BaaS APIs Overview

Green Dot’s Banking-as-a-Service (BaaS) APIs enable partners to build, launch, and scale financial products using a secure, proven core banking platform. Our APIs are designed to support both business needs—such as reliability, scalability, and compliance—and developer needs, including clear documentation, consistent patterns, and predictable behavior.

Whether you’re launching a new financial product or extending an existing one, the BaaS APIs give you access to the core capabilities required to embed banking functionality directly into your applications.

What you can build with BaaS APIs

Using our BaaS APIs, partners can:

• Integrate core banking capabilities into existing applications
• Launch new financial products faster and more cost-effectively
• Support growth into new customer segments or markets

Each partner integration is built around a secure, brand-specific model that includes the products, accounts, users, activities, and transactions needed to support your use case.

API design and standards

The BaaS APIs follow REST principles and operate over HTTPS. Standard HTTP methods are used to create, retrieve, and update resources, with predictable request and response patterns across endpoints.

• Requests and responses use JSON
• OAuth 2.0 is used for authentication and authorization

To support development and testing, partners receive access to a sandbox environment during onboarding.

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All BaaS APIs use UTC as the standard date and time format.