Sponsor a banking program without building one.
Real DDAs, money movement, and card issuance for vertical SaaS and fintech partners. Works with the bank core infrastructure your examiner already recognizes.
Bank infrastructure has never combined compliance rigor, fast implementation, and the functionality to grow SMB accounts. Until now.
Software platforms in your customer base need real bank accounts behind their merchant experiences. The old build-it-yourself path takes two years and rarely clears examiner scrutiny. The fintech path moves fast but leaves your bank out of the relationship.
Embedded Banking gives you all three: examiner-grade compliance, deployment in months, and a product surface modern enough to grow SMB accounts on your charter.
A real bank stack. Deployed by you.
Demand Deposit Accounts
Bank-branded, FDIC-insured DDAs your partner controls through APIs or embeddable widgets. Real bank accounts, not shadow ledgers.
Money Movement
ACH, wires, RTP, FedNow, and real-time book transfers.
Card Issuance
Unlimited virtual and physical cards, with card controls, and card lock.
FinOps Hub on top
Optional AP, AR, expense management, and Tap-to-Pay so the accounts have real utility, and you earn primacy.
Three parties. No ambiguity about who does what.
Your bank establishes the sponsor relationship
You own the regulatory posture and the underlying deposits.
Your partner handles the SMB experience
The vertical SaaS or fintech partner runs acquisition, branding, and product UX.
Tesouro provides the technology layer
On infrastructure your compliance team already understands.
Three deployment options fintech partners can choose from.
White label
We fully host the experience in a branded UI. Fastest to production.
Embeddable widgets
Drop in account opening, money movement, or card issuance as components in an existing UX.
Full API
Build your own experience top to bottom. For mature engineering teams.
This is not a fintech BaaS product retrofitted to banks. It was designed bank-first. Compliance, audit, and examiner workflows are first-class features, not add-ons.
Typical signed contract to live SMBs is six months. Four phases.
Alignment
Mandate, scope, partners.
Technical build
Integrations, branding, ops.
Regulatory readiness
Risk reviews, examiner artifacts.
Soft launch
Cohort live · scale on results.
Want to see what a sponsor program looks like end-to-end?
A real walkthrough of the bank, partner, and Tesouro responsibilities.
Book a 30-minute walkthrough