The problems we solve
- Banking license & sponsor bank complexity — BaaS partner selection, BIN sponsorship, and program manager agreements take months.
- Customer trust and onboarding drop-off — Industry-average sign-up abandonment is over 40% — every extra screen costs accounts.
- Regulatory reporting at scale — Suspicious activity, currency transaction, and Reg E disclosures must be automated.
What's included
- Modular core banking ledger — Double-entry, event-sourced, idempotent — supports multi-currency, sub-accounts, savings pots.
- Card issuance & program management — Virtual and physical debit/credit cards via Marqeta, Galileo, Lithic, or Stripe Issuing.
- Instant KYC, KYB & AML — Persona, Alloy, Onfido, ComplyAdvantage integrations with risk-based step-up.
- Mobile-first iOS & Android apps — React Native or Flutter with biometrics, push, and offline-first patterns.
- Treasury, FX, and money movement — ACH, SEPA, FedNow, RTP, SWIFT, and crypto on/off ramps via Circle and Fireblocks.
Outcomes you can measure
- MVP neobank live in 16 weeks
- Sub-90-second customer onboarding
- Sponsor-bank-ready compliance pack
- Scales to millions of accounts on cloud-native infra
Technology stack
React Native · Flutter · Go · Kotlin · PostgreSQL · Temporal · Marqeta · Plaid · AWS
Typical timeline
8–16 weeks to a production-ready MVP. Fixed-scope discovery in week 1, working software every 2 weeks.
