Powering the Future of Embedded Finance
At UTL, we offer robust, secure, and scalable Banking as a Service (BaaS) solutions designed for businesses looking to embed financial services directly into their digital platforms. Whether you're a fintech startup, e-commerce company, or marketplace platform, our BaaS infrastructure helps you launch, scale, and innovate—without becoming a bank yourself.
Banking as a Service is a modern, API-driven model that enables non-banking businesses to offer financial products—such as accounts, payments, cards, lending, and more—by leveraging our regulated banking infrastructure.
We provide the compliance, licensing, and technology, while you create exceptional financial experiences for your customers.
As a licensed BaaS provider, we handle the heavy lifting—so you can focus on what matters most: your users, your product, and your growth.
Our modular APIs let you launch financial services in weeks, not months. Skip the complexity of building banking systems from scratch.
No need for banking licenses or a full compliance team. Our infrastructure-as-a-service model keeps your overhead low and operations smooth.
We handle KYC, AML, transaction monitoring, data privacy, and reporting—keeping you compliant with local and global regulations.
Design custom experiences with embedded financial tools your users love—without ever leaving your app or platform.
We offer a full suite of banking capabilities through secure, developer-friendly APIs.
Offer personal or business accounts with real-time balances, transaction history, and smart fund management.
Issue branded debit or prepaid cards to your users—fully integrated and instantly usable.
Enable ACH, wire transfers, direct debits, and instant payouts across multiple channels.
Provide embedded credit options like BNPL, working capital loans, or salary advances using our risk and scoring models.
Automate user verification and prevent fraud with our built-in regulatory checks and monitoring tools.
Our platform is designed to be simple for developers and powerful for product teams.
RESTful, well-documented APIs
Sandbox environment for testing and prototyping
Real-time webhooks and event logging
Dashboard for analytics, user management, and reporting
Need help integrating? Our solution engineers are here to support you at every step.
Banking is serious business. That’s why we invest in enterprise-grade security and constant compliance monitoring.
End-to-end encryption for all data
Tokenization and secure vaults for sensitive info
Built-in KYC/AML workflows
Full audit trails and regulatory reporting
GDPR, PCI-DSS, and ISO-compliant infrastructure
Trust is everything in finance—and we earn it every day.
We empower innovators across industries:
Fintech apps offering neobanking features
E-commerce platforms enabling seamless checkout with embedded finance
Gig economy platforms with instant payouts and digital wallets
Marketplaces providing seller accounts and credit lines
SaaS platforms embedding payment and financial tools natively
If your users need better, faster, smarter access to financial services—we’re here to help.
A leading ride-sharing platform partnered with us to offer instant payouts to drivers and launch branded debit cards. Within six weeks, they had a live, compliant banking product in the hands of thousands of users—no banking license required.
Want to be our next success story?
The world is moving toward embedded finance—where banking features are seamlessly built into digital experiences. As your BaaS partner, we help you stay ahead of the curve with future-ready capabilities like:
Cross-border payments
FX and multi-currency accounts
Digital wallets
DeFi integrations (coming soon)
With our platform, you can build the next big thing in finance—one API at a time.
Looking to add banking features to your app or platform? Let’s talk.
📞 Schedule a Demo : 9334 395471
📧 Contact Us