Banking-as-a-Service · regulated EU rails

Launch banking, payments,
and crypto on regulated rails.

Open multi-currency accounts, onboard your own customers, and move money over SEPA — with crypto wallets and OTC exchange built in. Regulated partners hold the licences.

Start building Explore the platform
Licences held by partners EUR · GBP · USD + crypto MiCA-aware
app.balansas.com/overview
Overview
Accounts
Payments
Compliance
Monitoring
Volume routed · 24h
€2.18M
▲ 4.2%
Success rate
99.2%
7d avg
Avg settlement
1.8s
SEPA Instant
Routed volume
Live transactions
live
SEPA Instant€12,400now
USD payin$6,2404s
GBP payout£8,95011s
OTC · BTC buy€41,20026s

One platform

Everything you need to move money

One integration, six products. Replace a stack of banking, crypto, and compliance vendors with a single platform.

Move money over SEPA, in and out

Create a payment once and Balansas routes it over the right SEPA rail. Payins, payouts, and internal transfers share one multi-currency ledger.

SEPA credit & instant, payins and payouts
Verified payees and idempotent money movement
Instant, free internal transfers between accounts
POST /payments
{ amount: 12400, currency: "EUR",
rail: "sepa_instant" }
pay_8KQ2Lw930a
SEPA Instant · settled in 1.8s
settled

Building blocks

The primitives for embedded banking

Compose accounts, crypto, onboarding, payments, and OTC exchange into your product — over one authenticated API.

Accounts & IBANs

Multi-currency fiat accounts (EUR/GBP/USD), dedicated vIBANs, and MPC-custody crypto wallets.

Crypto OTC & exchange

Buy and sell crypto at institutional OTC pricing with firm quotes and four-eyes approval.

Embedded onboarding

Onboard your customers under your regulated umbrella with hosted KYC/KYB and jurisdiction gating.

Payments & money movement

SEPA in and out, verified payees, and instant, free internal transfers between accounts.

API & webhooks

RESTful Customer API with API-key auth, IP allowlisting, idempotency, and signed webhooks.

Security & compliance

Multi-tenant isolation, MFA, and audit trails. Regulated partners hold the licences.

Connect once

One integration for banking and crypto

Balansas sits between your product and regulated banking and crypto partners, so you write to one API instead of many.

Rails

SEPA credit & instant
Internal transfers
Collection accounts
Crypto · MPC custody

Orchestration layer

Your product

Accounts & balances
Customer onboarding
Payments & collections
One EUR · GBP · USD + crypto ledger

For developers

A single, idempotent API for every money move

RESTful, versioned, and consistent. Every response shares one envelope; every write is idempotent and CSRF-protected.

Consistent { data, meta } response envelope
Real-time webhooks for every state change
IP-scoped API keys and idempotency keys
Read the docs
POST /payments
const balansas = new Balansas(process.env.BALANSAS_KEY);

const { data } = await balansas.payments.create({
  amount: 12400,
  currency: "EUR",
  rail: "sepa_instant",
  payee: "payee_helios_de",
}, { idempotencyKey: "8f3a-42c1" });

// → { id: "pay_8KQ2Lw", status: "settled" }

Built for regulated money

Security and compliance, by default

Licences held by partners

Regulated banking and crypto partners hold the licences — you don't need your own.

Scoped API keys

Restrict keys to IP ranges and expiries, revocable at any time.

Idempotency

Safe retries on every money move with idempotency keys.

EU / EEA gating

Jurisdiction gating is built in and MiCA-aware, with EU data residency.

Audit trail on every action

Every case, approval, and state change is logged and traceable.

MFA & tenant isolation

TOTP and WebAuthn, with row-level isolation on every tenant.

Helios

"We replaced three providers with one Balansas integration. We went from a compliance backlog to same-day onboarding, and payments settle before our support team can even open the ticket."

Marek Kruse
Head of Payments, Helios

Ready to build on Balansas?

Tell us what you're building and we'll scope the services you need and share a quotation.

Get started View pricing