Neobank development launch a digital bank in 16 weeks.

End-to-end neobank development — core banking, card issuance, KYC, mobile apps, and BaaS integrations. We've helped challenger banks launch in the US, UK, EU, and GCC.

Soluções
Fintech Software Development
Soluções
End-to-end neobank development — core banking, card…
Nesta seção

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.

Perguntas frequentes
  • Do we need a banking license to launch?+

    Most clients launch on a sponsor bank model (BaaS) and graduate to a charter or EMI license once they hit volume. We help structure both paths.

  • Which core banking platform do you recommend?+

    It depends on geography and product. We've shipped on Mambu, Thought Machine, Treasury Prime, Solaris, and custom Go cores.

Equipe KineticHex
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