White-Label Neobank Platform
Shivacha Neobank: Launch a mobile-first neobank on a platform built to scale.
Available
24,180.40
Pending
1,204.00
Pots
3 active
Typical implementation
3–4 weeks
White-label implementation
Customization
Highly customizable
Advanced builds: 4–6+ weeks
- White-label
- Ready to launch
- Production-ready
- Customizable
- API-ready
Timelines refer to software implementation and deployment scope for a defined configuration. Third-party integrations, regulatory approvals, banking and card-issuer onboarding, custody and liquidity agreements, security audits and other external dependencies may require additional time.
Overview
A mobile-first neobank platform with onboarding, accounts, cards, payments, savings pots, rewards and a full operations console — ready to integrate with BaaS partners.
The problem
Neobank founders spend their first year and budget rebuilding the same foundations — onboarding, ledgers, cards, back-office — before they can differentiate on customer experience.
The solution
Shivacha Neobank delivers those foundations ready-made, so founders focus on their audience and proposition. The platform integrates with BaaS providers, card processors and KYC vendors through adapters and scales from launch to millions of customers.
Feature modules
What's inside
Mobile apps
Native-quality iOS and Android apps with a customisable design system.
Onboarding
Fast KYC flows with document capture and liveness via providers.
Accounts & pots
Real-time balances, savings pots and spending categorisation.
Cards
Virtual and physical cards via issuing partners, with in-app controls.
Growth engine
Referrals, rewards, cashback and in-app messaging.
Operations console
Support, KYC review, disputes, limits and treasury views.
Product preview
Designed for operators and end users.
- White-label mobile apps
- BaaS partner abstraction
- Savings pots and round-ups
- Instant card issuance via partners
- Spending insights
- Referral and rewards engine
- Support and compliance console
- Multi-partner, multi-market architecture
- Multi-currency accounts and wallets
- KYC/KYB onboarding via your providers
- Transaction monitoring integration
- Double-entry ledger, notifications and reporting
- ClientCheckout · wallet
- APIIdempotency key
- Identity & KYCVerified
- Risk & complianceRules passed
- Payment gatewayAuthorised → captured
- LedgerDouble-entry posted
- SettlementBank rail · T+1
Journal entry · balanced
| Account | Debit | Credit |
|---|---|---|
| Customer funds | 120.00 | — |
| Merchant payable | — | 118.20 |
| Fee revenue | — | 1.80 |
Architecture
Built to integrate and extend.
Modular services behind stable APIs, deployed into your environment.
Specifications
Deployment, security and integration
Integrations
- BaaS providers
- Card issuing processors
- KYC providers
- Open banking aggregators
- Customer support tools
- Analytics platforms
Security
- Double-entry ledger with immutable journal
- Maker-checker controls for sensitive operations
- Encryption, tokenisation and secrets management
- Strong customer authentication and device binding
- Comprehensive audit trails
- Architecture aligned with PCI DSS where card data is involved
Deployment
- Your cloud account in your chosen region
- Dedicated single-tenant deployment
- Private cloud / on-premises Kubernetes
- Managed deployment with operational support
Customisation
- White-label mobile and web apps
- Product, fee and limit configuration
- Partner and provider adapters
- Custom workflows and back-office tools
- Reporting and data exports
Use cases
Who launches with it
- Niche neobankA bank for freelancers, creators, students or a diaspora community.
- Multi-currency neobankAccounts and cards for international users.
- Embedded neobankBanking inside a larger consumer brand.
- Hybrid neobankAdd stablecoins and digital assets later without re-platforming.
See it in action
Request a tailored demo for your use case.
Demos are tailored to your markets, partners and integration requirements.
Custom engineering
Extend it with our services
Neobank Development
Launch a neobank with a mobile-first experience, modern ledger and licensed banking partners — from MVP to scale.
Learn moreMobile Banking App Development
Secure, intuitive mobile banking apps with biometrics, real-time payments, cards, insights and in-app support.
Learn moreEmbedded Banking
Offer bank accounts and banking features inside your platform through sponsor banks — with native UX and unified ledgers.
Learn moreRelated products
Works well with
Shivacha Digital Bank
A configurable digital banking platform for banks and licensed partners.
Learn moreShivacha Web3 Neobank
A neobank for fiat and digital assets — accounts, cards, swaps and transfers in one app.
Learn moreShivacha Card Management
Technology infrastructure for card-program integrations.
Learn moreLearn more
Related thinking
Ledger-first architecture for a partner-bank neobank
How we structure a neobank so that balances always reconcile with the sponsor bank and partners can be added or replaced.
Learn moreStablecoin settlement layer for a card-accepting payment platform
A hybrid design that lets merchants accept cards as usual while optionally settling in stablecoins.
Learn moreFinTech app development cost: scoping payments, banking and lending products
FinTech budgets are shaped less by screens than by partners, ledgers, compliance and reliability. A guide to the drivers behind a neobank, wallet, payments or lending build.
Learn moreFAQ
Frequently asked questions
How fast can we launch?
White-label software implementation typically takes three to four weeks for a defined configuration. Overall launch timing also depends on banking-as-a-service or partner-bank contracts, card-issuer onboarding, KYC provider setup and regulatory readiness — these are separate from software delivery and are often longer.
Does Shivacha provide a banking licence?
No. Accounts, cards and regulated services are provided by licensed partner banks, EMIs or BaaS providers that you contract with. Shivacha delivers and integrates the software.
Can we switch BaaS partners later?
Yes. The platform's partner abstraction and independent ledger make migration significantly easier.
Can we add crypto features?
Yes — the architecture extends to digital assets through the Shivacha Web3 Neobank and hybrid wallet modules.
Request a product demo.
See how Shivacha Neobank fits your business, and how we would customise and deploy it.