qeam.net

Banking as a Service

Banking-as-a-Service (BaaS) is the delivery of regulated banking capabilities — accounts, payments, ledgers, and compliance — through APIs, allowing non-bank platforms to embed financial services into their own products.

Open Your Account 🔒 Instant Digital Onboarding

Last updated:

Key Features

Account issuing API

Programmatically create end-user IBAN accounts and sub-accounts.

Payments orchestration

Initiate SEPA, SWIFT, and local rail payments through one interface.

Ledger primitives

Track balances, holds, and reconciliation events at scale.

Webhooks

Receive real-time events for payments, account status, and compliance flags.

Sandbox environment

Build and test against a full-featured sandbox before going live.

Compliance tooling

KYC, KYB, sanctions, and transaction monitoring exposed via API.

Who Is It For?

Fintech startups

  • ✓ Neobank MVP
  • ✓ Embedded wallets
  • ✓ Earned-wage access

Platforms

  • ✓ Marketplace payouts
  • ✓ Vertical SaaS billing
  • ✓ Treasury for SMBs

Enterprises

  • ✓ Customer trust accounts
  • ✓ B2B account-to-account payments
  • ✓ Embedded finance for partners

How It Works

  1. 1

    Get sandbox keys

    Request access and start building against the sandbox in hours, not weeks.

  2. 2

    Integrate the API

    Follow our reference docs to issue accounts, move money, and ingest webhooks.

  3. 3

    Go live

    Complete commercial and compliance review, then promote your integration to production.

Benefits

Faster time to market

Skip the multi-year licence journey and ship banking features in weeks.

Regulated foundation

Build on an infrastructure designed around AML, KYC, and safeguarding requirements.

Composable

Use only the modules you need — accounts, payments, cards, FX.

Without vs With qeam.net

Without qeam.net

  • • Build banking partnerships from scratch
  • • Custom integrations per payment rail
  • • Compliance built ad-hoc
  • • Slow time to market

With qeam.net

  • ✓ Single API, multiple rails
  • ✓ Pre-integrated payment networks
  • ✓ Compliance tooling out of the box
  • ✓ Sandbox to production in weeks

Frequently Asked Questions

Related services

Corporate IBAN

Dedicated business IBAN accounts for global collections and payouts.

Explore

Individual IBAN

Personal IBANs for everyday and cross-border banking needs.

Explore

Virtual IBAN

Issue unique virtual IBANs to reconcile inbound payments at scale.

Explore

Open Your Banking as a Service Today

Fully digital onboarding. Get verified in minutes, subject to compliance checks.

Open Account