Your fintech on a sponsor’s BIN, with audit you control.
Reference architecture for fintechs running on a sponsor bank’s BIN. Klyqo as the orchestration layer; per-tenant audit back to the sponsor; no shared infrastructure with other programs; swap providers without re-papering with the sponsor. For program managers building real products on top of regulated infrastructure.
Most BaaS platforms force you to share their stack. Klyqo doesn’t.
The classic sponsor-bank-fintech problem: every BaaS platform shares infrastructure across all of its programs. Your KYC vendor is whoever they pick. Your card issuer is whoever they pick. When your needs diverge from the platform’s, you re-platform. Klyqo flips this: the sponsor stays the sponsor; the marketplace bindings are yours.
Sponsor relationship unchanged. Provider control returned to you.
Klyqo sits between your fintech’s product and the sponsor’s BaaS platform. The sponsor’s side is unchanged: same reporting cadence, same program agreement, same compliance posture. Your side gains the marketplace mechanic: pick KYC, pick card issuer, pick notify, swap any of them on a binding.
A program management workflow, on your terms.
Customer onboards into your product. Klyqo orchestrates KYC and AML through providers you chose (not the sponsor’s default). Account provisioning hits the sponsor’s ledger via the sponsor’s API. Cards issue via the sponsor-approved issuer of your choice. Your audit log reflects everything; the sponsor receives their format on schedule.
What you pick from the marketplace.
Sponsor-bank-fintech programs use marketplace providers from a sponsor-approved list. Klyqo lets you select freely within that list and swap on a binding without re-papering the sponsor agreement. The sponsor sees a stable interface; you get flexibility.
Honest about the build.
The sponsor-bank-fintech model is fragile. Three things break programs: (1) sponsor changes their approved provider list and you have to migrate; (2) the BaaS platform you’re on cuts a feature your product needs; (3) regulator pressure on the sponsor cascades to you. Klyqo doesn’t eliminate these risks — nobody can — but it isolates them. Migration becomes a binding swap. Feature gaps become an adapter you build. Regulator pressure becomes a rules update in your journeys, not a re-platform.
What you bring: the program agreement with the sponsor, the customer base, the compliance officer, the reconciliation discipline. What Klyqo brings: the runtime, the sponsor-bank adapter, the provider marketplace, the per-tenant audit trail, the export bundler in your sponsor’s format. What we figure out together: which providers in your sponsor’s approved list match your product, what the reconciliation cadence looks like, where the program-level reports live.
If you’re running on a BaaS platform that’s outgrowing your needs, or about to sign with one and want to retain control: talk to us before the next platform RFP closes.
Stuck inside a BaaS platform?
If you’re a fintech founder or program manager who’s realized that BaaS-as-a-monolith means you don’t actually control your stack, the first conversation is short. Tell us about the sponsor, the platform, the migration constraints. We’ll tell you honestly what an orchestration layer above the BaaS looks like.
Email diogo@klyqo.com Response within two business days