Banking-as-a-service
Instant funding and payouts for every program you power.
Your customers compare BaaS providers on what they can ship. Astra adds instant account funding and instant payouts to every program on your platform, under your brand, on one integration that sits alongside your sponsor bank and processor rather than replacing them.
What instant payments change for a BaaS platform
Win the programs that ask for instant
Programs now ask for instant funding and payouts before they sign. A platform that offers them wins the program. One that does not loses it to one that does.
Ship it in weeks, not quarters
Building real-time payments in-house is a multi-quarter project. Astra is live in a few weeks, so your engineers stay on your roadmap.
Add it. Replace nothing.
Astra sits on top of your sponsor bank, processor, and ledger. Your programs keep the stack they have and gain the instant rails.
Compliance-first by design
SOC 1 Type II, SOC 2 Type II, PCI DSS 4.0.1, ISO 27001:2022, US Data Privacy, GDPR. Reports are available through the Trust Center at trust.astrafi.com.
Instant Account Funding
Fund the accounts your programs open, in seconds
When a program on your platform issues a card, the end user links an external Visa or Mastercard debit card and funds it before they leave the screen. Cards you issue register through your back end; external cards come in through a PCI-compliant form, so no card data touches your programs. Up to $10,000 per transfer, and the program has funded, spending customers on day one.
$1,600+
Increase in transfer volume per user, per month
Every day
Including weekends and federal holidays
Instant Disbursements
Instant payouts for every program too
The payroll program, the marketplace, the lender on your platform all need to push money out, not just pull it in. Instant Disbursements sends to any Visa or Mastercard debit card in seconds. Astra pushes each payout the moment it is due and debits the program’s account the next business day. Charge a fee for the fast option and the program has a revenue line the day it launches. Same integration, same controls, same reporting.
Your brand
Your brand in front. Astra underneath.
Instant funding and payouts show up inside your programs’ products with their look and feel. Astra’s SDK and API run behind it: card linking, authorization, routing across Visa Direct and Mastercard Move, controls, and reporting. Your customers see your platform doing more. They never see us.
