Banking as a Service
Your app is a bank. Starting next week.
Other providers take months of audits and KYB paperwork before you touch a single account. Magnolia gets you live in days. Embedded bank accounts via API, fully regulated, all 50 states.
Talk to our teamCapabilities
Real Bank Accounts
Your users get FDIC-eligible accounts with routing numbers inside your product. Not a simulation, not a prepaid card.
KYB in Days
Our team handles Know Your Business verification fast. You fill out one form, we do the rest.
All 50 States
Including New York and Texas, where most fintechs can't operate. We already handled the regulatory work.
How it works
Call our API
One POST request creates a bank account under your brand.
Pass KYB
Submit your business details once. We verify you in days, not months.
Go live
Your users open accounts and move money inside your app.
Use case
A payroll startup uses Magnolia's API to create employer accounts, fund them via ACH, and disburse a mix of fiat and Bitcoin to employees.
Their own brand, live in production in two weeks.