Figure Pay Banking in a Box
The competitive advantage for FinTechs & Non-
Bank Lenders
Figure Pay Banking in a Box (BIAB) provides the banking & payments infrastructure and services needed to move our customers forward.
Leverage our 21st century banking building blocks, deployable in record times. We provide our customers a leg up for bringing innovation to market.



Blockchain-based infrastructure
Built on the Provenance blockchain, the platform provides scale, flexible pricing, and material cost savings vs. traditional service providers.
Proven technology
Leverage the Provenance Blockchain: the only public, decentralized blockchain used by U.S. Banks, with billions of dollars of digital financial assets transacted across lending, payments, and marketplaces.
Increased ROI
With no account on file fees or monthly minimums, BIAB provides high ROI combined with the flexibility to build any payment construct desired.
Gone are the days of multiple vendors and lengthy processes
Figure Pay Banking in a Box provides everything you need when it comes to banking and payments, plus everything behind the scenes.
Complete card program management
Issue Visa debit cards
Visa settlement
Sponsor bank provided
Compliance and regulatory support
Flexible authorization schemes, including BNPL
An alternative to traditional payment rails
Core system of record
Omnibus account with pass-through FDIC insurance* navigates to disclosure *
Create a closed-loop payment network, bypassing traditional payment rails
ACH integration
Visa® debit card
Direct deposit
Free ATM
No account on file fees or monthly minimums
All required licensing and monitoring covered
KYC
BSA
Customer complaints and disputes
AML
FinCen registered MSB with 49+ state MTLs
Transaction monitoring
End-to-end streamlined processes
Bank account onboarding
3rd party vendor management
Marketing approvals
Partner bank relationships
Regulator relationships
Customer reporting
Enhance your program and scale your customer base
Whitelabel mobile app provided but not required
Native rewards program
Complete back office operations staff can be provided
Shorter contract with reasonable terms
Hosted inbound customer support platform provided
Blockchain-based infrastructure
Incorporate BNPL loans into your card program
Visa® Card Issuer Processing
Visa® Card Issuer Processing
Complete card program management
Issue Visa debit cards
Visa settlement
Sponsor bank provided
Compliance and regulatory support
Flexible authorization schemes, including BNPL
Payments & Banking
Payments & Banking
An alternative to traditional payment rails
Core system of record
Omnibus account with pass-through FDIC insurance* navigates to disclosure *
Create a closed-loop payment network, bypassing traditional payment rails
ACH integration
Visa® debit card
Direct deposit
Free ATM
No account on file fees or monthly minimums
Compliance
Compliance
All required licensing and monitoring covered
KYC
BSA
Customer complaints and disputes
AML
FinCen registered MSB with 49+ state MTLs
Transaction monitoring
Program Management
Program Management
End-to-end streamlined processes
Bank account onboarding
3rd party vendor management
Marketing approvals
Partner bank relationships
Regulator relationships
Customer reporting
Bonus Features
Bonus Features
Enhance your program and scale your customer base
Whitelabel mobile app provided but not required
Native rewards program
Complete back office operations staff can be provided
Shorter contract with reasonable terms
Hosted inbound customer support platform provided
Blockchain-based infrastructure
Incorporate BNPL loans into your card program

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.