---
title: "Embedded Finance Platform | Accounts and Payments | Crassula"
description: "Bring supported account and payment journeys into your product with Crassula APIs and operating tools. Choose provider connections that fit your programme."
url: "https://crassula.io/solutions/embedded-finance/"
lang: "en"
alternates:
  "en": "https://crassula.io/solutions/embedded-finance/"
  "de": "https://crassula.io/de/solutions/embedded-finance/"
  "es": "https://crassula.io/es/solutions/embedded-finance/"
  "fr": "https://crassula.io/fr/solutions/embedded-finance/"
  "x-default": "https://crassula.io/solutions/embedded-finance/"
index: "https://crassula.io/llms.txt"
---

Inside your product

# Keep the financial next step inside your platform.

Bring accounts and payments into the experience your customers already use. Your platform owns the journey; Crassula connects the banking capabilities and operating tools behind it.

[Explore your use case](https://crassula.io/request-demo/)Explore the integration ↓

Accounts and IBANs Bank transfers Banking API Back-Office Dashboard

Your experience**Crassula API**Connected banking providers

## Connect the services behind your platform.

[![OpenPayd](https://crassula.io/static/images/solutions/connector-logos/openpayd.png)](https://crassula.io/connectors/app/openpayd/)
[![Currencycloud](https://crassula.io/static/images/solutions/connector-logos/currencycloud.svg)](https://crassula.io/connectors/app/currencycloud/)
[![Railsr](https://crassula.io/static/images/solutions/connector-logos/railsr.png)](https://crassula.io/connectors/app/railsr/)
[![Modulr](https://crassula.io/static/images/solutions/connector-logos/modulr.png)](https://crassula.io/connectors/app/modulr/)
[![Sumsub](https://crassula.io/static/images/solutions/connector-logos/sumsub.png)](https://crassula.io/connectors/app/sumsub/)
[![ClearBank](https://crassula.io/static/images/solutions/connector-logos/clearbank.png)](https://crassula.io/connectors/app/clearbank/)

A selection of our connectors [Explore all connectors](https://crassula.io/connectors/)

Built by your team. Used by your customers.

## Your idea, in your customers’ hands.

Create the financial experience your business imagines. Build your own web or mobile product around Crassula capabilities, with account, payment and verification journeys connected behind the scenes.

- Your own customer-facing product
- Financial capabilities connected by API

![A financial-product team reviewing a phone together.](https://crassula.io/static/images/features/people/builders-1200.webp)

Case Studies

## See what teams build with Crassula.

![Wickie](https://crassula.io/static/images/solutions/cases/logo-wickie.png)

- Digital wallets
- Web interfaces
- iOS and Android apps

Live on Crassula

### [Fiat and crypto products across web and mobile.](https://crassula.io/cases/wickie/)

Digital wallets and financial journeys delivered through Crassula APIs, web interfaces and iOS and Android apps.

[Read case study](https://crassula.io/cases/wickie/)

![Paysend](https://crassula.io/static/images/solutions/cases/logo-paysend.png)

- SEPA Credit
- SEPA Instant
- SEPA Direct Debit

Live on Crassula

### [SEPA connectivity for a global payments business.](https://crassula.io/cases/paysend/)

A technical connector for SEPA Credit, SEPA Instant and SEPA Direct Debit, with back-office and ledger capabilities.

[Read case study](https://crassula.io/cases/paysend/)

A more useful place to do business

## When the next step is a payment, keep the context.

A customer should be able to move from managing their business to managing its money in a connected experience. Start with the financial action that belongs in your product, then build the banking journey around it.

01

### Start in your product

Keep your brand, customer context and interface at the centre of the experience.

02

### Add a banking capability

Connect an account or payment journey through the documented Crassula API.

03

### Bring operations with it

Set the product rules and give your team the permissions and review tools the service needs.

Choose a starting point

## A focused first journey. Room for the next.

### Give customers a place to hold money.

Create named accounts for existing clients, with currencies and account details supported by your selected provider and programme.

[Explore accounts →](https://crassula.io/features/accounts/)

Payment journey

**EUR****SEPA**

*1*Beneficiary *2*Fee *3*Review

### Make moving money part of the workflow.

Bring beneficiaries, applicable fees and payment review into your own interface. The configured route, limits and approval policy stay behind the customer journey.

[Explore transfers →](https://crassula.io/features/transfers/)

Clear responsibilities from the start

## One connected experience. Defined roles behind it.

Choose a technology and provider model that fits your business. Agree the customer journey, integrations and operational responsibilities before you launch.

01**Your platform**

Your brand, your customer relationship and the workflow you want to improve.

[Your brand and appearance ↗](https://crassula.io/products/interfaces/)

![Crassula](https://crassula.io/static/images/logo/crassula/logo_green_white.svg)

02**Crassula**

The technology layer: banking APIs, product configuration, integration connections and Back-Office tools.

[Banking API ↗](https://crassula.io/features/api/)

03**Your regulated setup**

Your own licensed entity or contracted providers deliver the regulated services. Available markets and capabilities depend on that arrangement.

![OpenPayd](https://crassula.io/static/images/solutions/connector-logos/openpayd.png)![Modulr](https://crassula.io/static/images/solutions/connector-logos/modulr.png)![Sumsub](https://crassula.io/static/images/solutions/connector-logos/sumsub.png)

[Explore all connectors ↗](https://crassula.io/connectors/)

Built for developers

## Build the financial experience you have in mind.

Use the Banking API to discover which account-opening options are available to a client. Shape your own journey around the products configured for your fintech.

- Retrieve account-opening options
- Connect your own frontend to core banking
- Use the same documented HTTP API across your stack

[Explore the API docs](https://docs.demo.crassu.la/#tag/accounts/GET/api/clients/{clientId}/account-order-options)

GET`/api/clients/{clientId}/account-order-options`

Node.js · native fetch

```text
// Discover account-opening options
const baseUrl = process.env.CRASSULA_BASE_URL;
const apiKey = process.env.CRASSULA_API_KEY;
const clientId = process.env.CRASSULA_CLIENT_ID;

const path = `/api/clients/${encodeURIComponent(clientId)}/account-order-options`;
const response = await fetch(`${baseUrl}${path}`, {
  method: 'GET',
  headers: {
    Authorization: apiKey,
  },
});

if (!response.ok) throw new Error(`HTTP ${response.status}`);
const data = await response.json();
```

**Discover account-opening options**

The public reference documents the demo environment. Your white label has its own API documentation.

[View API reference](https://docs.demo.crassu.la/#tag/accounts/GET/api/clients/{clientId}/account-order-options)

Crassula Connectors

## Connect the services your product needs.

Choose integrations that fit your programme, market and required capabilities.

[![OpenPayd](https://crassula.io/static/images/solutions/connector-logos/openpayd.png)Accounts and payments](https://crassula.io/connectors/app/openpayd/) [![Railsr](https://crassula.io/static/images/solutions/connector-logos/railsr.png)Accounts and cards](https://crassula.io/connectors/app/railsr/) [![Currencycloud](https://crassula.io/static/images/solutions/connector-logos/currencycloud.svg)FX and payments](https://crassula.io/connectors/app/currencycloud/) [CENTROlink Payments](https://crassula.io/connectors/app/centrolink/) [![Modulr](https://crassula.io/static/images/solutions/connector-logos/modulr.png)Accounts and payments](https://crassula.io/connectors/app/modulr/) [![Sumsub](https://crassula.io/static/images/solutions/connector-logos/sumsub.png)Identity verification](https://crassula.io/connectors/app/sumsub/) [Comply Advantage AML screening](https://crassula.io/connectors/app/comply-advantage/) [Explore all connectors](https://crassula.io/connectors/)

Your market

## Launch under your licence

What the platform covers for your licence and country: the regulator's IT questions, rails, providers and dates.

UK and EU · EMI

### [Embedded finance platform for licensed EMIs](https://crassula.io/solutions/embedded-finance/emi/)

For EMIs that power other companies' products: a separate programme for each platform client, balances per client and per end user, and the records you need to oversee agents and distributors you answer for.

See what we cover →

### [Launching somewhere else?](https://crassula.io/request-demo/)

Tell us your licence and country. We will map the rails, providers and documents you need.

Talk to our team →

Guides

## Embedded finance, explained

![Banking-as-a-Service in 2026: The Ultimate Guide](https://crassula.io/static/images/guides/banking-as-a-service/baas-pipeline-preview-960.jpg)

### [Banking-as-a-Service in 2026: The Ultimate Guide](https://crassula.io/solutions/embedded-finance/guides/banking-as-a-service/)

![BaaS Providers in 2026: The Complete Guide](https://crassula.io/static/images/guides/baas-providers/baas-cartridges-preview-960.jpg)

### [BaaS Providers in 2026: The Complete Guide](https://crassula.io/solutions/embedded-finance/guides/baas-providers/)

![White-Label Financial Software in 2026: The Complete Guide](https://crassula.io/static/images/guides/white-label-financial-software/financial-software-gears-preview-960.jpg)

### [White-Label Financial Software in 2026: The Complete Guide](https://crassula.io/solutions/embedded-finance/guides/white-label-financial-software/)

[**Explore all guides**Licensing, payments, cards and core banking, explained by our team.](https://crassula.io/guides/)

Embedded Finance

## FAQ

The questions teams ask us before a first call.

[**Not covered here?**Bring your question to a demo with our team.](https://crassula.io/request-demo/)

What is embedded finance and how does Crassula deliver it?

Embedded finance means offering banking - accounts, payments, cards - inside a non-bank product. Crassula is the orchestration and product layer that makes that practical: it connects to Europe's BaaS partners and payment providers, or to your own licensed entity, and gives you the ledger, apps and back office on top.

Do we need our own licence?

The regulated setup can involve your own licensed entity or contracted providers. The appropriate structure depends on your product, target market and programme. Crassula supplies the technology layer.

What happens if our provider changes or exits?

Crassula connects your product to supported providers. Adding or changing a provider requires a review of capabilities, contracts, account data and integration dependencies. Agree the transition scope with our team and the providers involved.

Which payment rails and providers are supported?

Available methods depend on your provider, currency, market and programme. The platform supports SEPA, international, local and internal payment capabilities through the relevant integrations. Review the connector scope for your product.

How long does it take to go live?

The timeline depends on product scope, provider onboarding, integrations and validation. Ready-made channels and banking modules provide a starting point; agree the launch plan for your specific programme with our team.

Embedded Finance

## Bring us the workflow you want to improve.

We’ll explore the customer experience, banking capabilities and provider connections it needs.

[Explore your use case](https://crassula.io/request-demo/)

[**Know what you pay**One setup fee and a monthly plan with accounts and transactions included.*See pricing →*](https://crassula.io/prices/)
[**Start with the API**Documented endpoints for accounts, payments, cards and customers.*Explore the API →*](https://crassula.io/features/api/)