Crassula
Crassula
Crassula is a white-label Banking-as-a-Service software platform that lets companies and fintechs launch a branded banking product (accounts, payments, card issuing) by connecting to regulated providers and BIN sponsors. Its card-issuing module offers APIs to issue virtual and physical Visa/Mastercard cards, with spend controls, analytics and 3DS handling, usable from web, iOS and Android apps. It is a software vendor: it does not directly hold funds or banking licenses, which remain with the clients and their regulated partners.
Data & conditions
| Service type | Card issuing / BaaS |
|---|---|
| Pricing model | Monthly SaaS |
| Card networks | Visa, Mastercard |
| Card types | virtual, physical, debit, prepaid |
| Customer type | Fintech, SMEs |
| Fund custody | Self-custody (funds in your control) |
| Supported countries | EEA, UK |
| Segment | B2B |
| MiCA / License status | Not disclosed |
Strengths
- White-label platform to launch branded banking and cards
- Visa/Mastercard card issuing (virtual and physical) via API
- Built-in spend controls, analytics and 3DS handling
- Short claimed launch times (days/weeks)
- Self-custody: funds stay in your wallet — the platform cannot touch them.
Weaknesses
- B2B software, not accessible to end consumers
- No own banking/EMI license noted: relies on BIN sponsors and regulated partners
- Limited public corporate and regulatory documentation
- Pricing not published
- No notable sovereignty drawback documented.
Verdict
Score 3.2/5, average profile. In its favour: white-label platform to launch branded banking and cards. The trade-off to weigh: b2B software, not accessible to end consumers.
On the Sovereignty lens the score is 5.0/5 (outstanding): the strength is fund control (5.0/5).
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Can an individual open an account with Crassula?
No. Crassula sells software to fintechs and companies that build their own branded banking product; the consumer may use the client's app, not Crassula.
Does Crassula have a banking license?
No. Crassula is a white-label software vendor; licenses and custody of funds remain with clients and their regulated partners (BIN sponsors, EMIs/banks).
Sources
- Official service page Data verified on Jul 17, 2026