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A composite view of the BaaS ecosystem — aggregating key metrics across banks and providers, regulatory activity, and deal flow into a single reference point for market health.
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Every consent order, MOU, and supervisory guidance affecting BaaS — from OCC, FDIC, Fed, FCA, and BaFin. Full archive from 2018.
View trackerPartnerships, funding, and launches
Curated deals across the BaaS and embedded finance ecosystem. 3–7 entries per week, with RSS, email digest, and LinkedIn sharing.
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View all banks and providers →AS Magnetiq Bank
activeLV · Riga · Bank of Latvia / FCMC / ECB
PaymentsCardsAccountsLendingFXKYC/AMLOpen BankingCrypto
Adyen
activeNL · Amsterdam · DNB (Dutch banking license)
PaymentsCardsAccountsLending
Aion Bank
activeBE · Brussels, Belgium · ECB (full banking license); National Bank of Belgium
CardsAccountsPaymentsLending
Airwallex
activeSG · Singapore and San Francisco · Multiple (80+ licenses globally)
PaymentsCardsAccountsFX
Alinma Bank
activeSA · Riyadh, Saudi Arabia · SAMA (SAR 20B capital)
PaymentsAccountsOpen Banking
Alviere
activeUS · Denver, Colorado · N/A — middleware provider
AccountsPaymentsCardsFX
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Browse full registryRegulatory tracker
Full archive →OCC
Wise US
The OCC denied Wise's application for a US national trust bank charter, citing BSA/AML/CFT deficiencies at Wise's US subsidiary. Wise US had agreed to pay a $4.2 million administrative fine tied to those compliance failures.
high
Enforcement Directorate (India)
Unknown Credit Cooperative Society
India's Enforcement Directorate (ED) investigated Pune-based Edsom Fintech Pvt. Ltd. for allegedly laundering ₹800 crore in proceeds from an illegal online betting syndicate ('ALL PANEL EXCHANGE') through shell entities, cryptocurrency, and a credit cooperative society's bank account. ED conducted raids in Mumbai, Pune, and Bengaluru, seizing documents, digital devices, and freezing several bank accounts.
high
OCC
N/A — Industry Rulemaking
The OCC issued a proposed rule for payment stablecoin AML/CFT and sanctions compliance risk management, implementing requirements of the GENIUS Act for permitted payment stablecoin issuers. The American Fintech Council commented on the proposal.
medium
FDIC
N/A — Industry-wide guidance
The FDIC, OCC, and NCUA issued joint guidance on safety and soundness obligations when lending to individuals not legally authorized to work in the U.S., as noted in a July 23, 2026 legal update.
low
OCC
Industry-wide
U.S. banking agencies issued guidance on handling highly sensitive information during bank examinations, including requirements for on-site review and 72-hour breach notification for confidential supervisory information.
low
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Browse all →funding
Candex Extends Series C Past $40M with Strategic HSBC Investment
Candex extended its Series C funding round to over $40 million with a new investment from HSBC. The company provides vendor management and tail-spend solutions for global enterprises. The round extension was announced on Mar 17, 2026.
Payments
partnership
Byline Bank Partners with Lithic as Sponsor Bank for Embedded Card Programs
Byline Bank announced on Jul 27, 2026 that Lithic selected it as a sponsor bank partner. The deal lets Lithic connect technology companies to Byline's banking infrastructure for consumer and commercial card programs. Byline will provide accounts, payments and risk oversight behind Lithic's platform.
CardsPaymentsAccounts
funding
Xflow Raises $16.6M Series A for Cross-Border B2B Payments
Xflow, a cross-border payments platform, closed a $16.6 million Series A led by General Catalyst. PayPal Ventures also participated, alongside existing investors Lightspeed, Stripe, Moore Capital, and Square Peg. CMS IndusLaw advised Xflow on the transaction.
PaymentsFX
partnership
Upstart Receives Conditional OCC Approval for De Novo National Bank Charter
The OCC granted Upstart conditional approval on Jul 23, 2026 to establish Upstart Bank, N.A. as a de novo national bank. The branchless bank would originate loans nationwide and accept FDIC-insured deposits. Upstart filed its charter application in Mar 2026.
LendingAccounts
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