenger bank app card](https://crassula.io/static/images/solutions/hero/02.png) ## Case Studies ![Multipass logo](https://crassula.io/static/images/case-studies/logo/logo-06.png) Multipass is a financial services provider offering global business accounts, multi-currency payments, and cross-border transaction solutions. [Read case study](https://crassula.io/cases/multipass/) ![Multipass currency exchange screen](https://crassula.io/static/images/case-studies/logo/06.webp) ![Paysend logo](https://crassula.io/static/images/case-studies/logo/logo-01.png) Paysend & Crassula - a banking solution for international companies [Read case study](https://crassula.io/cases/paysend/) ![Paysend transfer calculator next to a purple card](https://crassula.io/static/images/case-studies/logo/01.png) ![LuxPay logo](https://crassula.io/static/images/case-studies/logo/logo-03.png) LuxPay is at the forefront of providing advanced financial services, designed to meet the needs of modern businesses and consumers alike. [Read case study](https://crassula.io/cases/luxpay/) ![Green dotted globe from the LuxPay case study](https://crassula.io/static/images/case-studies/logo/03.png) ![Wickie logo](https://crassula.io/static/images/case-studies/logo/logo-07.png) Wickie offers secure and scalable fiat and cryptocurrency payment solutions, providing users with digital wallets and seamless financial services across multiple platforms. [Read case study](https://crassula.io/cases/wickie/) ![Wickie screen for buying crypto with pounds](https://crassula.io/static/images/case-studies/logo/07.png) ## Everything you need to launch a challenger bank ### Speed Launch a complete banking product with reliable financial services, Operations-as-a-Service (OaaS) or Cards-as-a-Service (CaaS) in weeks, not months. ### Flexibility Native Android and iOS apps, web interfaces, payments and currencies - shaped the way you see your product, with your brand front and center. ### Cost-efficiency Skip the year-long build. Put your budget into growth while a ready platform carries the apps, the back office and the compliance tooling. ## Build it from scratch, or launch on Crassula | | Build from scratch | With Crassula | | --- | --- | --- | | Time to market | 12+ months | A couple of weeks | | Mobile and web apps | Design and build each one | Native iOS, Android and web, branded | | Payment rails | Integrate every provider yourself | SEPA, Faster Payments, ACH, FX connected | | Cards | Contract issuers and integrate | Visa and Mastercard through partners | | Back office and compliance | Build the CRM and AML/KYC tooling | CRM, onboarding and monitoring included | ## What you get with our infrastructure partners ### Visa and Mastercard cards Issue virtual and physical cards through pre-integrated card partners. ### Ledgers and virtual IBANs Multi-currency ledgers with dedicated and virtual IBANs for every client. ### Financial licensing Go live on a BaaS partner's licence, or plug your own EMI or banking licence in. ### International transfers Move money across borders with SWIFT and correspondent rails. ### Faster Payments Near-instant UK payments through the Faster Payments scheme. ### SEPA payments SEPA and SEPA Instant transfers across the euro area. ### FX Built-in currency exchange with live rates and flexible markups. ### ACH US ACH transfers for domestic collections and payouts. ## What you can build with us ### Multi-currency accounts with IBANs Open personal and business accounts that hold several currencies at once, each with its own dedicated or virtual IBAN so incoming payments land on the right balance. - Dedicated and virtual IBANs for private and business clients - Ledgers that carry Euro, Pound, Dollar and more - Built-in currency exchange between balances ![Branded Visa card over Euro, Pound and Dollar account balances](https://crassula.io/static/images/features/accounts/03.jpg) ### Native apps and web interfaces in your brand Ship native Android and iOS apps alongside a web interface, all carrying your colours and logo. Customers freeze a card, check details or set a PIN straight from the app. ![Branded mobile app showing a Visa card with freeze, card details and PIN controls](https://crassula.io/static/images/features/ui/02.png) ### Payments and FX built in Send and receive over SEPA, Faster Payments, ACH and international transfers, with currency exchange applied as the money moves so recipients get the right amount. ![Currency exchange on a transfer: send 820 EUR, recipient gets 864.78 USD](https://crassula.io/static/images/features/transfers/03.png) ### Compliance and onboarding you operate Onboard private and business clients with AML and KYC checks, strong client authentication and financial monitoring tools, all run from one back office. ![KYC onboarding screen offering Driver's licence and National ID verification](https://crassula.io/static/images/features/compliance/05.png) ### One back office to run the bank A convenient CRM for managing private and business clients, transactions, reports, card issuing and fees, with the volumes and conversions your team watches every day. ![Back-office analytics with users, conversions and a volume chart](https://crassula.io/static/images/features/dashboard/06.png) ## How to launch with us ### Tell us about your project We will support the most disruptive ideas. ### Construct your product Mobile apps, web interfaces, payments and currencies - the way you see it. ### Onboarding We take the hassle out of onboarding you with your preferred Banking-as-a-Service partner. ### Launch You are ready to go in a couple of weeks. Weeks to launch, not a year of building 150+ companies run on Crassula 2 native apps: Android and iOS, plus web OaaS and CaaS models to launch on ## Pick your BaaS partner - and keep your options open Crassula sits on top of the Banking-as-a-Service partner of your choice, so you can start on one provider and add or switch providers later without rebuilding your product. [Request demo](https://crassula.io/request-demo/) ## FAQ ### How fast can we launch a challenger bank? A branded product built on ready native apps and back office rolls out in a couple of weeks. Building the same stack from scratch usually takes a year or more. ### Do we need our own banking licence? Not to launch. You can go live on a Banking-as-a-Service partner and contract with them for the regulated rails, or plug your own EMI or banking licence into Crassula and run on it. ### What comes out of the box? Native Android and iOS apps, web interfaces, a back-office CRM, multi-currency accounts with IBANs, Visa and Mastercard card issuing, and AML/KYC onboarding with financial monitoring. ### Which payment rails are supported? SEPA payments across the euro area, UK Faster Payments, ACH, international transfers and built-in FX, through the infrastructure partners connected to the platform. ### Are the apps really our brand? Fully. The native iOS and Android apps and the web interface carry your colours and logo. Customers see your product, and Crassula stays invisible underneath. ## Create a digital bank in a matter of days [Request demo](https://crassula.io/request-demo/) ![Companies using Crassula](https://crassula.io/static/images/home/cta/logos.png) **150+** companies already with us