Crypto Banking Platform
Crypto banking platforms combining accounts, cards, transfers and digital assets in one regulated-partner experience.
- 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
Division
Service area
Web3 FinTech
Engagement
Project · Team · Managed
Overview
Crypto banking platforms offer banking-style services around digital assets: holding crypto and fiat, spending via cards, sending and receiving on-chain and via bank rails, and viewing everything in one statement. We build these platforms by integrating banking partners, card issuers, custodians and ramps behind one ledger, with a single customer identity and risk profile.
Common use cases
- Crypto-friendly bank experienceFiat accounts and crypto side by side.
- Business crypto bankingTreasury accounts for crypto-native companies.
- Crypto spendingCards funded from digital asset balances.
- Global transfersStablecoin and fiat transfers in one app.
Quick answers
Crypto Banking Platform at a glance
The essentials in brief. Every project is scoped individually — ask us for specifics.
- What is crypto banking platform?
- Crypto banking platforms combining accounts, cards, transfers and digital assets in one regulated-partner experience.
- Who is it for?
- Typically neobanks, payment companies, lenders, wealth platforms and financial institutions building or modernising customer-facing and back-office systems.
- What does Shivacha provide?
- Unified ledger
- Banking partner integration
- Custody integration
- Card integration
- Statements
- Risk integration
- Which technologies are used?
- Ethereum, Solana, TRON, Base, ERC-20, MPC Cryptography — chosen to fit your stack and constraints.
- How does the process work?
- Product & regulatory model → Ledger & custody design → Chain integration → Risk integration → Operational readiness.
- What affects the cost?
- Banking, card, payment and KYC partners to integrate
- Ledger and reconciliation complexity
- Number of currencies, countries and payment rails
- Compliance, reporting and audit requirements
- Mobile, web and back-office scope
- Availability and disaster-recovery targets
- How long does it take?
- A regulated-market MVP usually takes 4–7 months including partner integrations; extensions to an existing platform can ship in weeks.
- How do I get started?
- Share a short brief in the form below, book a 30-minute call or message us on WhatsApp. A senior engineer replies within one business day; NDA on request.
Capabilities
What we deliver
Unified ledger
Fiat and digital asset balances in one core.
Banking partner integration
Fiat accounts via licensed banks.
Custody integration
Digital assets via qualified custodians.
Card integration
Cards funded from multiple balances via issuers.
Statements
Combined fiat and crypto statements.
Risk integration
Consistent KYC and monitoring across rails.
Architecture
Engineered right from day one
The layers we typically design for Web3 FinTech, adapted to your stack and partners.
- On-chain / off-chain reconciliationCustomer ledgers reconciled continuously with wallet and custodian balances.
- Key managementInstitutional custody or MPC integration, never ad-hoc key storage.
- Chain reorganisationsConfirmation policies and reorg handling per network.
- Regulatory positioningRegulated activities performed by licensed partners; we build the technology.
Delivery
How an engagement runs
- 1
Product & regulatory model
Define products and which licensed partners provide custody, exchange and fiat services.
- 2
Ledger & custody design
Internal ledger reconciled to on-chain balances and custodian records.
- 3
Chain integration
Deposit detection, withdrawals, confirmations and fee management per network.
- 4
Risk integration
Screening, monitoring and travel-rule messaging integrated into flows.
- 5
Operational readiness
Treasury, reconciliation and incident procedures before launch.
Security
Security built into delivery
Controls we apply by default on this kind of work — not a separate phase at the end.
Ledger integrity
Double-entry, immutable journals and daily reconciliation against partners.
Idempotent money movement
Every payment operation safe to retry, with no double-spend.
Access control
Maker-checker approvals, least privilege and full audit logging.
Data protection
Encryption in transit and at rest, tokenised card data and PCI-aware architecture.
Technology
Tools we use for this
Products
Start from a platform
Shivacha Web3 Neobank
A neobank for fiat and digital assets — accounts, cards, swaps and transfers in one app.
Learn moreShivacha Crypto Wallet
Custodial or MPC wallets for fintech products and exchanges.
Learn moreShivacha Crypto Payments
Accept and send digital assets with the operational comfort of card payments.
Learn moreRelated services
Often combined with
Web3 FinTech Development
Web3 FinTech products — crypto banking, stablecoin payments, digital asset trading and tokenized finance — built to financial standards.
Learn moreCrypto Neobank Development
Launch a crypto neobank: mobile app, fiat and crypto accounts, cards, swaps and transfers — built on licensed partners.
Learn moreDigital Asset Bank Technology
Technology for digital asset banks and licensed institutions: custody, trading, lending, payments and reporting.
Learn moreDedicated team
FinTech Engineering Team
Engineers experienced in ledgers, money movement and financial partner integrations.
Work & insights
Related thinking
Stablecoin settlement layer for a card-accepting payment platform
A hybrid design that lets merchants accept cards as usual while optionally settling in stablecoins.
Learn morePolicy-controlled institutional digital asset operations
A reference design for institutions that need every digital asset transaction initiated, approved and signed under explicit policy.
Learn moreStablecoins in the enterprise treasury: a technology checklist
Before holding or moving stablecoins, enterprises need custody, policies, accounting data, reconciliation and clear partner responsibilities.
Learn moreFAQ
Frequently asked questions
Can crypto and fiat be in one account?
In the experience, yes; underneath, fiat is held with banking partners and digital assets with custodians, unified by our ledger.
Which partners are needed?
Typically a banking or e-money partner, a card issuer and processor, a custodian and liquidity or ramp providers.
How is Web3 FinTech different from a crypto exchange?
Web3 FinTech focuses on financial-services products — accounts, payments, cards, savings, treasury — that use digital assets, rather than purely on trading. Exchanges are one component we also build.
Which stablecoins and networks do you support?
We integrate the stablecoins and networks your partners and markets require, commonly on Ethereum, major Layer 2 networks, Solana and Tron. Selection is driven by liquidity, cost and compliance considerations.
Next step
Discuss Your Blockchain Project.
Tell us about your crypto banking platform requirements — goals, timeline and constraints. We will reply with questions, an approach and next steps.
- Senior engineer reads every enquiry
- Reply within one business day
- NDA on request
Your details are used only to reply to this enquiry.