BaaS · Fintech Economics T152 + T155 Unit Economics AP2 v1.0 Zero PII

BaaS Provider Economics Comparator

Model the unit economics of leading Banking-as-a-Service providers at any volume tier. Compare per-account costs, interchange revenue share, platform fees, and net margins across Unit, Treasury Prime, Column, Synctera, and Grasshopper — then export a boardroom-ready AP2 mandate with your optimal provider recommendation.

Interchange Avg
~1.5%
Debit network (Visa/MC)
BaaS Market 2025
$16.9B
Global platform revenue
Providers Modelled
5 + Custom
+ configurable weights
Gross Margin At Scale
40–65%
150K+ accounts
Scenarios
Seed · Growth · Scale
1K / 25K / 150K accounts
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Quick Scenarios
Volume & Transaction Assumptions
Monthly active funded accounts
Avg debit card / ACH transactions
Average ticket size (USD)
Gross interchange on spend
Revenue Assumptions (per Account / Month)
Monthly fee charged to end-user
% of accounts on premium plan
Additional monthly fee for premium
BNPL, overdraft, credit share
Providers to Compare

Custom Provider Parameters

% of interchange kept by fintech
One-time onboarding / integration

Economics Comparison Results

Monthly Revenue (Platform-Wide)
Provider Cost & Margin Comparison
Provider Platform Fee Acct Cost Tx Cost Total Monthly Cost IC Revenue Share Net Revenue Gross Margin Cost / Acct
Monthly Cost vs. Net Revenue by Provider
Break-Even Analysis

Minimum accounts to cover all platform costs with modelled revenue assumptions.