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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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Innovators We Partner With

Direct bank relationshipUnstoppable scale

Banking & business synergy starts here

  • White Glove Onboarding

    Enjoy a seamless onboarding experience with around the clock client support

  • Digital Account Opening & Servicing

    Open accounts, track payments, and design tailored account structures for your unique needs

  • Ledger & Sub-Accounting

    Leverage powerful tools to build your own custom ledgering and accounting systems

  • Cards & Payments

    Utilize branded debit card issuance and payment rail connections to enhance your financial offerings

  • 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

  • FIS Logo
  • Treasury Prime Logo
  • Alloy Logo
  • Visa Logo_GH Color Scheme

Award-Winning Digital Banking Solutions

  • Best Use of Tech in Business Banking

    Banking Tech Awards USA 2024

  • Best Risk Implementation

    IBSi Global Fintech Innovation Awards 2024

  • Innovation in Integration

    Narmi Innovation Awards 2024

  • 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.

Secure & 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"
       }'
Branded Debit Card

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.

  • Ongoing Compliance Monitoring

    Protect your brand and reputation by partnering with us to ensure your operations remain secure and compliant with the latest regulations

  • Identity Decisioning Platform

    Meet your KYC and AML requirements all while increasing conversions, reducing manual review and preventing fraud.

  • 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

  • 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."

  • 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."

  • 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."

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