Shivacha Web3 Neobank
A neobank for fiat and digital assets — accounts, cards, swaps and transfers in one app.
Available
24,180.40
Pending
1,204.00
Pots
3 active
Overview
A crypto-enabled neobank platform combining fiat accounts via banking partners, digital asset custody via qualified custodians, swaps, cards and on-chain transfers on one unified ledger.
The problem
Users want their bank account, card and digital assets in one place. Building that means integrating banks, card issuers, custodians and liquidity providers — and reconciling them all.
The solution
Shivacha Web3 Neobank unifies those partners behind one ledger and one app, giving users a single experience across fiat and digital assets and giving operators one set of controls.
Feature modules
What's inside
Unified accounts
Fiat and digital asset balances in one view.
Swaps
In-app conversion via liquidity partners.
Cards
Spend from fiat or crypto balances via issuing partners.
On-chain transfers
Send and receive with safety checks.
Savings features
Partner products with clear risk disclosure.
Operations
Treasury, reconciliation, compliance review and support.
Product preview
Designed for operators and end users.
- Unified fiat + crypto ledger
- Custodian integration
- Liquidity aggregation
- Crypto-funded cards via partners
- Address safety checks
- Wallet screening
- Combined statements
- White-label apps
- WalletSigns transaction
- Smart contractVault.deposit()
- BlockchainIncluded in block
- IndexerEvent → Postgres
- APIGraphQL · webhooks
- ApplicationBalance updated
#…4812
12 conf.
#…4813
11 conf.
#…4814
10 conf.
#…4815
pending
Decoded events
- Deposit(0x8f2…a91, 500)confirmed
- Transfer(0x1c7…4de → 0x9b0…77f)confirmed
- RoleGranted(PAUSER, multisig)timelock
RPC failover · 3 providers · reorg-safe indexing
Architecture
Built to integrate and extend.
Modular services behind stable APIs, deployed into your environment.
Specifications
Deployment, security and integration
Integrations
- Banking / e-money partners
- Qualified custodians
- Liquidity providers
- Card issuing processors
- Screening & travel rule providers
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
- Crypto neobankEveryday money with digital assets.
- Diaspora financeCross-border money with stablecoins.
- Business crypto bankingTreasury accounts for crypto-native companies.
- Bank digital asset offeringDigital assets for bank customers.
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
Crypto Neobank Development
Launch a crypto neobank: mobile app, fiat and crypto accounts, cards, swaps and transfers — built on licensed partners.
Learn moreCrypto Banking Platform
Crypto banking platforms combining accounts, cards, transfers and digital assets in one regulated-partner experience.
Learn moreDigital Asset Banking Integration
Integrate digital asset services into banking products — custody, trading, tokenized assets and stablecoins in bank channels.
Learn moreRelated products
Works well with
Shivacha Neobank
Launch a mobile-first neobank on a platform built to scale.
Learn moreShivacha Hybrid Wallet
One wallet for local currency, dollars, stablecoins and tokens.
Learn moreShivacha Crypto Wallet
Custodial or MPC wallets for fintech products and exchanges.
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 moreYour ledger is your product: designing money movement that always reconciles
Fintech products are judged on experience but survive on correctness. A double-entry ledger at the core is what makes balances provable.
Learn moreFAQ
Frequently asked questions
Where are funds held?
Fiat with licensed banking or e-money partners; digital assets with qualified custodians.
Is yield included?
Only if you integrate a suitably structured partner product; this requires regulatory assessment.
Can it launch fiat-only first?
Yes. Digital asset modules can be enabled later.
Request a product demo.
See how Shivacha Web3 Neobank fits your business, and how we would customise and deploy it.