June 5, 2025
In the beginning, almost every fintech has the same ambition: to solve a specific pain point with a better experience than traditional banks. But sooner or later, a question emerges: is it worth building the banking infrastructure behind all of this?
This is where Banking as a Service (BaaS) comes in — not as a shortcut, but as a real leveraging platform.
Understanding BaaS in Practice
Banking as a Service is the offering of banking infrastructure via APIs, which enables other companies to provide financial services (such as accounts, transfers, cards, TED, Pix, etc.) without needing to become a financial institution.
In practice, you don’t build the bank, but build on top of the bank — using regulated and auditable components to assemble your own solution.
By using an infrastructure like Azify's, for example, your fintech can:
Open accounts with built-in compliance
Operate with Pix directly with Bacen
Integrate cards, billing, and financial movement
Delegate the dirty work of reconciliation, ledger, AML
You take care of the product, Azify takes care of what is invisible (and essential).
Why Do Fintechs Get Stuck Along the Way?
The MVP works. But when the product scales, the cost of internal infrastructure explodes — not only in time and money but also in regulatory responsibility, legal risk, and operational complexity.
You need to become an expert in Bacen, SLC, STR
Implement compliance, reconcile accounts, maintain segregated balance
Deal with audits, fraud, and the learning curve of banking
All of this takes focus away from the core — and creates technical debt that incurs high interest.
BaaS is not outsourcing, it is intelligent abstraction of infrastructure. You maintain control over the product and the experience but operate on a solid foundation that has already gone through the pains you don’t need to experience.
Scaling Efficiently: Where BaaS Really Helps
Time to Market: go from zero to a functional banking product in weeks, not months.
Focus: direct the team toward experience, differentiation, and acquisition — not to understanding the SPB.
Compliance and Regulation: operate with standards required by Bacen and CVM, without bearing the burden alone.
Modularity: use only what you need — accounts, payments, cards, investments — without inflating your stack.
At Azify, each financial component (account, investment, payment) is pluggable via API, with its own banking engine, real testing environment, and integration with automated compliance. You don’t need to deploy a monolithic tower. You fit what makes sense.
The Future is Infrastructure, but Without Friction
Every fintech, sooner or later, needs to scale. The question is: do you want to scale a product or a regulatory structure?
Banking as a Service exists so that innovation is not held hostage by bureaucracy, and so that you can build something great without carrying the weight of a bank on your back.
Build what matters. The rest, we handle with infrastructure.
Understanding BaaS in practice
Banking as a Service é a oferta de infraestrutura bancária via APIs, que permite a outras empresas oferecerem serviços financeiros (como contas, transferências, cartões, TED, Pix, etc.) sem precisar se tornar uma instituição financeira.
Na prática, você não constrói o banco, mas constrói sobre o banco — usando componentes regulados e auditáveis para montar sua própria solução.
Ao usar uma infraestrutura como a da Azify, por exemplo, sua fintech pode:
Abrir contas com compliance embutido
Operar com Pix direto com o Bacen
Integrar cartão, cobrança e movimentação financeira
Delegar o trabalho sujo de conciliação, ledger, PLD
Você cuida do produto, a Azify cuida do que é invisível (e essencial).
Por que fintechs travam no meio do caminho?
The MVP can go. But when the product scales, the internal infrastructure cost skyrockets — not only in time and money but in regulatory responsibility, legal risk, and operational complexity.
You need to become an expert in Bacen, SLC, STR
Implement compliance, reconcile accounts, maintain segregated balance
Handle audits, fraud, and the banking learning curve
All of this takes focus away from the core — and generates technical debt that incurs high interest.
BaaS is not outsourcing, it is intelligent abstraction of infrastructure. You retain control of the product and the experience, but operate on a solid foundation that has already gone through the pains you don't need to endure.
Scaling efficiently: where BaaS truly helps
Time to Market: sair do zero com um produto bancário funcional em semanas, não meses.
Foco: direcionar o time para experiência, diferenciação e aquisição — não para entender o SPB.
Compliance e Regulação: operar com padrões exigidos pelo Bacen e CVM, sem carregar o fardo sozinho.
Modularidade: usar só o que você precisa — contas, pagamentos, cartões, investimentos — sem inflar seu stack.
Na Azify, cada componente financeiro (conta, investimento, pagamento) é plugável via API, com motor bancário próprio, ambiente de testes real e integração com compliance automatizado. Você não precisa implantar uma torre monolítica. Você encaixa o que faz sentido.
O futuro é infra, mas sem fricção
Toda fintech, mais cedo ou mais tarde, precisa escalar. A pergunta é: você quer escalar um produto ou uma estrutura regulatória?
Banking as a Service existe para que a inovação não fique refém da burocracia, e para que você possa construir algo grande sem carregar o peso de um banco nas costas.
Construa o que importa. O resto, a gente resolve com infraestrutura.
