Crypto Neobank Development
Launch a crypto neobank: mobile app, fiat and crypto accounts, cards, swaps and transfers — built on licensed partners.
- 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
A crypto neobank brings the neobank model — mobile-first, fast, focused — to users who want digital assets in their everyday finances. We build crypto neobanks end-to-end: onboarding, fiat and digital asset accounts, swaps via liquidity partners, cards, on-chain transfers, savings features and back-office, with partners providing the regulated services.
Common use cases
- Consumer crypto neobankEveryday money with digital assets.
- Diaspora financeCross-border money using stablecoins.
- Creator economy financePayments and savings for creators.
- Emerging market dollar accessStablecoin-denominated savings via partners.
Quick answers
Crypto Neobank Development at a glance
The essentials in brief. Every project is scoped individually — ask us for specifics.
- What is crypto neobank development?
- Launch a crypto neobank: mobile app, fiat and crypto accounts, cards, swaps and transfers — built on licensed partners.
- 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?
- Mobile app
- Swaps
- On-chain transfers
- Cards
- Growth features
- Back-office
- 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
Mobile app
Native-quality apps with simple crypto UX.
Swaps
In-app conversion via liquidity partners.
On-chain transfers
Send and receive with address safety checks.
Cards
Spend from crypto and fiat balances.
Growth features
Referrals, rewards and notifications.
Back-office
Support, compliance review and treasury.
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 Banking Platform
Crypto banking platforms combining accounts, cards, transfers and digital assets in one regulated-partner experience.
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
How do users avoid sending to wrong addresses?
Through address validation, network checks, address book, screening and confirmation steps with clear warnings.
Can a crypto neobank offer interest?
Only if a suitable, legally structured partner product exists; this is a regulatory question, not only a technical one.
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 neobank development 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.