Blog
BaaS vs. building from scratch: when each path makes sense
A look at cost, timeline, and regulatory risk for product teams.
Building a financial operation from scratch involves licenses, regulatory capital, integrations with Brazil's Payment System (SPB), and compliance teams. For most products, it isn't worth it.
When to use BaaS
- You want to launch in months, not years.
- Finance is a means, not the end goal, of your product.
- You want engineering focused on experience, not infrastructure.
When to build from scratch
It only makes sense for institutions with the scale, capital, and regulatory appetite to operate as a bank or payment institution.
Ready to evaluate your case?
In a conversation with Baasic specialists, we assess the technical, regulatory, and commercial viability of embedded finance in your product.