Built on blockchain technology

The innovative banking as a service solution

Figure Pay provides a scalable, quick-to-market Banking as a Service (BaaS) API-based platform, solving both business and consumer banking challenges, all in one efficient solution. Our innovative technology is built on blockchain rails unlocking greater cost savings, built-in compliance with all required licensing, and end-to-end streamlined program management, including Visa® card issuer processing.

We offer a competitive
advantage for your business

For fintechs and
nonbank lenders

Engage with Figure Pay to embed banking and payments solutions into your consumer and business products.

For banks and credit unions

Reduce cost with lower transaction fees and real-time settlement via blockchain payment rails.

For retailers

Leverage your mobile investment to embed real-time payment solutions at a fraction of the cost of traditional payment rails.

Leverage proven
technology to
scale your business efficiently

Figure Pay provides our banking, fintech, and merchant partners with state-of-the-art banking and payments capabilities, including card issuer processing. Offering a powerful, yet economical means of bypassing the card networks, improving consumer loyalty, and earn additional revenue via traditional cards.


Time to market

Launch a challenger bank offering, upgrade your payment rails, and expand your existing mobile app, all in record times.


banking API

Access a complete suite of banking services, from an FDIC-insured* bank account to end-to-end card issuing program.


commercial terms

Enjoy the simplicity of one point of contact, eliminating 6 to 10 contracts with other vendors, each with minimums, reserves, and a variety of durations. Figure Pay comes with reasonable contract terms, no implementation fees, and no monthly minimums.


Leverage our expertise

Lean on Figure Pay for as much or as a little of your operational requirements: risk, operations, marketing, and customer service. We’re here to support you where you need it most.

A full suite of features
to power up your

A full suite of features
to power up your

A full suite of features
to power up your

One stop shop for
banking & payments

Offer your customers access to an FDIC-insured* deposit account

Provide a payment solution via QR code for real-time point of sale payments

Seamless onboarding with
full KYC

Customer service portal for your customers support team

Bridge to traditional banks
via ACH

Blockchain payment rails make peer-to-peer and merchant transactions seamless and instant

Launch your product
in weeks, not years

Leveraging our seamless enterprise API, BIAB enables your company to launch a compelling challenger bank offering as fast as you can move.

Built-in benefits
innovations of blockchain

Blockchain is a real-time ledger, eliminating traditional banking fees such as “account on file or “software license” fees. The Figure Pay platform is built on the Provenance blockchain providing scale, better pricing, and material cost savings.