Browse available modules: Accounting, AML/KYC, Customers, Transactions, Reports, etc. Four operational domains on one database, one API, one audit trail.
Explore the platformCore Banking Software Built for Compliance and Efficiency
Integrated modular core banking software based on microservices — from IFRS-based general ledger, payment processing and regulatory reporting to AML compliance, customer relationship management, and white-label apps. One platform replaces your accounting system, compliance vendor, CRM, and client-facing apps.
Cloud-hosted from €8,000/month. Source code licence available.
Deploys in the cloud or on-premises. Supports both fiat and digital asset business models. Provides accounting and general ledger capabilities aligned with IFRS, FRS 102.
An accounting-first platform
Not a ledger bolted onto a stack of tools. Every transaction - payment, fee, FX conversion, card charge - posts as a double-entry to an IFRS general ledger in real time. No end-of-day batch. No middleware to stitch data together.
Core Finance.
The accounting is a backbone of the system.
Chart of Accounts • General ledger • Multicurrency accounting • Fees & Tariffs • Financial & Regulatory Reporting
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Payments & Cards.
Every major scheme, full card lifecycle.
Payment Orchestration & Processing • Card Issuance & Lifecycle Management
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Compliance & AML/KYC.
End-to-end compliance — no fragmented operations.
Customer onboarding • Biometric ID • Sanctions, PEP & adverse media checks • Risk scoring • AML/CTF monitoring • Transaction monitoring
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Customer Experience.
White-label apps, CRM, and messaging — all wired to the core.
White-label internet bank • iOS/Android mobile apps • CRM • Secure messaging • Notifications
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Platform Overview
360° overview of all operations on the platform. The integrated nature of Baseella allows you to monitor all key performance and risk indicators in one place.
A unified customer record across your entire platform. Identity, accounts, cards, balances, documents, risk assessment, customer communication, and tariffs in one audit-ready profile.
Baseella interface is accessible from any web browser. There is no need to install any native applications, drivers, and other software. The PayTech operations team can effectively carry out their tasks using any type of computer or tablet with any web browser.
Your brand, your customer experience. White-label web and mobile apps give customers direct access to their accounts, payments, FX, cards, and other services, fully integrated with Baseella.
Core banking software built for your type of institution
EMI, PI, Neobanks, MSBs, Crypto on/off-ramps and Stablecoin Issuers each have their own regulatory requirements, their own risks, and their own reporting. Baseella adapts - to each of their requirements.
Electronic Money Institutions (EMI)
Built for e-money compliance from day one — automated safeguarding reconciliation, Method D capital adequacy, and foreign currency positions revaluation on one ledger.
Safeguarding compliance at risk
Safeguarding reconciliation runs automatically from the live ledger, eliminating manual calculations and spreadsheet-based reporting.
Capital adequacy breach
Live capital adequacy reporting alerts you before capital falls below regulatory requirements across Methods A, B, C, and D.
FX revaluation errors
All foreign currency balances are automatically revalued in accordance with IFRS/FRS 102 standards, with no manual intervention.
AML stack sprawl
Sanctions screening, PEP and adverse media checks, risk scoring, and transaction monitoring are built into the platform, providing a single audit trail instead of multiple disconnected systems.
Payment Institutions
One platform for payment institutions, bringing together payment processing, safeguarding calculations, real-time reconciliations, and regulatory compliance.
Safeguarded funds commingled
Safeguarded funds are routed, calculated, monitored, and reported from a single platform, eliminating manual spreadsheets and fragmented reporting.
Nostro reconciliation delays
Partner bank positions reconcile in real time, not end-of-day.
Compliance gaps on payments
Sanctions screening, transaction monitoring, and risk controls are embedded into payment workflows, covering all transactions.
Reporting is manual
Regulatory and management reports are generated directly from the live ledger, enabling exports and submissions in minutes rather than days.
Neobanks
Launch a fully branded digital bank with white-label apps, card issuance, and a complete customer experience stack — all in one platform.
Time to market
Launch branded banking products in weeks, not years, with web, mobile, onboarding, and card capabilities already built in.
Card programme complexity
Issue debit, prepaid, and virtual cards with integrated card lifecycle management, without building a separate card lifecycle stack.
KYC friction
Automated onboarding and risk-based verification workflows remove friction.
Scattered customer data
Identity, accounts, cards, balances, communications, documents, and compliance are unified in a single customer profile with a complete audit trail.
Money Service Businesses
Purpose built - manage cash operations, agent networks, transaction monitoring, and regulatory reporting from a single platform.
Cash reconciliation gaps
Cash collections and agent balances reconcile automatically against the live ledger, eliminating manual calculations and end-of-day adjustments.
AML and sanctions risk
Risk-based monitoring, sanctions screening, and suspicious activity workflows are embedded into every transaction and customer relationship.
No audit trail
Every transaction, decision, and compliance action is recorded in a single audit trail, with reports and evidence generated in seconds.
Agent network chaos
Multi-agent operations tracked with clear hierarchies and permissions.
Crypto / On-Off Ramp Providers
Native crypto functionality - manage fiat and digital assets, customer onboarding, transaction monitoring, and regulatory compliance from a single platform.
Fiat settlement gaps
Crypto-to-fiat and fiat-to-crypto transactions settle through a unified ledger, eliminating reconciliation gaps between banking and digital asset operations.
Financial crime exposure
Sanctions screening, blockchain analytics, transaction monitoring, and Travel Rule workflows are embedded into every customer and transaction journey.
Banking relationship risk
Demonstrate robust AML, KYC, and governance controls to banking and payment partners through a complete compliance and audit framework.
Regulatory change risk
Compliance modules evolve alongside changing regulatory requirements, from MiCA and Travel Rule obligations to local licensing and reporting regimes.
Stablecoin Issuers
Manage reserves, mint and redemption workflows, customer onboarding, and regulatory reporting for stablecoins on a single integrated platform.
Reserve integrity at risk
Fiat reserves reconcile automatically against circulating token supply, providing real-time visibility of reserve coverage and liabilities.
Proof of reserves on demand
Reserve reports, attestations, and accounting records are generated directly from the live ledger with a complete audit trail.
Mint and redemption controls
Mint and redemption workflow is subject to integrated compliance controls and approval workflows.
Multi-currency reserves
Cash, securities, and digital asset reserves are tracked and revalued automatically in accordance with IFRS/FRS 102 requirements.
Stop stitching 6-10 tools to run one institution
Most platforms solve one piece. Baseella closes the gaps that create compliance risk, reconciliation errors and operational overhead.
Financial & Regulatory Reporting
«Safeguarding reconciliation lives in spreadsheets.»
Baseella generates the Safeguarding Report from the live ledger with real-time shortfall detection - no export, no manual chase.
Financial & Regulatory Reporting
«Capital adequacy tracking is manual and reactive.»
Real-time calculation in line with A/B/C/D capital adequacy methods - fix shortfalls before they materialise.
Compliance & AML
«Every AML check needs its own vendor.»
Sanctions, PEP and adverse media screening, risk scoring, transaction monitoring, KYC/KYB - all natively in the system. One audit trail in a single interface.
Financial & Regulatory Reporting
«Financial and regulatory reports take a week to assemble.»
Balance sheet, P&L, safeguarding, capital adequacy, FX position, red flags report - all export from the live ledger in seconds.
Multicurrency, Revaluation & FX
«Multicurrency creates reconciliation chaos.»
Unlimited fiat and crypto currencies in a single ledger and any account. Foreign currency positions revaluation posts to realised or unrealised P&L daily - no separate FX ledger.
Platform & Integration
«Core banking software takes 12+ months to assemble.»
Functional on day one. Config takes few days. Companies using existing integrations go live in as few as 5 days.
What consolidation actually saves
Annual saving for a typical EMI / PI at 50,000+ active clients versus a 6-10 vendor stack. Your numbers will differ — but the direction is the same.
€400k
Stitched stack built around legacy core, per year
Legacy core does only what it says on the tin - core banking software, the rest is provided by other vendors. Baseella's native AML modules replace separate ID&V, sanctions, PEP & adverse media screening, transaction monitoring, KYC/KYB and risk-scoring vendors.
€80k
Worth of data entry, reconciliation, and reporting work removed per year
Native multicurrency accounting with automated FX revaluation, automated safeguarding reconciliation, automated capital adequacy calculations removes 2–3 FTEs' worth of spreadsheet work across accounting, reporting, safeguarding, and prudential risk management.
30%
Improvement in operational efficiency
One integrated platform eliminates duplicate processes, reducing operational overhead and infrastructure costs associated with running six-ten separate systems.
The alternative to disjointed vendor sprawl
Every integration introduces cost, operational risk, and another audit dependency. One platform replaces six-ten separate vendors and a web of integrations.
Typical stack
6–10 providers
- Core ledger vendor
- Transaction processing engine
- Compliance & AML vendor
- KYC + biometric ID vendor
- CRM
- Customer communication provider
- Documents repository
- Risk scoring and transaction monitoring
- Reporting tool or spreadsheet layer
- White-label apps vendor
Baseella
1 provider
- Accounting · general ledger
- Payment orchestration
- AML / KYC suite
- CRM · messaging · notifications
- Customer and transaction risk scoring
- Transaction monitoring
- Robust reporting suite
- White-label apps and internet bank
- FX for both fiat and crypto
- Fees, margin and tariff management
What most PayTechs actually ask when picking a core banking software
Every integration is a failure point — and an audit item. Here’s what one contract with Baseella replaces.
| Baseella | Legacy core | Modern ledger | Stitched stack | |
|---|---|---|---|---|
| Chart-of-accounts-based core | Partial | Stitched | ||
| Intra-company accounting | Limited | |||
| Built-in AML & financial crime suite | Limited | Stitched | ||
| Comprehensive transaction monitoring | Sanctions only | Partial | ||
| Financial, management, and regulatory reports | Limited | Manual | ||
| White-label internet bank + mobile apps | Separate build | |||
| Customer relationship management | ||||
| Complete audit trail | Scattered | |||
| Technology stack | Modern | Legacy | Modern | Mixed |
See the platform, not just the pitch
A one-hour platform walkthrough tailored to your licence type, compliance framework, and target operating model
We’ll ask about your licence, business, anticipated client number and transaction volume — so the walkthrough is actually useful.
An architecture where Payments scales independently from Compliance — no monolith bottlenecks
Coreless
There is no core underneath. Nothing sits behind the services that has to be redeployed when one of them changes. The platform is 60+ independently deployable services, each owning its own data, and together they are the core.
Cloud-native
Kubernetes on AWS, GCP, Azure or any K8s-compatible environment. Terraform-managed infrastructure. Open-source stack — no proprietary lock-in.
React · NestJS · PostgreSQL · Elasticsearch · Redis
API-first
REST (OpenAPI) + Federated GraphQL. Full integration layer with outward-facing APIs for seamless connectivity with third-party systems and partner platforms.
Questions we hear before the first call
Still not sure whether Baseella is what you need? We know the main problems facing PayTechs and how to solve them. Below is an overview of the main pain points that we strived to solve while developing our ultimate core banking software.
How long does deployment actually take?
A functional platform is available on day one. Configuration - chart of accounts, tariffs, risk scoring, transaction monitoring rules, branding, etc. - typically takes 1 week with our team.
Is Baseella SaaS or on-premise?
Primarily cloud-hosted SaaS. We also offer a for institutions that require full deployment control on their own infrastructure.
Do I need to migrate from my current system?
Most customers migrate over a weekend with parallel running. During implementation, we jointly define the migration approach, covering data mapping, testing, and rollback planning.
How does this integrate with my existing banking partners?
Our payment orchestration layer comes with native integrations with several banking providers and enables the addition of new banks, payment providers, and rails through a standardised integration framework. Simple integrations may be completed in as little as one month, more complex ones, like card issuer processor may take around 3 months.
What about data residency and regulator requirements?
We can deploy on your chosen AWS / GCP / Azure region and a particular data center. All data stays in-region. We support UK, EU, and non-EU residency out of the box.
See how Baseella fits your operating model
Book a one-hour tailored walkthrough. We'll focus on the modules, workflows, and integrations relevant to your licence, operating model, and growth plans.
Schedule a demo