November 10, 2025
In the current financial and technological landscape, companies are seeking solutions that offer agility, security, and innovation to remain competitive. Among the most relevant options are Liquidity as a Service and Blockchain as a Service, models that, although distinct, have the potential to transform financial and digital operations.
While LaaS focuses on immediate liquidity and efficiency in transactions, Blockchain as a Service offers ready blockchain infrastructure for smart contracts and asset traceability. In this article, we will explore the differences, practical applications, benefits, and challenges of each model, helping your company decide which solution is best suited for its needs – or how to integrate them to maximize results.
Liquidity as a Service vs Blockchain as a Service: which makes more sense for your business?
The choice between Liquidity as a Service and Blockchain as a Service depends directly on the goal of your company and the type of operation you need to optimize.
If the main focus is to move funds quickly, manage liquidity in real-time, and operate in multiple currencies, LaaS is the most suitable solution. It ensures that financial transactions occur without bottlenecks, allowing fintechs, exchanges, and credit companies to offer products and services with agility and security, without relying on complex internal structures.
On the other hand, if the priority is to innovate technologically, create immutable records, tokenize assets or automate processes with smart contracts, then Blockchain as a Service is more appropriate. With this, companies can implement modular blockchain applications, explore opportunities for traceability, security, and transparency, without needing to build the entire infrastructure from scratch.
In many cases, the best strategy is to combine both models. For example: a fintech can use Blockchain as a Service to tokenize credits or issue stablecoins, while LaaS ensures immediate liquidity and efficient execution of these transactions. This integrated approach allows for secure innovation, compliance with regulatory requirements, and maintaining agile operations, providing real competitive advantages.
The decision between LaaS and Blockchain as a Service should consider:
Type of operation: financial, technological, or mixed;
Need for liquidity vs blockchain infrastructure;
Regulatory complexity and compliance;
Scalability and integration with authorized partners.
With modular solutions and pluggable APIs, such as those from Azify, companies can adopt LaaS and Blockchain as a Service in a complementary way, tailoring the technology to the business strategy and ensuring embedded compliance, security, and operational efficiency.
Informative content. Does not constitute an offer of securities, currency exchange, or payment services. Past performance does not guarantee future results. Azify acts directly or through duly authorized partners, according to the scope.
What is Liquidity as a Service (LaaS)?
Liquidity as a Service is a model that provides access to liquidity, allowing companies to move funds quickly, securely, and automatically. Through plugable APIs, the company can integrate its systems with authorized partners, reducing reliance on intermediaries and optimizing financial operations in real-time.
In practice, LaaS is useful for:
Exchanges and OTC desks, which need to balance large trading volumes in real-time;
Fintechs that operate in multiple currencies, ensuring that international transactions flow without bottlenecks;
Companies that need to manage liquidity risk, monitoring operations and avoiding excessive exposure.
The great differentiator of LaaS is agility and global liquidity, allowing businesses to launch financial products quickly and maintain continuous operations without interruptions.
What is Blockchain as a Service?
Blockchain as a Service, on the other hand, offers ready-to-use blockchain infrastructure, without the company having to develop all the technology from scratch. With Blockchain as a Service, it is possible to create distributed applications, smart contracts, and secure data recording solutions, leveraging the security and transparency of blockchain.
Examples of applications include:
Asset traceability in supply chains;
Tokenization of assets and issuance of stablecoins or NFTs;
Secure payments and transfers, integrated with internal systems of banks or fintechs.
The Blockchain as a Service allows companies to experience innovation with blockchain in a modular way, with scalability and without investing large resources in their own infrastructure.
Structural differences: liquidity vs infrastructure
While LaaS focuses on fund movement and immediate liquidity, Blockchain as a Service concentrates on blockchain technological infrastructure. The difference can be summarized as follows:
Liquidity as a Service: operational financial solution; moving funds, reducing friction in transactions, and providing risk monitoring.
Blockchain as a Service: technological solution; creates immutable records, smart contracts, and secure applications on blockchain.
Although distinct, both can integrate to provide secure and efficient innovation. For example, a fintech can use Blockchain as a Service to tokenize assets and LaaS to enable liquidity and immediate execution of transactions.
Practical applications of Liquidity as a Service and Blockchain as a Service
Liquidity as a Service
International payments: multi-currency integration with immediate global liquidity;
Real-time risk management: continuous monitoring prevents unwanted financial exposures;
Credit fintechs: rapid fund availability for loan or investment operations.
Blockchain as a Service
Asset tokenization: issuance of digital securities or stablecoins on blockchain;
Process traceability: supply chain, audits, and immutable records;
Smart contract platforms: automation of agreements, compliance, and executions without manual intervention.
What are the benefits of each model?
Each model – Liquidity as a Service and Blockchain as a Service – offers specific advantages that meet different needs of businesses.
While LaaS focuses on financial agility, immediate liquidity, and secure multi-currency operation, Blockchain as a Service delivers technological infrastructure ready for smart contracts and asset tracking.
Understanding the benefits of each approach helps to decide which solution to adopt or how to integrate them to enhance efficiency, security, and scalability in business.
Model | Benefits | Practical Examples |
LaaS | Immediate access to liquidity; real-time monitoring; multi-currency integration; embedded compliance | Exchanges, OTC desks, credit fintechs |
Blockchain as a Service | Ready blockchain infrastructure; smart contracts; asset tokenization; transparency and security | Tokenization of real estate, NFTs, supply chain, digital payments |
Common and Specific Challenges
Although Liquidity as a Service and Blockchain as a Service offer strategic benefits, each model presents its own challenges that need to be considered. From dependency on partners and risk management in LaaS to the technological learning curve and blockchain selection in Blockchain as a Service, understanding these difficulties is essential to implement solutions efficiently and securely.
Challenges of LaaS
Dependency on partners for liquidity;
The need for continuous integration with multiple platforms;
Risk management and compliance in different jurisdictions.
Challenges of Blockchain as a Service
Technological learning curve;
Choosing the right blockchain (public, private, or permissioned);
Operating costs and scalability depending on the intensive use of transactions.
Despite the challenges, both models offer strategic advantages when implemented correctly, especially with modular solutions and integrated compliance, such as those offered by Azify.
When do Liquidity as a Service and Blockchain as a Service complement each other?
There are scenarios where using Liquidity as a Service and Blockchain as a Service together is extremely advantageous:
A global payments fintech can tokenize credits with Blockchain as a Service and ensure immediate liquidity with LaaS;
Companies that offer digital investment products can register assets on the blockchain and use LaaS to move funds instantly;
Crypto asset exchanges can automate financial operations via LaaS while recording transactions with Blockchain as a Service, ensuring transparency and regulatory compliance.
This integration allows for secure innovation, accelerates the time-to-market, and minimizes operational and regulatory risks.
Informative content. Does not constitute an offer of securities, exchange or payment services. Past performance does not guarantee future results. Azify operates directly or through duly authorized partners, as per the scope.
How does Azify operate in both models?
A Azify offers modular and pluggable solutions, allowing companies to adopt LaaS and Blockchain as a Service in an integrated and secure manner:
Ready-to-use APIs: connect internal systems to global liquidity and blockchain infrastructure;
Embedded compliance: regulatory rules incorporated into workflows, reducing risks and facilitating audits;
Modular scalability: companies can expand financial or blockchain operations as needed, without large initial investments;
Real examples: Azipay processes payments in Brazil and internationally, integrating liquidity via LaaS and secure records via Blockchain as a Service.
In this way, Azify allows companies to innovate without compromising security, compliance, and operational efficiency.
Liquidity as a Service and Blockchain as a Service have distinct but complementary roles:
Liquidity as a Service offers financial agility and immediate liquidity, essential for fintechs, exchanges, and multi-currency operations;
Blockchain as a Service provides secure and scalable blockchain infrastructure, fundamental for tokenization, traceability, and smart contracts.
Understand how to integrate global APIs securely and efficiently. See how to integrate global APIs with Azify and discover best practices for combining liquidity, blockchain innovation, and regulatory compliance in a structured way.
