Innovative BaaS Platform Built to Support Financial Innovation
Modern APIs, flexible products, and an experienced team to get you to market quickly while maintaining the highest standards of security and compliance.
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Lauren McCollom
SVP, Head of Embedded Finance
[email protected]Innovators We Partner With
Direct bank relationshipUnstoppable scale
Banking & business synergy starts here
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White Glove Onboarding
Enjoy a seamless onboarding experience with around the clock client support
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Digital Account Opening & Servicing
Open accounts, track payments, and design tailored account structures for your unique needs
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Ledger & Sub-Accounting
Leverage powerful tools to build your own custom ledgering and accounting systems
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Cards & Payments
Utilize branded debit card issuance and payment rail connections to enhance your financial offerings
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Enhanced FDIC Insurance
Access multi-million dollar FDIC insurance without the hassle of multiple bank relationships
Best in class partnersBanking & technology leaders invested in your success
Award-Winning Digital Banking Solutions
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Best Use of Tech in Business Banking
Banking Tech Awards USA 2024
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Best Risk Implementation
IBSi Global Fintech Innovation Awards 2024
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Innovation in Integration
Narmi Innovation Awards 2024
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Best Use of Tech in Banking
Banking Tech Awards USA 2023
What is BaaS?
Banking-as-a-Service (BaaS) enables third-party companies, particularly non-banks, to offer financial services by integrating with a bank's infrastructure through Application Program Interfaces (APIs). This integration allows you to access banking functionalities without needing to build your own systems, streamlining the development of financial products, enhancing customer experiences, and expanding the reach of banking services by embedding them into your digital platforms, apps, and services.
Discover more embedded finance solutions
Explore SolutionsSecure & efficient money movement
$ curl -u $API_KEY_ID:$API_KEY_VALUE https://api.grasshopper.bank/billpay/payment \
-H 'Content-Type: application/json' \
-d '{
"account_id": "acct_1234567890",
"amount": "20.00",
"billpay_counterparty_id": "bpcp_0987654321",
"person_id": "owner_1234567890"
}'
$ curl -u $API_KEY_ID:$API_KEY_VALUE https://api.grasshopper.bank/check_deposit \
-H 'Content-Type: application/json' \
-d '{
"account_id": "acct_1234567890",
"amount": "100.00",
"back_image_file_id": "file_0987654321",
"front_image_file_id": "file_1234567890",
"device": {"os_name": "ios",
"os_version": "12"},
"person_id": "owner_1234567890"
}'
$ curl -u $API_KEY_ID:$API_KEY_VALUE https://api.grasshopper.bank/ach \
-H 'Content-Type: application/json' \
-d '{
"account_id": "acct_1234567890",
"amount": "100.00",
"counterparty_id": "cp_0987654321",
"direction": "credit",
"sec_code": "ccd"
}'
$ curl -u $API_KEY_ID:$API_KEY_VALUE https://api.grasshopper.bank/ach \
-H 'Content-Type: application/json' \
-d '{
"amount": "100.00",
"from_account_id": "acct_1234567890",
"to_account_id": "acct_0987654321"
}'
From digital to physicalBranded Debit Cards
Issue, distribute, and manage customizable, tokenized virtual and physical cards to generate additional revenue, strengthen customer loyalty, and keep your brand front and center in users' daily lives.
Grasshopper GuidanceAn experience, nimble team you can trust
Our dedicated BaaS team brings over a decade of fintech experience, having successfully launched over 50 partnerships. We understand the intricacies of technology and excel at navigating the regulatory landscape. As your strategic partner, we are committed to getting your business to market swiftly and will work tirelessly to ensure your long-term success.
Proactive approachReliable compliance & risk management
At Grasshopper, we take a proactive approach to risk management to ensure fintechs have the stability, security, and strategic support they need to scale responsibly and succeed.
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Ongoing Compliance Monitoring
Protect your brand and reputation by partnering with us to ensure your operations remain secure and compliant with the latest regulations
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Identity Decisioning Platform
Meet your KYC and AML requirements all while increasing conversions, reducing manual review and preventing fraud.
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Admin Console with Reporting
Stay in control with access to the developer sandbox, transaction reporting for risk decisioning and more.
Client TestimonialsWhy Fintechs Choose Grasshopper
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Pocketbook
"Pocketbook has never had a better partnership than the one we have with Grasshopper. The team at Grasshopper Bank exemplifies hard work, collaboration, dedication, and knowledge in every single interaction we have with them, and we wouldn't be here today without their steadfast commitment to being a responsible yet flexible banking partner. We are in it for the long haul with Grasshopper, and we look forward to all of our shared successes."
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Manifest
"Grasshopper Bank has been an exceptional partner, making collaboration seamless with their expertise and customer-centric approach. Our shared commitment to putting creators first has helped deliver the products and services they need to thrive. Grasshopper’s professional, responsive, and deeply knowledgeable team brings care and innovation to everything we do together. We’re grateful for their partnership and excited to keep building the best solutions for our customers."
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Sydecar
"Sydecar makes it simple and efficient for venture fund managers and syndicate managers to form special purpose vehicles (SPVs) and funds by automating banking, compliance, contracts and reporting. Our customers are funding world-changing innovation, and we simplify the flow of this capital. Grasshopper has helped us with automated payment rails that allow Sydecar to open bank accounts in hours and get our deals closed on timelines that meet the needs of customers. They help us do all of this in a compliant manner. Along the way, they have been collaborative partners as we've built our business, tailoring our relationship to our growth and needs."
Ready to start building?
"*" indicates required fields
Lauren McCollom
SVP, Head of Embedded Finance
[email protected]
Unlock your ability to scale efficiently
Whether you want to utilize APIs for your own corporate use, or originate financial transactions on behalf of your customers, we have you covered.
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Banking build for startups, optimized for growth
Open an Accelerator Checking account an earn unlimited 1% cash back and up to 3.55% APY when bundled with an Accelerator Savings account. Plus, free domestic wire transfers with an average balance of $25,000 or more.
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Solutions designed to propel your firm forward
Secure operating accounts, flexible financing solutions, powerful treasury management tools designed to support all stages of the fund lifecycle and unique needs of your firm.
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