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This page will help you get started with Bit Capital. You'll be up and running in a jiffy!

The Bitcapital Tokenization Platform (BT Core) is a system designed to hold, trade and convert between any given sets of Assets configured in the platform, running inside the Stellar blockchain. It operates as a core banking infrastructure, in compliance with local and international regulations.

We're reinventing the financial system from ground up backed by the latest and most efficient technology available today. For that, it's important to understand some key concepts about the architecture of the platform.

Software as a Service

SaaS is a method of software delivery that allows data to be accessed from any device with an internet connection and a web browser. In this web-based model, software vendors host and maintain the servers, databases, and the code that makes up an application.

The traditional on-premise software delivery model differs from SaaS in two key ways:

  • SaaS deployments don’t require extensive hardware, which allows buyers to outsource most of the IT responsibilities typically required to troubleshoot and maintain the software in-house.
  • SaaS systems are typically paid within a subscription model, whereas on-premise software is usually purchased through a perpetual license, paid upfront.

On-premise users can also pay more per year in maintenance and support staff. The annual or monthly subscription fee for a SaaS system will typically include the software license, support, and most other fees.

Banking as a Service

Banking as a Service (or BaaS for short) describes a model in which licensed banks integrate their digital banking services directly into the products of other non-bank businesses. This way, a non-bank business, such as your airline, can offer their customers digital banking services such as mobile bank accounts, debit cards, loans and payment services, without needing to acquire a banking licence of their own.


The banks’ server communicates via APIs and webhooks with that of the airline, enabling your customer to access banking services directly through your airline’s website or app. Your airline never really touches the customer’s money, it acts simply as an intermediary, meaning it is not burdened by any of the regulatory duties a bank has to fulfill.

So, Banking as a Service is the same as open banking?

No, not really. The two models often get confused, as open banking also involves banks connecting to non-banks via API. However, the models serve entirely different purposes. In BaaS models, non-bank businesses integrate complete banking services into their own products. In open banking models on the other hand, non-bank businesses merely use the bank’s data for their products. In the industry, these non-bank businesses are called third party service providers (TPPs).

Let's start now!

You can start your integration following the links below.

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