[💰 Revenue Calculator]

How Much Can You Earn with Embedded BaaS?

Platforms embedding SpacePe earn from float income, interchange on cards, transaction fees, and wallet float. Model your economics.

Your Platform Inputs

100
Businesses using your platform
500
Payment transactions per business
5,000 ₹
Average payment amount
200
Physical + virtual cards active
0
Users with embedded wallets

Estimated Annual Revenue

₹17.6L/year
₹146,600 per month
Float Income
~0.01% of transaction volume
₹3.0L
17% of total
Card Interchange
40% share . avg ₹15K/card/mo spend
₹2.6L
15% of total
Transaction Fees
₹2 per payment processed
₹12.0L
68% of total
Revenue per tenant per month₹1,466

Build In-House vs SpacePe Embedded BaaS

What it costs to build payment infrastructure yourself vs embedding SpacePe

🏗️ Build In-House

5 backend + 2 frontend engineers x 12 months₹1.7 Cr
Bank integration (3 banks x ₹35L each)₹1.05 Cr
Security audit, pen testing, SOC 2 prep₹50L
Compliance engine (DPDP, RBI, GST)₹80L
Infrastructure (K8s, monitoring, DR)₹60L
Ongoing maintenance & ops (annual)₹1.2 Cr
Opportunity cost (12-18 months time-to-market)₹65L
Time to first transaction12-18 months
Year 1 Total Cost₹6.5 Cr+

⚡ SpacePe Embedded BaaS

Platform fee (₹499/tenant/mo)₹6.0L
Integration effort2 engineers x 2 weeks
Bank integrations included10+ banks, 0 extra cost
Compliance built-inDPDP + RBI + GST + SEBI
Time to first transaction14 days
Year 1 Total Cost₹6.0L
💰 You save ₹6.4 Cr+ in year 1 while earning ₹18L in revenue

Industry Benchmarks

How embedded finance platforms typically monetize, based on McKinsey and Bain research.

💳
2-5x
higher CLTV

Embedded Payments

Platforms with embedded payments see 2-5x higher customer lifetime value. Payment monetization contributes 15-25% of platform revenue.

McKinsey 2024
💰
1.5-2%
interchange on spend

Interchange Revenue

Card programs typically generate 1.5-2% interchange on spend. Revenue-share models give platforms 30-50% of interchange.

Bain FinTech Report
🏦
4-7%
annualized float yield

Float Income

Platforms holding customer funds earn 4-7% annualized on float balances. This is passive revenue that scales with deposits.

RBI repo rate benchmark
📉
30%
lower CAC

Acquisition Cost

Platforms with embedded finance see 30% lower customer acquisition costs. Financial features increase stickiness and reduce churn.

McKinsey Embedded Finance

Ready to monetize your platform?

SpacePe Embedded BaaS - start earning from day one.

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