Banking as a Service: embed payments and accounts into your product

Use Narvi’s API to integrate IBAN accounts, SEPA and SWIFT payments, KYC onboarding, and multi-currency wallets into your platform. Operate across the EEA under our EMI licence.

The problem: building financial infrastructure is slow, expensive, and regulated

You’re building a fintech product, a marketplace, or a platform that needs embedded financial services. The challenge: getting there on your own means securing a licence, negotiating banking partnerships, building payment integrations, and standing up a compliance function – all before you can serve a single customer.Traditional routes take 12–18 months and six-figure budgets. Regulatory requirements under PSD2 and EMD2 are complex. And even once you’re live, maintaining compliance across multiple EEA jurisdictions is a continuous operational burden.

The solutionNarvi’s Banking as a Service removes these barriers. Instead of building from scratch, you integrate a licensed infrastructure layer via API and focus on what you do best: your product and your customers.

Apply to become a partner

Who is it for?

Accounting and legal firmsYou're already recommending banking providers to clients. Now those referrals generate recurring revenue.

Company registration and legal servicesAccount opening is the #1 post-incorporation bottleneck your clients hit. Solving it completes your service package and keeps the relationship.

Event organizersYour exhibitors, sponsors, and attendees are exactly the businesses that traditional banks reject. Every introduction you make at your own event earns.

Community managersYou're the person everyone in the group asks, "Where can I open an account?" Now that answer pays you monthly.

Ready to become a fintech banking partner? It takes 5 minutes to apply.

Apply to become a partner

What you get with Narvi BaaS

Narvi provides the regulated infrastructure; you build the experience. Every capability below is accessible via our REST API, with Node.js and Python integration libraries and real-time webhooks.

IBAN accounts and walletsGenerate dedicated IBAN accounts programmatically for your end users. Each IBAN is unique to the account holder – funds are fully segregated and traceable. Support for multiple IBANs per entity enables fund separation for compliance-sensitive use cases such as investment funds, property management, or marketplace escrow.

Payments: SEPA, SEPA Instant, and SWIFTInstruct euro payments via SEPA Credit Transfer or SEPA Instant (settled in seconds, 24/7, via smart routing). For cross-border payments outside the SEPA zone, use SWIFT to send to 100+ countries in 75+ currencies. Inbound payments supported in EUR, USD, and GBP.

Onboarding and KYC/KYBRun the full client onboarding flow via API: collect business and personal information, trigger ID verification, submit KYB documentation, and receive approval status programmatically. Narvi’s compliance team handles the review – your users experience a seamless, branded onboarding without knowing Narvi is behind it.

Licensing and regulatory coverNarvi holds an Electronic Money Institution (EMI) licence issued by the Finnish Financial Supervisory Authority (FIN-FSA), registration number 3190214-6. This licence is passported to all 30 EEA member states, enabling your product to operate across Europe without obtaining a separate licence in each country.Two partnership models are available: operate fully under Narvi’s licensing umbrella, or pursue an agent licence with Narvi’s support in the FIN-FSA application process.

Ready to become a fintech banking partner? It takes 5 minutes to apply.

Apply to become a partner

How the integration works

Narvi’s BaaS infrastructure serves businesses that need to embed financial services into their own products:

Scoping call

We map your product requirements to Narvi’s modular capabilities and agree on the integration scope.

API access

You receive API credentials.

Integration

Your development team integrates the required endpoints. Our BaaS team provides dedicated technical support throughout.

Compliance setup

We configure KYC/KYB flows, transaction monitoring, and reporting to match your product’s requirements.

Go live

Launch your product with Narvi’s infrastructure handling payments, accounts, and compliance behind the scenes.

Who uses Narvi BaaS

Fintechs and neobanksLaunch a payment app, digital wallet, or neobanking product without building the regulated infrastructure from scratch.

Marketplaces and platformsEnable seller payouts, buyer wallets, or escrow accounts within your platform via API.

Crypto and Web3 companiesBridge fiat and crypto with dedicated IBANs, SEPA payments, and OTC conversion services. Narvi onboards licensed VASPs.

PSPs and payment facilitators:Extend your payment product with IBAN accounts and SEPA/SWIFT settlement without securing your own EMI licence.

SaaS platformsAdd embedded finance features - invoicing, payouts, treasury management - to your existing software product.

Find your use caseFind your use case

Ready to build on Narvi’s infrastructure?Whether you’re launching a new fintech product or adding embedded finance to an existing platform, our BaaS team will scope the right integration for your needs.

Connect with us

Narvi Payments Oy Ab is an Authorized Electronic Money Institution (EMI). Narvi’s EMI license is granted by the Finnish Financial Supervisory Authority (FIN FSA) with the registration number 3190214-6. Narvi’s license is passportised to all European Union countries.

Built and regulated in Finland

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