LAUNCH A NEOBANK
Launch a neobank on a ready-made banking platform
Don’t build a bank, launch one. Accounts, international and local payments, FX, cards and crypto under your brand, with a real double-entry ledger underneath and a complete back office beside it. Your brand is a tenant on a live platform, not a three-year engineering programme.
Who launches on FinLabCore
Founders building a neobank or fintech brand. You have the market, the licence track and the go-to-market. What you do not need is two years of core development before the first client.
Established brands adding financial services. Loyalty, payouts, accounts under your own name, as a white-label tenant with your theming across web, mobile and back office.
EMIs and MSBs entering new markets or replacing a stack. Already regulated, outgrowing a provider dashboard or a legacy core, the EMI & MSB page maps your obligations to the platform.
Neobank software that is complete on day one
Everything below is live in production, not a roadmap:
| Capability | Included on day one, live in production |
|---|---|
| Multi-currency accounts & payments | SWIFT, SEPA, local and instant rails including Interac and ACH/EFT, free on-platform transfers |
| FX & crypto | Spot FX with your spread as revenue; crypto accounts, transfers and conversion, booked in the same ledger as fiat |
| Cards | Virtual and physical, full lifecycle, multiple card providers configurable per brand |
| Onboarding & compliance | KYC/KYB with tiered levels, transaction monitoring, four-eyes, safeguarding |
| Pricing & distribution | Tariff engine pricing any client activity, plus a commission-based agent channel |
| Back office | Lifecycle management, accounting operations, ticketing, oversight, full reporting suite |
| Web + native mobile apps | White-labelled web application and native iOS/Android apps with payment signing on mobile |
Day one includes the built-in client experience: saved counterparties, an in-app file manager, record-linked support, PIN-signed payments and multi-company access.
Three routes to a neobank, and what each one costs you
| Build from scratch | Rent a BaaS stack | License FinLabCore | |
|---|---|---|---|
| Core & ledger | Yours, after years of development | The provider’s; you see their dashboard | Yours from day one, a real double-entry ledger in the product |
| Client relationship & data | Yours | Often intermediated by the provider | Yours, your onboarding, your clients, your data |
| Rails & card issuers | You integrate each one | The provider’s menu | Provider-agnostic, your choice, swapped as configuration |
| Pricing control | Build it | Constrained by the provider’s fee schedule | Tariff engine, per client, changed without a release |
| Back office | Build it | The provider’s tooling, gaps included | Complete on day one |
| Regulatory posture | Your licence | You operate under the provider’s licence | Your permissions, or your licensed partners’. The software never substitutes for either |
| Cost shape | Heavy upfront engineering | Per-transaction margin, forever | Software licence plus your own provider agreements |
Renting a BaaS stack is legitimate when you explicitly want to operate under someone else’s licence and accept the dependency. FinLabCore is for the other decision: your permissions, your providers, your books, without building the core.
A white-label neobank platform where a new brand is a new tenant
Your launch does not create a copy of the codebase to maintain. It creates an isolated tenant on one shared, production-proven core: your branding across web, mobile and back office, your enabled capability set, your providers and routing, your tariffs, your compliance rules, your clients and data isolated from every other tenant.
Capabilities are sold, not hardcoded: start with the set your market needs, switch more on with controlled rollout as you grow. The core stays one product, which is why it keeps improving under you after launch. How multi-tenancy works.
From demo to live
- See the live platform. Client web and mobile apps, back office, ledger, running in production. Book a demo.
- Scope your tenant. Capability set, payment providers and card issuers, tariffs, client levels and compliance rules, mapped against your markets and permissions.
- Brand it. Theming across the web app, native iOS/Android apps and back office.
- Go live and operate. Day one starts with a complete back office; new rails, currencies and card programmes are added later as commercial decisions, not rebuilds.
Montowire launched on this platform
Montowire, a multi-currency banking and payments platform for business clients, is the first live tenant: real corporate clients transacting over SWIFT, SEPA and local rails, converting FX and crypto, using cards, through white-labelled web and native mobile apps, operated daily from the FinLabCore back office.
Launching a neobank FAQ
Do we need our own licence to launch?
The regulatory permissions sit with you or with your licensed partner providers, FinLabCore is core banking and payments software, never the licence holder. If you are choosing a licensing route, EMIs & MSBs and Payment Institutions map the obligations to the platform.
How long does a launch take?
Honestly: it depends on your capability set, providers and jurisdictions, so we scope the timeline after the demo rather than quoting a number that fits nobody. What we can say categorically: you are configuring a live platform, not commissioning core development.
What is configurable per brand?
Branding and theming across all channels; the enabled capability set (fiat, rails, cards, crypto); provider selection and routing; price lists down to individual accounts; client tiers, country rules and compliance policies.
Do we get mobile apps, or web only?
Both, on day one: a web application and native iOS and Android apps, white-labelled, with payment authorisation on mobile so signatories are not tied to a desk.
Can we start narrow and expand?
Yes, that is the operating model. Capabilities are enabled per tenant with controlled rollout and instant switch-off; new rails, geographies and card programmes are onboarded as provider integrations and configuration. Integrations.
Do we need to hire an operations team before launch?
You need people, not a build: the back office ships complete, lifecycle management, payment approval, accounting operations, ticketing, reporting, and headcount scales with business volume rather than transaction count.
The fastest way to evaluate a launch is to see one running
Bring your market, your capability list and your licensing plan, we will walk the live platform against it.