Fintech applications are pretty tricky and expensive to build. Regulations, liquidity, and banking system integrations add an extra layer of complexity on top of the technical aspect. Starting a new PayPal or Revolut-like app requires having a business, legal, financial, and technical team. 

My research of the potential shortcuts for fintech applications indicated that building everything from scratch is unnecessary. The market provides a range of ready-made Banking as a Service (BaaS) platforms. First, let’s find out what BaaS is and how those solutions can help fintech startups get on their feet at the quickest time to market. 

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