URL: /overview/service-models

---
title: "Overview"
description: "Understanding FinHub's service models: BaaS and PaaS"
---

FinHub offers two primary service models to serve different client needs: **Business as a Service (BaaS)** and **Platform as a Service (PaaS)**.

## Overview

| Service Model | What It Provides | Integration Type |
|---------------|------------------|------------------|
| **BaaS** | Business processes via microservices | CoreX, API, or Hybrid |
| **PaaS** | Direct connector access | System-to-system |

## Business as a Service (BaaS)

BaaS exposes **business processes** that are shared across organizations. Clients use FinHub's microservices, which are small, automated business areas handling:

- Customer management (onboarding, KYC/KYB)
- Account & wallet management
- Transaction processing
- Order management
- Compliance & back-office operations

### BaaS Service Models

Within BaaS, you can choose how to integrate:

| Service Model | Description | Best For |
|---------------|-------------|----------|
| **CoreX** | White-label front-end solution | Fast launch, minimal development |
| **API** | Direct API integration, build your own UI | Custom experiences, full control |
| **Hybrid** | Combination of CoreX + API | Best of both worlds |

<Card title="Explore BaaS" icon="building" href="/baas/introduction">
  Learn more about Business as a Service
</Card>

## Platform as a Service (PaaS)

PaaS provides **system-to-system integration** — direct access to FinHub's technology connectors without business process logic. This is pure technology integration.

### Available Connectors

- **Acquiring (IPG)** - Card payment gateway
- **Banking Networks** - SEPA, SWIFT, local payment rails
- **KYC/KYB** - Identity verification services
- **Communication** - SMS, email, push notifications
- **Crypto** - Blockchain connectivity

<Card title="Explore PaaS" icon="plug" href="/paas/introduction">
  Learn more about Platform as a Service
</Card>

## Choosing Between BaaS and PaaS

```mermaid
flowchart TD
    A[What do you need?] --> B{Business processes?}
    B -->|Yes| C[BaaS]
    B -->|No, just connectors| D[PaaS]
    
    C --> E{Build your own UI?}
    E -->|No| F[CoreX Service Model]
    E -->|Yes| G[API Service Model]
    E -->|Both| H[Hybrid Service Model]
```

| Question | BaaS | PaaS |
|----------|------|------|
| Need customer onboarding flows? | ✅ | ❌ |
| Need account management? | ✅ | ❌ |
| Need transaction processing with business logic? | ✅ | ❌ |
| Only need payment gateway integration? | ❌ | ✅ |
| Only need KYC/KYB connector? | ❌ | ✅ |
| Have existing systems, need connectors only? | ❌ | ✅ |

## Next Steps

<CardGroup cols={2}>
  <Card title="BaaS Explained" icon="building" href="/overview/service-models/baas-explained">
    Deep dive into BaaS
  </Card>
  <Card title="PaaS Explained" icon="plug" href="/overview/service-models/paas-explained">
    Deep dive into PaaS
  </Card>
</CardGroup>