Neobanks

• A banking backend from an empty repository: identity and access, onboarding with KYC, accounts, payments and cards, document storage, integration with the core system, observability. 30+ microservices to an MVP in seven months.
• Internet banking and native iOS and Android for retail customers, from roadmap and UX research to launch: 50%+ of customers monthly active on the web, 40% of cardholders on the apps within six months.
• KYC and compliance as one engine: a single provider instead of several, strong customer authentication, Travel Rule, real-time transaction monitoring, on and off ramps and local rails such as PIX, NPP and SPEI.
• Card programs: a retail card funded from a crypto balance, and a B2B issuing platform on the same stack, with the issuer and stablecoin integrations behind both.
• A product team between the business and its engineers where one is missing: regulatory adoption, requirements, a precise roadmap and the financial model.
• Wealth and investing features inside the banking app, white-label where the bank runs on a platform.

Most neobanks come to us with a licence, a roadmap and a date. The audit maps what has to exist before the first account opens, and in what order; the build follows that map. We have done it from an empty repository, from inside a retail bank, and from inside the platform that 150+ banks run on.