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Banking-as-a-Service infrastructure
for Platform-based Models
Deliver banking, payments, and financial services through regulated partners without
holding a full banking licence.
What Is Banking-as-a-Service?
Banking-as-a-Service (BaaS) enables businesses to embed regulated banking and
payment functionality into their products using licensed infrastructure providers.
This allows companies to offer accounts, payments, and financial features while the
underlying regulatory obligations remain with the licensed institution.
Who BaaS Is Typically Used By?
Fintech platforms and startups
Marketplaces and SaaS businesses
Payment and wallet providers
Platforms offering embedded financial features
Key Capabilities
Regulatory & Structural Considerations
BaaS models require careful alignment between the platform, the licensed provider, and regulatory expectations.
Considerations include jurisdictional scope, safeguarding of funds, compliance responsibilities, and commercial viability.
How We Support
We help businesses assess whether BaaS is appropriate for their model and identify
infrastructure providers aligned with their regulatory and commercial objectives.
Frequently Asked Questions
Have a question? Here are some of the most common ones we’re asked by clients.
What types of providers will New Age Partners connect me with?
New Age Partners connects clients with a curated network of regulated financial institutions and payment service providers. These may include EMI banks, traditional banks, payment institutions, and alternative payment providers that offer solutions such as business accounts, safeguarding, international payments, and transactional services. Providers are selected based on the client’s business model, jurisdiction, risk profile, and operational needs.
How do providers charge for their services?
Pricing models can vary among providers and are influenced by various factors. These factors include the risk profile associated with the entity being onboarded and the anticipated transaction volumes. Typically, the fee structure includes:
– Account opening fee
– Monthly maintenance fee
– Inbound percentage charge
– Outgoing payment fees (SWIFT, SEPA, FPS)
Is my business eligible for these services?
Eligibility depends on factors such as your business activity, jurisdiction, ownership structure, compliance standards, and risk profile. Most providers require transparent operations, legitimate revenue sources, and full KYC/AML documentation. New Age Partners conducts an initial assessment to determine suitability and will only proceed if there is a strong likelihood of successful onboarding.
How long does it take to open one of these financial facilities?
Timelines vary depending on the provider, the complexity of the business structure, and the completeness of submitted documentation. In most cases, onboarding can take anywhere from 2 to 8 weeks. Businesses operating in higher-risk industries or multiple jurisdictions may require additional review and extended timelines.
New Age Partners is an independent consultancy, but it has multiple businesses in the group - how does that work?
New Age Partners operates as an independent consultancy within a wider group of financial and technology businesses. While we are part of a broader group, our advisory function remains operationally independent.
This means our consultants are not tied to any single provider or product and are not required to promote in-house solutions. Each client engagement is assessed on its own merits, with recommendations based on suitability, regulatory alignment, and long-term viability rather than internal commercial incentives.
Where relevant, we may introduce group capabilities alongside external partners, but clients are always presented with transparent options and remain free to choose the solution that best fits their needs.
Which jurisdictions do you operate in?
We operate internationally and support clients across multiple jurisdictions, including the UK, Europe, APAC, and key global financial centres.
Our partner network includes banks, EMIs, payment institutions, and service providers across major regulated markets, enabling us to support businesses with cross-border operations, multi-currency requirements, and international expansion strategies.
Jurisdictional availability ultimately depends on the client’s business model, regulatory profile, and operational footprint. During the initial consultation, we assess these factors to determine which jurisdictions and institutions are realistically accessible.