Platform Overview

Wirex BaaS (Banking as a Service) provides the infrastructure to embed financial services into your application. Your users get self-custodial wallets, payment cards, and multi-currency accounts without you building or maintaining the underlying infrastructure.

What You Can Offer Your Users

Capability	What It Does
Self-Custodial Wallets	Users control their own crypto assets with smart contract wallets. No custody burden for you.
Payment Cards	Visa cards linked to user wallets. Users spend crypto anywhere Visa is accepted.
Bank Accounts	EUR (SEPA) and USD (ACH) accounts for receiving and sending fiat transfers.
Multi-Chain Deposits	Users deposit from Ethereum, Arbitrum, Polygon, and other chains. Automatic conversion to unified balance.
Push to Card	Users transfer funds from their wallet to any external Visa or Mastercard.

How It Works

For Partners

Integrate once — Connect to Wirex BaaS API and deploy user wallets using our SDK
Configure features — Enable cards, bank accounts, and transfers for your users
Go live — Launch financial services under your brand

For Users

Get a wallet — Self-custodial smart contract wallet on Base chain
Access financial services — Cards, bank transfers, and crypto operations
Stay in control — Users own their keys and manage their assets

Platform Components

Unified Balance

All user assets are held as unified stablecoins (WUSD for USD, WEUR for EUR). This means:

Deposits from any supported chain convert automatically
Single balance view regardless of deposit source
Seamless integration with cards and bank transfers

Wallets

Account Abstraction wallets where users control their keys:

Gas-free transactions — Users don't need ETH to transact
Security policies — Built-in delay mechanisms for withdrawals
On-chain registration — Wallets are registered in Wirex smart contracts

Cards

Visa payment cards connected to user wallets:

Virtual cards — Instant issuance for online payments
Physical cards — Plastic cards shipped to user's address
Automatic conversion — Crypto converts to fiat at point of sale

Bank Accounts

Fiat rails for deposits and withdrawals:

SEPA — EUR transfers across Europe
ACH — USD transfers in the United States

Push to Card

Transfer funds from wallet to external cards:

Visa and Mastercard — Send to cards issued by any bank
Fast settlement — Funds arrive within minutes
Global reach — Available in supported countries

Supported Regions

Wirex BaaS is available across Europe and select other regions. Card services, SEPA accounts, and ACH accounts each have specific country availability.

See Supported Countries for the full list.

Getting Started

Contact Wirex — Reach out to discuss your integration requirements
Complete onboarding — Exchange credentials and configure webhooks
Integrate — Use our API and SDK to deploy wallets and enable features
Go live — Launch with production credentials

For technical integration details, see the Developer Documentation.