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Best Banking-as-a-Service Platforms in USA in 2025

Published: December 9, 2025

Executive Summary

We analyzed 5 solutions. Top Recommendation: Temenos Platform by Temenos scored highest due to Provides modular architecture with rich functionality and cutting-edge technology, enabling banks to customize solutions to their specific needs..

5 Companies Listed
1

Temenos Platform

temenos.com

Temenos Banking Platform is a comprehensive, modular platform that enables banks to modernize their core systems, deliver innovative solutions, and stay ahead of industry changes. It supports all banking segments and is built on over 30 years of continual innovation, offering a single code base and market-leading R&D.

Key Features:

  • Modular solutions for progressive modernization
  • Extensibility Framework for easy, secure customizations (APIs, data models, events, business processes)
  • Automated testing and DevOps support
  • AI capabilities including patented XAI and GenAI, deployment-agnostic
  • Security standards with Secure Development Lifecycle, OWASP, SANS, and SOC2 compliance
  • Regular, automated updates for continuous improvement
  • Cloud-native and cloud-agnostic deployment (AWS, Azure, Oracle Cloud, Huawei Cloud, Google Cloud, SaaS)
  • Centralized pricing and DevOps tooling
2

Infosys Finacle

infosys.com

Finacle provides a comprehensive suite of digital banking solutions, including core banking, digital engagement, corporate banking, payments, lending, cash management, and wealth management. It is designed to help banks modernize their operations, accelerate cloud adoption, leverage data and AI, and deliver superior customer experiences.

Key Features:

  • Cloud-native and cloud-neutral deployment options
  • Composable, microservices-driven architecture
  • API-first and event-driven design
  • Omnichannel digital engagement
  • Integrated payments platform (ISO20022-native)
  • Advanced security architecture
  • Automation-first process design
  • Integrated and seamless DevOps pipeline
  • Robust data and AI foundations
  • Configurable experience stack for contextual digital experiences
  • Support for population-scale performance
  • Support for open banking innovations
3

Core Banking Platform

mambu.com

Mambu's Core Banking Platform is a cloud-native SaaS solution designed to enable financial and non-financial institutions to build, launch, and scale financial products rapidly. It offers a composable, configurable, and secure environment for delivering lending, deposit, and payment solutions, with robust integration capabilities and a proven track record of reliability and scalability.

Key Features:

  • Cloud-native SaaS architecture
  • Composable and modular platform
  • Configurable with low-code/no-code interface
  • RESTful APIs, Webhooks, Streaming APIs, and open data for integration
  • Full infrastructure management in the cloud (choice of cloud providers)
  • Mission-critical reliability (change tolerance, continuous delivery, integrity, governance)
  • State-of-the-art security and compliance (external certification, penetration testing, 24/7 incident response)
  • Support for all types of lending (business, SME, personal, mortgage)
  • Flexible deposit products (current, savings, term deposits, custom interest/fee options)
  • Real-time, flexible payments (domestic, cross-border, instant, batch)
  • Partner ecosystem for technology, cloud, and solution integration
4

Vault Core provides banks with a flexible, cloud-native core banking system that allows for the creation, simulation, and management of any financial product using smart contracts. It includes a real-time ledger, a comprehensive product library, and a suite of APIs for integration and migration.

Key Features:

  • Universal Product Engine powered by smart contracts
  • Developer-friendly smart contract code for product logic
  • Product Library with ready-to-launch financial products
  • Simulation tools for product performance
  • Product SDK for building, testing, and managing products
  • Real-time Ledger for data management and reporting
  • Comprehensive set of APIs (Core API, Streaming API, Migration API, Posting API)
  • Support for multi-currency, multi-bank, and complex banking operations
  • Flexible product migration and versioning
  • Real-time analytics and reporting
5

Payments

jpmorgan.com

J.P. Morgan Payments is a global payments platform providing end-to-end solutions for commerce, receivables, cross-currency, working capital, blockchain, liquidity, and more. The platform is designed to help businesses of all sizes securely move money, access new markets, and leverage advanced technologies for growth and efficiency.

Key Features:

  • Accept Payments: Card acceptance, automated receivables, digital bill payment, payment gateway, integrated receivables, remote capture, wallet solutions.
  • Process Payments: Automated payables, payment facilitation.
  • Manage Funds: Cash management, liquidity solutions, escrow services, commercial cards, analytics and insights, virtual account management.
  • Send Payments: Domestic and cross-border payments, commercial cards, virtual cards, integrated payables, real-time payments (FedNow), developer portal.
  • Embedded Finance: Banking-as-a-service, wallet, liquidity and account solutions.
  • Blockchain Solutions: Kinexys ecosystem, Liink, Coin Systems, digital assets, blockchain launch.
  • Safeguard Information: Trust and safety, risk assessment, fraud mitigation, global controls.
  • Client Service: 24/7/365 global client support.
  • Developer Platform: APIs and tools for integration and automation.