Financial infrastructure should not stop at borders. Liftoff Platform's BaaS network spans 6 regions and 50+ countries — giving businesses the accounts, cards, payments, and compliance infrastructure they need to serve users anywhere on earth. Here is a full breakdown of our global coverage and what it means for your product.
One of the most important — and most underappreciated — dimensions of choosing a Banking as a Service platform is geographic coverage. A BaaS provider that works brilliantly for US-only products may be completely unsuitable for a business with users in Europe, Latin America, or Southeast Asia. And as businesses scale, the cost of a platform migration to add global support dwarfs any short-term savings from choosing a domestic-first provider at launch.
Liftoff Platform was built from the ground up for global operation. Our infrastructure spans North America, Europe, Latin America, Africa, the Middle East, and Asia-Pacific — with localized compliance frameworks, regional banking partnerships, and in-country payment rail access in each market we serve. This is not a collection of bolt-on international features. It is a genuinely multi-regional financial infrastructure platform designed for businesses that think globally from day one.
Why Global BaaS Coverage Matters
Financial services are fundamentally local — regulated by local authorities, settled through local payment networks, denominated in local currencies. A BaaS platform with genuine global coverage is not just routing international wire transfers. It is maintaining local banking licenses or partnerships, integrating with domestic payment rails (UPI in India, Pix in Brazil, M-Pesa in Kenya), holding local currency float, navigating jurisdiction-specific KYC requirements, and staffing compliance expertise in each market.
For businesses with users in multiple countries, this local depth is the difference between a payment experience that feels native and one that feels foreign. It is also the difference between compliance that actually holds under regulatory scrutiny and compliance that looks adequate until a regulator looks closely.
Region-by-Region: Liftoff BaaS Coverage
What Makes Liftoff's Global BaaS Coverage Different
Local Banking Partnerships, Not Just Correspondent Banking
Many BaaS providers claim "global" coverage but are actually routing international transactions through a single US or UK bank via correspondent banking relationships. This is slow, expensive, and often results in payments that look foreign to recipients — triggering delays, compliance holds, and higher fees at the receiving end. Liftoff maintains direct banking partnerships in each region we serve — meaning your payments move through local rails, settle in local currencies, and arrive as seamlessly as a domestic transfer.
Jurisdiction-Specific Compliance Frameworks
Financial regulation is not universal. What constitutes a compliant KYC process in Germany is different from what is required in Nigeria, which is different from what is required in Singapore. Liftoff's compliance infrastructure includes jurisdiction-specific KYC flows, AML monitoring calibrated to local regulatory requirements, and regulatory reporting frameworks for each market we operate in. You do not need to become an expert in every jurisdiction's financial regulation — you need a partner who already is.
Local Currency Accounts Without FX Conversion Overhead
A truly global BaaS solution allows your users to hold, receive, and send money in their local currency — without forcing every transaction through a USD conversion. Liftoff supports native currency accounts in 25+ currencies, meaning your Brazilian users hold BRL, your European users hold EUR, and your Nigerian users hold NGN — with FX conversion available when needed at competitive interbank rates rather than the inflated spreads typical of correspondent banking routes.
Cross-Border Payment Corridors: Where Liftoff Excels
|
Corridor |
Settlement Time |
Rails Used |
Liftoff Advantage |
|
US → Mexico |
Minutes |
SPEI, ACH |
Local SPEI access — no correspondent banking delay |
|
UK → EU |
Seconds |
SEPA Instant, FPS |
Full SEPA member network access |
|
US → Nigeria |
Under 1 hour |
NIP + stablecoin bridge |
Local NIP rails + USDC bridge for FX stability |
|
Singapore → India |
Minutes |
UPI, PayNow |
Direct UPI-PayNow corridor access |
|
UAE → India |
Minutes |
UAEFTS, UPI |
One of the world's highest-volume remittance corridors |
|
US → Brazil |
Minutes |
Pix + ACH bridge |
Direct Pix access for Brazilian recipients |
Regulatory Licensing: How Liftoff Navigates Global Compliance
Operating BaaS infrastructure across six regions requires maintaining or partnering with entities holding the appropriate regulatory authorizations in each jurisdiction. Liftoff's approach is to hold direct licenses where operationally efficient and maintain deeply vetted banking partnerships with locally licensed institutions where direct licensing would be disproportionately complex relative to market size.
In the US, Liftoff operates through FDIC-insured sponsor bank relationships that provide the regulatory foundation for deposit accounts and card programs. In Europe, our infrastructure is built on EMI-licensed entities with SEPA access and PSD2 compliance baked in. In Singapore, we operate under MAS oversight. In the UAE, we maintain compliance with CBUAE regulations and DIFC frameworks. In each case, the result for you as a Liftoff customer is simple: you get a clean API that works, and we handle the regulatory infrastructure beneath it.
⚡ Why Liftoff Platform
Liftoff Is the Best Global BaaS Platform — Across Every Region We Serve
Global BaaS coverage is meaningless if the infrastructure in each market is thin, slow, or non-compliant. Liftoff's approach is to build genuinely deep capabilities in every region we enter — local banking partnerships, local payment rails, jurisdiction-specific compliance frameworks, and native currency account support — before we list a market as supported.
This means our coverage numbers are smaller than providers who claim 100+ countries while routing everything through correspondent banking. It also means that what we offer in each supported market actually works as well as a locally-built solution — which is the only standard that matters when your users are trying to receive their payroll or send money home.
For businesses building products that will serve users across regions — whether that is a global neobank, an international marketplace, a cross-border payroll platform, or a remittance service — Liftoff is the only BaaS platform that offers the combination of regional depth and single-API simplicity needed to operate at global scale.
"We serve users in 12 countries and Liftoff is the only BaaS platform that made that operationally simple. One API, one compliance framework, one support team — and our payments in Lagos feel as fast and native as our payments in London." — Liftoff Global Platform Customer
Planning your global expansion? The most expensive mistake in international BaaS is choosing a platform with great domestic capabilities and thin international coverage, then needing to migrate to a new provider when you expand. Liftoff gives you the global infrastructure to launch in your first market today and scale to 50+ countries on the same platform — no migration required, ever.
