Embed banking with ACM's BaaS APIs
Embed banking into your product
ACM's Banking-as-a-Service gives fintechs, platforms, and institutions clean APIs for accounts, cards, and payments — regulated-first infrastructure you embed and brand, without standing up your own core.
Banking primitives, exposed as APIs
Compose the pieces you need today and add more as you grow — every block runs on the same institution-grade platform.
Accounts & ledger
Open and manage branded accounts on a real-time, double-entry ledger with balances and statements.
Card issuing
Issue virtual and physical cards with spend controls and wallet provisioning via the same API.
Payments & transfers
ACH, wire, real-time, and stablecoin rails with idempotent APIs and webhooks for reconciliation.
Compliance hooks
KYC/KYB, sanctions screening, and transaction monitoring that connect to your or your sponsor's program.
SDKs & webhooks
TypeScript, Python, Go, and Rust SDKs, event streaming, and a sandbox to build against before go-live.
Roles & audit
Role-based access, SSO, and immutable audit logs designed for examiner and partner review.
From fintechs to chartered institutions
- Fintechs & platforms: launch banking features fast and own the experience. See fintechs.
- Banks & credit unions: extend your charter to partners and embed-finance programs.
- Builders: pair BaaS with the ACM white-label PSP, exchange & FX, and tokenization.
Build banking into your product
Get sandbox access and a roadmap scoped to what you're building.
Get startedFrequently asked questions
What can I build with ACM BaaS?
Branded accounts and ledgers, card issuing, payments and transfers, and money movement — embedded directly into your app or platform through documented APIs and SDKs.
Who is BaaS for?
Fintechs, software platforms, and brands that want to offer banking features without building core infrastructure, as well as banks and credit unions extending their charter to partners.
How does compliance work?
ACM provides compliance-ready building blocks — KYC/KYB hooks, transaction monitoring, and audit logs designed to support SOC 2, ISO 27001, and PCI-DSS requirements — that connect to your or your sponsor bank's program.