Multipass is a financial services provider offering global business accounts, multi-currency payments, and cross-border transaction solutions.
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Embed Banking Into Your Product, on Your Terms
Add accounts, IBANs, payments and cards to your platform in weeks. Crassula runs the technology and back office; you launch on pre-integrated partners like Railsr, Modulr and ClearBank, or bring your own licence - so your program is never tied to a single provider.
- Accounts and IBANs via API
- Payments and cards
- Pre-integrated BaaS partners
- Bring your own licence
- Back office included
The real risk in embedded finance is your provider, not your product
Europe's BaaS market has consolidated. Providers get acquired, change strategy or tighten operations - and programs built on a single stack feel every one of those shocks. The way to de-risk is architectural: don't hard-wire your product to one provider.
Single point of failure
When accounts, payments and cards all run on one provider, a change in their roadmap or risk appetite becomes your outage. Portability has to be designed in from day one.
Integrations slip
Data-schema mismatches with a provider's systems push launch dates and burn budget. A pre-integrated orchestration layer removes that first-integration risk.
Compliance sits on you
Whichever partner holds the licence, your product still faces the customer. You need KYC, monitoring and controls you operate, not ones you hope your provider runs well.
One integration, many providers
Crassula is the orchestration and product layer: a real-time ledger, virtual IBANs, payment routing, card management, KYC and a branded back office. Underneath, it connects to Europe's BaaS partners and payment providers - so you switch or add providers without rebuilding your product.
- 10+ payment providers and 60+ service integrations already connected
- PSD2 Open Banking module: consents, account information and payment initiation
- Multi-tenant: run several brands or programs on one platform
Two ways to launch
Launch on our partners
No licence of your own? Go live on a pre-integrated BaaS partner. You contract with the partner for the regulated rails; Crassula gives you accounts, cards, apps and back office on top - live in weeks.
Bring your own licence
Hold an EMI, PI or banking licence? Crassula wraps around your licensed entity and runs the whole product and back office, so you own the economics and the regulatory relationship end to end.
What you can embed
Accounts and IBANs
Multi-currency accounts, dedicated and virtual IBANs, business and omnibus accounts, and interest-bearing Vaults.
Payments
SEPA and SEPA Instant, SWIFT, Faster Payments, CHAPS and BACS, plus internal and batch transfers - through the providers already connected to Crassula.
Cards
Virtual and physical Visa and Mastercard programs through pre-integrated issuers, with tokenization into Apple Pay and Google Pay.
Open Banking (PSD2)
A versatile Open Banking module: consents, account information and payment initiation, so third parties can connect and initiate payments.
Onboarding and KYC
Automatic KYC and KYB checks, client profiles, document storage, questionnaires and transaction monitoring - controls you operate.
Back office and apps
A branded Back-Office Dashboard plus ready-to-market web, iOS and Android apps - localized to more than 15 languages.
Pre-integrated with the providers your program runs on
10 days
to roll out a branded product
60+
service integrations connected
150+
companies run on Crassula
PCI DSS
Level 1, audited yearly
Turn your product into a revenue line
Embedded finance opens new revenue streams - card interchange, fees on payments and accounts, and balances your customers keep in-product. It also lifts retention: a customer who banks inside your product has fewer reasons to leave.
You set client tariffs and fee models from the Dashboard and keep your pricing under your control. Interchange and provider economics are part of your agreement with the partner or issuer you choose.
Who embeds finance with Crassula
McKinsey puts European embedded finance revenue on a path beyond EUR 100 billion by 2030. These are the products getting there first.
SaaS and vertical platforms
Add accounts, payments and cards to the software your customers already use, and capture the financial flows you send elsewhere today.
Marketplaces
Pay out to sellers and couriers, hold balances and issue cards, all inside your marketplace flow.
Fintech founders
Launch a neobank, wallet or payment product on a partner's rails now, and move to your own licence as you scale - without re-platforming.
EMIs and payment institutions
Bring your own licence and run a multi-tenant BaaS offering of your own on top of Crassula.
Built to pass your risk committee
PCI DSS Level 1 with yearly audits, penetration tests and quarterly internal scans
KYC/KYB, sanctions screening and transaction monitoring you run and can evidence
No single point of failure: providers are swappable, not hard-wired into your product
Free migration from your current core banking system when you move to Crassula
Case Studies
Paysend & Crassula - a banking solution for international companies
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LuxPay is at the forefront of providing advanced financial services, designed to meet the needs of modern businesses and consumers alike.
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Wickie offers secure and scalable fiat and cryptocurrency payment solutions, providing users with digital wallets and seamless financial services across multiple platforms.
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Embedded finance, explained
FAQ
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.
No. You can launch on a pre-integrated BaaS partner and contract with them for the regulated rails, then move to your own EMI, PI or banking licence as you scale. Because Crassula sits above the provider, moving does not mean re-platforming.
That is exactly what the orchestration model protects against. Your product and data live on Crassula, and providers connect underneath. Adding or switching a provider is a configuration change on the platform, not a rebuild of your customer-facing product.
SEPA and SEPA Instant, SWIFT, Faster Payments, CHAPS and BACS, plus internal and batch transfers, through more than 10 payment providers and 60+ service integrations already connected to the platform. Open Banking is available as a PSD2-compliant module.
A branded product built on ready-to-market apps and back office rolls out in weeks. The main variable is your provider or licensing setup, not the Crassula build.
