What BaaBs is
BaaBs is a unified financial platform built by SEMYAZA OF HERMON LLC (dba SEMYAZA OF HERMON TECHNOLOGIES), a Texas company formed in October 2026. Three engines — Payments, Banking and Issuing — run on a single double-entry ledger, behind one clear API with API-key management, idempotency, and signed webhooks.
Payments
Payment intents, charges, refunds and payouts with a full lifecycle — built to become its own processor, not a wrapper.
Banking
Accounts, balances and transaction sync through a sponsor-bank (FBO) model — customer funds stay at the bank.
Issuing
Card programs with real-time authorization decisioning, limits, freezes and blocked-category controls.
27-rail architecture
The platform is architected for 26 clearing rails — including ACH, RTP, FedNow, Fedwire, SWIFT and SEPA Instant, plus the major card networks — coordinated by a canonical event engine. Rails activate as sponsor-bank partnerships are approved; the developer beta runs today in simulated settlement mode.
Status
- Full build complete; production developer beta live for evaluation
- Sponsor and partner onboarding in progress (banking, money movement, card issuing)
- Funds model: FBO accounts at a sponsor bank — BaaBs is the software and ledger layer
Sponsor banks, processors and issuing partners — we communicate by email.
[email protected]