Raisin Bank began as a German credit institution focused on processing loan portfolios and receivables from selected borrowers, and it now operates as the banking arm of the Raisin group, providing banking services to businesses including the Raisin platform. It runs a banking-as-a-service model that lets partners implement business models requiring a banking licence, supplying end-to-end infrastructure for accounts, payments and compliance, alongside investment services that partners integrate into their own offerings.
Its core banking system uses a modular, cloud-based, API-first architecture, and it gives partners a fully branded banking experience while it manages the backend operations. Its investment solutions are designed for financial institutions, robo-advisors and wealth managers, and it serves Germany as its core market while extending across EU countries.
