Baasplus — White-Label Banking Platform

What we built

A complete banking platform a brand can run on

Baasplus is a white-label banking platform: accounts, cards, payments, stablecoin international payments, digital onboarding, back-office and analytics — everything a brand needs to offer a modern banking product, built and operated by HKMSP.

Instead of stitching together a dozen vendors, a brand launches its banking product on one platform we designed, engineered and operate — with the apps, the back-office and the integrations to card, banking and payment partners all in one place. It already powers two European fintechs operating in the EU.

Inside the platform

The modules of a modern banking product

Everything from opening an account to moving money, issuing cards and staying compliant — as one coherent platform.

Accounts & IBANs

Multi-currency business accounts with dedicated IBANs, balances, statements and beneficiary management — the core ledger of a modern banking product.

Payments & SEPA transfers

Instant SEPA and cross-border transfers with per-transaction, daily and monthly limits, so money moves quickly and within policy.

Card management

Issue virtual and physical payment cards, manage employee cards, and set spending limits and lifecycle controls — activate, freeze or replace in-app.

Business & teams

Employee cards with spending profiles, bulk issuance, role-based access for collaborators and invitations to shared business accounts.

Digital onboarding (KYC/KYB)

Fully digital identity and business verification — document capture, liveness and beneficial-owner checks — so customers open an account without paperwork.

Statements & reports

Account and card statements, transaction reports and receipts generated as PDFs, with consistent timezone and formatting policies.

Bill payments & services

Utility and tax payment rails, phone top-ups and voucher services, integrated with the same accounts, limits and receipts.

Acceptance & POS

Merchant onboarding with risk scoring, POS terminal ordering and management, payment acceptance and settlement visibility.

Stablecoin international payments

Fast, low-cost cross-border payments settled over stablecoin rails, with on/off-ramps between local currency and stablecoins, quotes and compliance checks built in.

Back-office & compliance

An operations and compliance console for onboarding review, monitoring, limits, card and account controls and customer support.

Apps & portals

Customer apps and operator portals, one platform

A native banking app for customers and web portals for operations and analytics — all sharing the same secure foundation.

One codebase

A single cross-platform codebase powers the customer banking app across web, iOS and Android — every feature written once and validated everywhere.

Web portals

Companion web portals — an operations and compliance back-office, plus an investor and analytics dashboard — share the same platform and data.

Cloud-native backend

Cloud-native APIs on Google Cloud (GCP) infrastructure give the platform a fast, strongly-consistent and highly-available foundation.

Built to be operated

Strong authentication, encryption, monitoring and integrations with banking, card and payment partners are engineered in — so HKMSP can run it safely, day after day.

White-label

One platform, any brand

Baasplus was built multi-brand from day one. Everything customers see — and everything regulators read — carries the brand’s identity, driven by configuration instead of forks.

Your brand, by configuration

Logos, colours, light and dark themes, app names and store identities are brand assets and settings — the same code renders a completely different app per brand.

Six languages built in

Apps, notifications and branded email templates ship in six languages — with extra languages added on request — and your legal entities substituted throughout.

Feature flags per brand

Cards, bill payments, POS, international rails and more switch on per brand and per release channel — launch lean and enable modules as the product matures.

Your legal entities

Owner and operator entity names are configuration placeholders substituted across the app, statements and documents — aligned with your corporate and licensing structure.

Your suppliers, your stack

Each brand selects its own BaaS/EMI partners; different brands already run different suppliers on the same platform today.

Isolated per brand

Every brand runs in its own cloud projects, databases and secrets — sharing a platform never means sharing data.

Integrations

Connected where it counts — and extensible

The platform ships with a driver-based integration layer that already speaks to the services a banking product needs. When a project needs another supplier, HKMSP adds the driver.

BaaS & EMI rails

Accounts, IBANs, payments and card issuing ride on licensed banking-as-a-service providers and e-money institutions — switching or mixing rails is a supported pattern.

Identity verification

KYC for individuals and KYB for companies — documents, liveness and beneficial-owner checks — through integrated identity-verification partners.

Payments & bill rails

National bill-payment and tax rails, phone top-ups and voucher services plug into the customer app as first-class services with receipts and history.

Stablecoin & international

Cross-border payment rails and stablecoin on/off-ramps through specialised partners, with quotes, beneficiaries and compliance checks handled by the platform.

POS & acquiring

Merchant onboarding, POS terminals and payment acceptance, reconciled in the back office alongside accounts and cards.

Extensible by design

Need a different KYC provider, a local payment rail or your group’s core system? The driver model is how HKMSP adds it — scoped, built and operated as part of the platform.

The platform behind it

Built on Google Cloud, operated in-house

Money demands correctness, availability and security. Baasplus runs on Google Cloud (GCP) infrastructure that HKMSP architected, secured and operates.

Cloud-native APIs

The banking, onboarding, admin and investor services run as cloud-native APIs on Google Cloud (GCP) infrastructure, scaling with demand.

Managed, consistent data

A managed, strongly-consistent database on Google Cloud (GCP) infrastructure keeps accounts, transactions and balances correct — essential for money.

European data residency

The platform runs in a European Google Cloud (GCP) region, keeping data close to customers and aligned with where the service is offered.

Managed authentication

Identity, sign-in and session security use managed authentication with multi-factor and device-level biometric or PIN protection.

Observability & operations

Structured logging on Google Cloud, encrypted secrets and monitored operations mean issues are seen and handled — the platform is run, not just shipped.

Engineered & operated in-house

HKMSP designs, builds and operates Baasplus end to end. One team owns the architecture, the integrations and the day-two operations.

Trust

Secure and compliant by design

A platform that moves money and holds accounts deserves engineering that treats security and compliance as the starting point.

Banking-grade security

Strong authentication, encrypted secrets and data, granular access control and audited operations are foundations of the platform, not afterthoughts.

Built for a regulated service

The platform is engineered to support a regulated, PSD2-aligned e-money service — operated on top of a brand’s licensed banking-as-a-service or e-money partners.

Built on Google Cloud

Everything runs on Google Cloud (GCP) infrastructure in Europe — a managed, highly-available foundation engineered for reliability, scale and security.

Customer banking across web, iOS and Android.

The full picture

Everything Baasplus brings together

One platform for accounts, payments, cards, onboarding, operations and analytics — ready for a brand to run on.

Multi-currency accounts & IBANs

Instant SEPA & cross-border transfers

Stablecoin international payments

Virtual & physical card issuing

Business & employee cards with profiles

Card & spending controls

Fully digital KYC / KYB onboarding

Statements, reports & receipts (PDF)

Bill, tax & top-up payments

Acceptance, POS & QR payments

Back-office & compliance console

Investor & analytics dashboard

Strong auth, MFA & biometric lock

Six languages (more on request)

Multi-brand by configuration, not forks

Web, iOS and Android from one codebase

baasplus.net

The platform, live

See it live

Explore the platform at baasplus.net

Baasplus is a white-label banking platform — accounts, multi-currency IBANs, instant SEPA transfers, stablecoin-powered international payments, card issuing, digital onboarding, a compliance back office and analytics, delivered as a cross-platform app in six languages. It already powers two European fintechs operating in the EU, and HKMSP designed, built and operates it end to end.

See the full platform at baasplus.net, read how we built it, or explore how the same engineering can work for you.

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Baasplus — White-Label Banking