Neobank infrastructure
Your next financial product starts here.
Connect accounts, wallets, cards, and payments in a branded neobank, with the integrations and controls your operating model requires.
The building blocks
Everything connects.
Make it your own.
Connect the account experience, end to end.
Inside the product
Ledger and balance infrastructure
Design a ledger that tracks user balances, treasury movements, fees, reserves, and operational adjustments with explicit balance states and auditability.
- Double-entry logic and transaction history
- Pending, available, reserved, and settled balance states
- Internal source of truth for support and finance teams
- Reconciliation hooks into provider and chain events
Operational systems lens
We treat neobank infrastructure as a controls and operations problem, not just a stack of APIs or frontend flows.
Hybrid rails experience
We work across stablecoin, wallet, banking, and payment systems, which matters when blockchain and traditional rails need to coexist cleanly.
Control-layer thinking
We focus on the seams that usually break first: ledger versus actual funds movement, provider events versus user-visible balances, and compliance rules versus usable product flows.
Phased build discipline
We scope narrow MVPs with explicit controls first, then add multi-provider and multi-rail complexity in later phases.
Neobank infrastructure
Ready to build with this?
Tell us what you have in mind. We’ll help scope the right approach.
Behind your experience
Your product, up front.
The connections, handled.
Choose the components your product needs. Keep the customer experience and operating controls in one connected flow.
Your experience
Neobank infrastructure
Connected outcomes
Availability, providers, and supported workflows are scoped to your product and operating requirements.
Plan your integrationThe possibilities
A financial layer inside your product.
Explore the products and use cases that connect to this stack.
Go a little deeper
Built around the details.
Explore the workflows, components, and implementation considerations behind the experience.
Technical architecture
Product and client layer
- Web and mobile product surfaces
- Onboarding and account views
- Transfer and payout flows
- Transaction history and support interactions
Orchestration backend
- User financial profile service
- Balance and ledger service
- Payment and payout orchestration
- Wallet event ingestion and transaction processor
- Compliance workflow service
- Notification and webhook service
Integration layer
- Banking or EMI partners
- Wallet or custody providers
- Stablecoin and blockchain infrastructure
- KYC, KYB, AML, and screening vendors
- Card issuing or processing partners
- FX or treasury service providers
Control and operations layer
- Admin dashboards
- Review queues
- Treasury controls
- Reconciliation views
- Audit logs
- Reporting pipelines
Data and audit layer
- Durable event storage
- Controlled reporting outputs
- Operational audit trails
- Finance and compliance exports
Initial product scope
Initial product scope
- One core account model, such as stablecoin balances, hybrid fiat-stablecoin accounts, or a wallet-ledger product
- One primary money-in flow and one primary payout flow
- Core ledger and transaction history
- Basic KYC or KYB onboarding
- Compliance and screening integrations for required flows
- Admin tooling for support, manual review, and balance investigation
- Reconciliation for the initial provider stack
Advanced capabilities
Advanced capabilities
- Multiple currencies and multi-chain support
- More than one banking or wallet provider
- Smarter payout routing across cost, speed, or geography
- Treasury automation and reserve balancing
- Internal transfers across sub-accounts or entities
- Card issuing or spend controls
- FX workflows
- More advanced risk rules and case management
- Partner or API-facing platform capabilities
What is neobank infrastructure?
Neobank infrastructure is the backend and operations layer that supports a digital banking-style product. It usually includes the ledger, account and wallet systems, payment rail integrations, compliance workflows, reconciliation logic, treasury controls, and admin tooling needed to operate the product.
How is neobank infrastructure different from a neobank app?
The app is the customer-facing surface. The infrastructure is the system underneath it. A polished app can still fail operationally if the underlying ledger, reconciliation, compliance, or treasury workflows are weak.
Can you build infrastructure for a crypto neobank?
Yes. That usually involves stablecoin wallet infrastructure, on-chain transaction handling, wallet screening, treasury workflows, and a ledger that can accurately reflect blockchain and partner-side activity together.
Can a stablecoin neobank also support fiat rails?
Yes. Many products use a hybrid architecture with stablecoin balances or settlement on one side and banking rails for deposits, withdrawals, or local account functionality on the other. The complexity sits in the orchestration and control layer, which is part of what we build.
Do you provide the regulated banking or custody service directly?
No. We build the software platform and integrate licensed partners where needed. Regulated services are provided by the relevant banking, payment, custody, or compliance partners in the product structure.
What is the right MVP for a neobank infrastructure build?
Usually the right MVP is narrower than founders expect. It should focus on one account model, a controlled set of money movement flows, a dependable ledger, the required compliance controls, and enough admin tooling to operate the product safely.
Do we need a ledger if our providers already track balances?
Usually, yes. Provider balances are not a sufficient product control layer on their own. A platform ledger gives you an internal source of truth for balances, fees, reconciliation, support investigations, and product-specific transaction logic.
How long does a neobank infrastructure build take?
That depends on product scope and partner readiness. A focused MVP around one product model and a limited provider stack can often be scoped in a few months. More complex platforms with multiple rails, providers, and internal workflows are materially larger engagements.
Your next step