> ## Documentation Index
> Fetch the complete documentation index at: https://docs.finhub.cloud/llms.txt
> Use this file to discover all available pages before exploring further.

# Service Models

> Understanding FinHub's service models: BaaS and PaaS

# Service Models

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 theme={null}
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>