Banking-as-a-Service · Revenue model

Model what your programme earns.

Choose your capabilities, design your card and set your own pricing. The model shows the revenue your platform would earn from launching banking, payments and cards - and turns straight into a quote.

Looking for how BaaS works first? Read the BaaS overview.

Live modelling
Your pricing, your margin
Nothing shared with providers until you ask

Display currency

Step 1

Choose your capabilities

What your programme offers your end users. Selections drive the revenue lines below.

Step 2

Design your card

Your brand on the card your users carry.

Drag and drop your logo, or click to upload

Card colour

Logo scale38%

Logo position - across8%

Logo position - down8%

Your logo

•••• •••• •••• 0000

virtual

Illustrative only. Final card design is subject to scheme, compliance and production approval.

Step 3

Model your assumptions

Your pricing to your own users. Only the inputs your chosen capabilities need are shown.

Scenario Scenarios move the drivers together. Any edit you make afterwards wins.

End usersi

0 2M+

Active user share (%)i

Monthly account fee per active user (EUR)i

Payments per user per month (count)i

Average payment value (EUR)i

Your fee per payment (EUR)i

Your margin on payment value (bps)i

Cards issued per month (count)i

Your card issuance fee (EUR)i

Monthly card spend (EUR)i

Your margin on card spend (bps)i

Monthly FX volume (EUR)i

Your FX spread (%)i

Step 4

Your projected revenue

Live, from the model you just built.

Monthly recurring revenueEUR 61.9K

Annual recurring revenueEUR 742.6K

First-year estimateEUR 402.2KAssumes a linear ramp to full volume over 12 months.

Revenue by line

Account revenueEUR 18K
Payment revenueEUR 29.9K
Card revenueEUR 9.2K
FX revenueEUR 4.8K
Active users modelled 4,500

Twelve-month build-up

Monthly revenue, not cumulative. Assumes a linear ramp to full volume over 12 months.

Months to full volume

EUR 61.9KEUR 46.4KEUR 30.9KEUR 15.5KEUR 0

136912

Month

These twelve months total EUR 402.2K, the first-year estimate above.

Show the monthly figures as a table

Modelled monthly revenue by month, months 1 to 12
Month	Monthly revenue
1	EUR 5,157
2	EUR 10,313
3	EUR 15,470
4	EUR 20,627
5	EUR 25,783
6	EUR 30,940
7	EUR 36,097
8	EUR 41,253
9	EUR 46,410
10	EUR 51,567
11	EUR 56,723
12	EUR 61,880
First year	EUR 402,220

Integration: your own front end over the API. Your engineering team builds and owns the user interface.

All inputs are held in EUR. The currency selector changes display formatting only, it does not convert.

Nothing you modelled is asked again. The link restores this exact model, without your logo.

Regulated services are contracted directly with the applicable licensed provider; each provider performs its own due diligence and retains final approval; Crosswire holds no client funds.

Step 5

What the programme costs, and what you keep

Your revenue above is your own assumption. Cost lines render only under an offer reference, at your offer's placed terms.

Market

Programme costs are quoted with your offer.

The structure is consistent: a setup fee, recurring platform and per-account fees, per-item pricing, an FX margin and a monthly minimum creditable against usage. The figures are set per programme and travel with your offer, in EUR for the EU programme and USD for the US programme, never combined into one total.