Crypto
Banking
Stack.
Modular neobank infrastructure for crypto-native fintech apps. Virtual IBANs, multi-currency accounts, MPC smart wallets, fiat on/off ramps, card issuing — compose the modules you need and ship a full banking product on our rails.
Four core modules.
One banking stack.
Each module works standalone or composes with the others. Pick what you need — ship a full neobank or a single feature.
IBANs & Multi-Currency Accounts
Issue virtual IBANs on demand. Open multi-currency accounts in EUR, GBP, USD, and 40+ fiat currencies — each with its own routing details. Fully API-driven, white-label ready, and compliant with local banking regulations per jurisdiction.
- Virtual IBAN generation via API
- Named and pooled account structures
- Multi-currency with instant internal FX
- Segregated client money by default
MPC & Smart Wallets
MPC-based key management with threshold signing. Smart contract wallets with session keys, spending limits, and social recovery. Non-custodial by architecture — your users hold the keys, your app holds the UX.
- MPC threshold signing — no single key
- Smart contract wallets with policy engine
- Session keys for frictionless UX
- Social recovery and key rotation built in
Virtual & Physical Card Issuing
Issue Visa and Mastercard-compatible virtual cards in seconds. Physical card programs with custom BIN, embossing, and branded packaging. Spend controls, real-time auth webhooks, and 3DS built in.
- Virtual cards issued in under 2 seconds
- Physical cards with custom branding
- Real-time authorization webhooks
- Granular spend controls and limits
SWIFT, SEPA & Crypto Rails
Move money anywhere. SWIFT for global wire transfers, SEPA for instant EUR payments, and crypto rails for on-chain settlement. Fiat on-ramp and off-ramp built into every account — no third-party redirect.
- SWIFT gpi for global transfers
- SEPA Instant for EUR payments
- On-chain settlement across major networks
- Unified API across all payment rails
Composable
by design.
Every module exposes a clean REST and WebSocket API. Compose accounts, wallets, cards, and rails into any product shape — neobank, payroll platform, treasury tool, or embedded finance widget. The config below deploys a full banking stack in one call.
Run multiple branded banking products from a single deployment. Each tenant is isolated — accounts, wallets, compliance rules, and fee structures.
Webhooks for every state change — account opened, card authorized, payment settled, compliance flag raised. Build reactive workflows without polling.
Full dashboard, onboarding flows, and card management UI — all themeable and deployable on your domain under your brand.
Compliance modules pre-configured per jurisdiction. KYC/KYB provider routing, AML screening, and transaction monitoring rules ship out of the box.
import { BankingStack } from '@gizmolab/banking';
const stack = new BankingStack({
tenant: 'your-fintech',
region: 'eu',
modules: [
'accounts', 'wallets', 'cards', 'rails'
]
});
// Issue an IBAN + wallet for a user
stack.accounts.create({
currency: 'EUR',
type: 'iban',
userId: 'usr_x8k2m'
});
// Issue a virtual card linked to the account
stack.cards.issue({
type: 'virtual',
spendLimit: 5000,
currency: 'EUR'
});Compliance.
Security. Scale.
KYC / KYB / AML built in
Identity verification, business due diligence, and ongoing transaction monitoring are embedded at the platform level — not bolted on. Route to local providers per jurisdiction, automate risk scoring, and generate audit-ready reports without building the compliance stack yourself.
- KYC identity verification with liveness
- KYB with UBO and document checks
- Real-time AML and sanctions screening
- Configurable risk scoring rules engine
MPC custody & encryption
MPC threshold signing eliminates single points of failure. Data at rest and in transit is encrypted end-to-end. Hardware security modules for key material, SOC 2 controls, and penetration testing on a regular cadence.
- MPC key sharding — no single key exposure
- HSM-backed key material storage
- End-to-end encryption for all data
- SOC 2 Type II audit controls
Multi-region, multi-currency
Deploy across regions to meet data residency requirements. Support 40+ fiat currencies and major crypto networks from a single integration. Auto-scaling infrastructure handles traffic spikes without manual intervention.
- Multi-region deployment for data residency
- 40+ fiat and major crypto currencies
- Auto-scaling with zero-downtime deploys
- 99.99% uptime SLA on core banking APIs
Everything you need.
Nothing you don't.
Core platform capabilities that underpin every module — the infrastructure layer your banking product stands on.
Ledger System
Double-entry, immutable ledger powering every account. Real-time balance queries, hold management, and atomic multi-leg transactions across currencies and asset types.
Real-Time FX
Live exchange rates across 40+ currency pairs. Instant conversion between fiat currencies and crypto assets with configurable markup and spread controls.
Transaction Monitoring
Rule-based and ML-driven transaction monitoring for fraud detection and AML compliance. Real-time alerts, case management, and SAR filing workflows.
Webhook Events
Subscribe to 50+ event types across accounts, payments, cards, and compliance. Guaranteed delivery with retry logic, idempotent processing, and real-time streaming via WebSocket.
White-Label Dashboard
Pre-built admin dashboard with account management, transaction views, compliance queues, and card controls. Fully themeable — deploy on your domain with your branding in days.
API-First
Every feature is an API call. OpenAPI 3.1 specs, SDKs in TypeScript, Python, and Go, sandbox environments with test data, and interactive documentation. Build anything — we provide the primitives.
Extends into the rest of the stack.
Build Your
Banking Product.
Pick the modules you need, configure your compliance rules, deploy under your brand. From first API call to live product in weeks — not months.