Mobile and web banking apps
Polished iOS, Android, and web apps with balances, transfers, statements, and support, from one design system so the brand stays coherent everywhere.
AI-Built Banking Solution
Digital Banking Solution Development
An AI-first build of a complete digital banking solution: mobile and web banking your customers actually enjoy, onboarding that converts, cards with real controls, and fraud intelligence watching every transaction. Ships white-label with 100% source code, owned by you from day one. The almost-ready AI build goes live in 6 working days; a custom build takes 3 to 4 weeks.
Launch-ready from
$3,699
- Live in 6 working days
- 60 days support
- Complete source codes
- Complete rebranding
- White-labeling
- 1 year free updates
Engineers
Almost-ready AI launch
Custom build
Source-code ownership
Trusted by the brands we build for
Moxace fintech platforms by the numbers
Canonical facts, not promises.
- /012010Operating Since15+ years shipping apps
- /029,000+Projects Deliveredacross 35+ industries
- /033,900+Apps Publishedin 25+ countries
- /04500+Engineersfintech-fluent teams
overview
What is a full digital banking solution?
A digital banking solution is the complete customer-facing and operational software of a modern bank: mobile and web banking apps, in-app onboarding with tiered KYC, accounts and transfers, card issuing and controls, savings products, and the operational consoles that let a licensed institution run all of it. Where a core ledger emphasizes the books, the solution emphasizes the experience and the product surface around it.
The business problem it solves is customer economics. Digital banking customers judge their bank by the app, and institutions that own a modern experience acquire and retain customers at materially better economics than those renting a generic front end. The operator who owns the software also owns the roadmap, the data, and the margin.
A complete build includes the customer banking apps for iOS, Android, and web, an onboarding and KYC flow, the product layer for accounts, cards, and savings, an operations console for support and compliance, and integrations to the licensed rails and issuers behind it all.
Market context, hedged: the shift of primary banking relationships to mobile is structural and widely observed, but this is a licensed activity everywhere. We make no claims about market size, and the build is framed compliance-first: the software enforces the process, while licenses and partner-bank relationships are yours to hold per market.
Main features of our digital banking solution
The headline capabilities, at product level.
In-app onboarding with tiered KYC
Document capture, liveness checks, and verification tiers that gate limits, wired so funds cannot move around the checks.
Cards with real controls
Virtual and physical cards via issuer integrations, with freezes, merchant categories, and travel controls the customer manages themselves.
Transfers and scheduled payments
Internal, domestic, and international transfers through configured rails, with standing orders and cutoff handling done properly.
Savings and goal products
Pockets, round-ups, and goal accounts with configurable interest accrual, launched per market from the admin console.
AI fraud and security scoring
Real-time transaction scoring with step-up authentication on risk, so security tightens exactly where it should and nowhere it frustrates.
Personal finance insights
Spending categorization, budgets, and cash-flow forecasts that turn raw transactions into reasons to keep the app open.
Operations and support console
KYC queues, transaction monitoring, customer support tooling, and audit exports that regulators and partners can read without a translator.
Who should launch a digital banking solution?
What these buyers share: a licensed or partnered path to market and customers who will judge them by the app. If you bring the license, the experience is the part we handle.
Digital-first banks
Launching or relaunching a consumer banking experience that competes on app quality, with the operational consoles behind it included.
Incumbent banks rebuilding
Replacing a dated front end with modern iOS, Android, and web apps your own team can own, extend, and audit.
BaaS-powered fintechs
Building the customer brand on a sponsor bank's rails, with tiered KYC and card products configured to your agreement.
MFIs, credit unions, and neobank incumbents
Digitizing member banking without losing the compliance discipline regulators already expect from you.
Agencies and system integrators
Delivering branded banking solutions to licensed clients, every deployment a standalone institution on 100% source code.
Feature panels of your banking solution
Four products operating as one system. Every panel ships in every build.
Customer apps
The experience your brand is judged by.
- ✓Accounts and balances
- ✓Transfers and scheduled payments
- ✓Card management with controls
- ✓Savings pockets and goals
- ✓Spending insights and budgets
- ✓Push and biometric security
- ✓Statements and receipts
- ✓In-app support chat
- ✓Multi-language interface
- ✓Cross-device session sync
Onboarding flow
Where conversion is won or lost.
- ✓Document capture with quality checks
- ✓Liveness verification
- ✓KYC tier selection
- ✓Progress indicators with partial saves
- ✓Rejection and resubmission flows
- ✓Referral codes
- ✓Product selection at signup
- ✓Instant account provisioning
Operations console
For compliance and support teams.
- ✓KYC review queue
- ✓AI-prioritized transaction review
- ✓Card lifecycle management
- ✓Customer account tooling
- ✓Dispute and chargeback intake
- ✓Role-based permissions
- ✓Audit trail and exports
- ✓Support SLA dashboards
Product and rules engine
Where the bank's commercial logic lives.
- ✓Fee schedules per product and market
- ✓Interest accrual configuration
- ✓Velocity and amount limits
- ✓Step-up authentication rules
- ✓Promotional pricing windows
- ✓Product eligibility rules
- ✓Multi-currency settings
- ✓Change management with approvals
The admin control plane: running the bank as an operator
Four consoles, one view of compliance, customers, and commerce.
Compliance console
The KYC review queue with tier approvals, AI-prioritized transaction review, dispute and chargeback intake, and role-based permissions over a full audit trail.
Customer operations console
Customer account tooling, card lifecycle management, support SLA dashboards, and rejection and resubmission handling for onboarding edge cases.
Product rules console
Fee schedules per product and market, interest accrual configuration, velocity limits, step-up authentication rules, and change management with approvals.
Money console
Revenue reporting across interchange, fees, and margin, promotional pricing windows, multi-currency settings, and audit trail exports for finance and regulators.
How a customer's money moves
The core journeys behind accounts, cards, and transfers.
- 01
Onboard and verify
The customer applies in-app, completes document capture and liveness, and receives an account and virtual card the moment their tier confirms.
✓ step 01 complete - 02
Fund the account
Deposits arrive from configured rails or inbound transfers and post to the ledger with instant balance visibility.
✓ step 02 complete - 03
Spend and transfer
Card purchases and transfers pass limit, balance, and KYC checks server-side before moving, with step-up authentication on elevated risk.
✓ step 03 complete - 04
Save and grow
The customer splits money into pockets and goals, and interest accrues per configured rules with statements that explain themselves.
✓ step 04 complete - 05
Resolve when needed
Disputes, freezes, and support requests route to the operations console with full transaction context attached to the case.
✓ step 05 complete - 06
Stay and deepen
Insights and tier upgrades deepen the relationship, and engagement signals tell your team which customers need attention before they churn.
✓ step 06 complete
AI inside the banking solution
Five model-driven systems working the same customer stream. Each ships pre-tuned for banking workloads and sharpens as your data compounds.
Fraud and security scoring
Scores every transaction in real time and triggers step-up authentication at the right moments, so security is felt as convenience, not friction.
Reads
Transaction stream, device signals, location, velocity patterns
Changes
Fraud stopped at authorization with fewer false declines
Spending intelligence
Categorizes transactions, detects subscriptions and duplicates, and powers budgets and insights that keep the app opened weekly.
Reads
Transaction history, merchant data, categorization feedback
Changes
An app customers keep, because it earns its home-screen slot
Onboarding risk assessment
Scores application risk from document quality, device, and behavioral signals, so manual review focuses on the cases that deserve it.
Reads
Application data, document checks, device and network signals
Changes
Faster approvals for good customers, tighter gates for bad ones
Support and dispute triage
Classifies inbound messages, summarizes account context, and ranks the queue so sensitive cases reach humans first.
Reads
Support threads, transaction context, product state
Changes
Support costs that scale sublinearly as the customer base grows
Churn and Next-product signals
Detects disengagement and product-fit opportunities, driving retention and cross-sell at the moments they actually work.
Reads
Login cadence, product adoption, balance trends
Changes
Retention and cross-sell timed to the customer, not the calendar
platform concepts
Concepts that make digital banking work
The first concept is the trust ladder. Customers onboard in minutes at a limited tier and unlock capacity as they verify, so growth comes from the experience rather than a queue, while the compliance surface grows with exposure. Fees and product terms attach per tier and per market, keeping the commercial model legible as you expand.
The second is transaction integrity under a friendly surface. Every card authorization and transfer posts to a double-entry ledger with idempotency and a full audit trail, no matter how polished the app looks on top. The experience wins the customer; the ledger keeps the regulator calm.
The third is the product rules engine. Fees, limits, interest, and eligibility live as configurable rules rather than hardcoded logic, with change management and approvals. That structure is what lets a bank launch a promotional rate, tighten a limit, or open a new market without waiting on a release cycle.
How your banking solution earns
Interchange revenue on card spend, the workhorse of modern digital banking economics.
Account plans and service fees, from free tiers to premium subscriptions with richer limits and support.
Interest margin on savings products and configured accrual products.
Credit and lending products where your license permits, priced by the risk models.
Every rate and rule lives in the admin console, so you can reprice per market without a code release.
Feature groups that decide whether customers trust the app
Four groups, each mapped to the part of the digital-banking promise it protects.
The trust ladder
Customers onboard in minutes at a limited tier with document capture, liveness, and instant account provisioning, then unlock capacity as they verify, so growth comes from the experience rather than a queue.
Transaction integrity
Every card authorization and transfer posts to a double-entry ledger with idempotency and a full audit trail, no matter how polished the app looks on top. The experience wins the customer; the ledger keeps the regulator calm.
The product rules engine
Fees, limits, interest, and eligibility live as configurable rules with change management and approvals, so launching a promotional rate or opening a market never waits on a release cycle.
Daily-money experience
Savings pockets and goals, spending insights and budgets, scheduled and multi-currency payments, and cross-device session sync, the daily surface that keeps the app installed.
insight
The market numbers behind the digital banking opportunity
Digital banking keeps compounding toward the trillion-dollar mark in global revenue by 2030 on widely published forecasts, with neobanks reaching sustained profitability on interchange, float, and fee stacks and member institutions digitizing under regulatory discipline they already carry.
The engineering wedge is conversion and integrity together: an onboarding flow that wins sign-ups and a ledger that survives audit are the two halves operators actually buy, and a rules engine that reprices without releases is what keeps the commercial model legible. The revenue table below quantifies the lines.
Revenue lines, typical ranges, and what sets each ceiling
Six monetization lines across the platform, quantified against published industry benchmarks. Every rate is admin-configurable; the figures here are modelling inputs, not projections of your platform's earnings.
| Criteria | Revenue line | How it is charged | Typical range | What sets the ceiling |
|---|---|---|---|---|
| Interchange | Per-transaction revenue on card spend | Interchange commonly 0.2% to 2% of spend | Active spend. Revenue scales while cards stay top-of-wallet | |
| Account plans and fees | Free tiers to premium subscriptions | Plans commonly $0 to $25+ per month | Perceived value. Premium holds while perks stay worth it | |
| Interest margin | Margin on savings and accrual products | Margins commonly 1% to 5% on deposits | Deposit growth. Margin scales while trust holds | |
| Credit and lending | Loans where your license permits | Spreads commonly 5% to 25%+ by risk tier | Risk models. Credit earns while underwriting stays honest | |
| Value-added services | Insurance, travel, and marketplace attach | Attach commonly $1 to $10+ per active account per month | Engagement depth. Services earn while the app stays daily | |
| White-label deployments | Branded cores for banks and fintechs | Deployments commonly $50,000 to $500,000+ | BaaS demand. Deals close while the rules engine stays configurable |
Every build ships with
Standard inclusions on every engagement, almost-ready or custom. Nine things you never have to ask for.
100% source code, full IP
The complete unencrypted codebase transfers to you, with documentation and deployment scripts.
White-label branding
Your logo, colors, and store accounts across all four panels, plus branded customer communications.
Store submission and launch
App store and Play Console submissions handled end to end, with production monitoring switched on.
Payment and issuer integrations
Card issuers, BaaS partners, and payment rails configured per your sponsor agreements, with reconciliation views.
AI models Pre-tuned
Fraud scoring, spending intelligence, and triage arrive configured for banking, not as raw APIs.
Multi-language and Multi-currency
Languages, currencies, and regional settings configured for your markets during the launch window.
Hardened infrastructure
Containerized services with encrypted secrets, redundant deployments, and disaster-recovery configurations.
Admin analytics and reports
Onboarding, compliance, and revenue dashboards plus regulator-ready exports so your team starts informed on day one.
Post-launch support and updates
Included support window plus product updates covering bug fixes, OS compatibility, and version upgrades.
Technology behind the solution
The experience wins customers. The engineering keeps the license.
Cross-platform apps
iOS, Android, and web from one design system with biometric security and offline-tolerant states, so the brand stays coherent on every device.
Ledger and transaction integrity
Double-entry posting, idempotency, and immutable audit history under the friendly surface, so the books reconcile by construction.
Security and compliance
Encryption everywhere, tiered KYC, sanctions-screening hooks, AML monitoring, and export-ready audit trails that satisfy real reviews.
Infrastructure
Containerized services with redundant deployment and recovery tooling. See how this fits our wider fintech app development practice.
Integrations
Card issuers, BaaS providers, identity vendors, and notification services ship as configured integrations, so the solution plugs into the institutional stack you already run.
Product rules engine
Fees, limits, interest, and eligibility as admin-configurable rules with approvals, so commercial changes never wait on a release.
Your launch timeline: live in 6 working days
The almost-ready AI build, day by day. Regulatory approval timelines are yours and sit outside this window.
- 01
Days 1-2: scoping and branding
Products, tiers, and markets locked with a written scope, and your identity applied across every app and console.
✓ step 01 complete - 02
Days 3-4: configuration and integration
Issuer, BaaS, identity, and notification integrations configured and tested against your live partner accounts.
✓ step 02 complete - 03
Days 5-6: product build and pilot
Onboarding, cards, and savings configured, and a pilot cohort runs the full journey: apply, verify, fund, spend, support.
✓ step 03 complete - 04
Days 7-9: store review and go live
App store submissions with review buffers accounted for, production monitoring on, and full launch with post-launch support included.
✓ step 04 complete
Almost-ready AI launch or custom build: the honest comparison
Both tracks ship the same banking core. The difference is time, price structure, and how much you want to change.
| Criteria | Almost-Ready AI Launch | Custom Build |
|---|---|---|
| Time to live | 6 working days from branding handoff | 3 to 4 weeks, scoped before work starts |
| Pricing | Fixed written quote after a short scoping call, no hourly meter | Estimated per module after the discovery call |
| Source code and IP | 100% ownership on delivery | 100% ownership on delivery |
| AI layer | Fraud scoring, insights, and triage pre-tuned for banking | AI services designed around your products and data |
| Product surface | Accounts, cards, and savings ready to configure | Any product mix, designed to your roadmap |
| Onboarding | Tiered KYC flow included and tested | Onboarding designed to your conversion data |
| Best for | Operators who want to launch this quarter | Institutions with bespoke products or regimes |
$ moxace launch --nowExperience the banking apps before you commit.
Book a walkthrough of the customer apps and operations console on a live build, then receive the written scope.
- 01
Share your idea
a quick call, no deck required
- 02
See the live demo
every screen, admin to user
- 03
Launch with source
full code, your brand, your servers
What moves your quote
No two launches price the same. These are the factors that shape the written quote you receive after scoping.
Scope of customization
The almost-ready AI build covers the proven feature set. Bespoke products, credit flows, or unique policy engines add scoped estimate work.
Markets and regulatory regimes
KYC tiers, limits, and product terms are configured per market and license. Adding regimes means more configuration, never a rebuild.
Integrations
Issuers, BaaS partners, identity vendors, and rails are wired during the build, and each integration is estimated individually.
AI tuning depth
Out of the box, fraud and insight models are pre-tuned for banking. Training on your historical data is an optional, separately scoped workstream.
Add-on modules that deepen the platform
Extend the banking solution once the core account loop is running.
Credit and lending pack
Loan origination with risk-model pricing and repayment scheduling, where your license permits, the margin-rich line of banking.
Savings and goals pro
Round-ups, automated saving rules, and goal tracking with interest accrual, the engagement feature that grows deposits.
Referral and growth engine
Referral codes with tiered rewards wired into onboarding, the acquisition loop that compounds through existing customers.
Financial wellness insights
Personalized budgets, subscription detection, and cash-flow forecasting, the daily-open driver that keeps the app installed.
B2B and corporate mode
Business accounts with approval flows and bulk payments, anchoring higher-balance relationships.
White-label core reseller
Deploy the solution for credit unions and regional fintechs under their own identity, with per-tenant rules and rail configuration.
/21
Why institutions pick our banking solution
Consumer-grade experience with bank-grade engineering.
Experience-led design
The customer apps are designed as products, not admin panels with a logo, because the app is where digital banks win or lose.
Compliance ready
KYC tiers, AML queues, and audit exports ship built in. Licenses are yours to hold; the software enforces the process.
Full ownership
One hundred percent of the source code transfers to you. No per-account royalties, no black-box dependencies in a regulated stack.
Adjacent products
Start from our banking script ledger core or pair with our fintech app development practice on the same system.
Proof from platforms we have shipped
Canonical deployments from our own portfolio. Metrics are reported from live platforms, not projections.
Etihad Airways
A high-traffic consumer platform our team ships and operates at national-carrier scale, the same bar every build is held to.
1M+
Monthly Users
40%
Engagement Lift
PragPlay
A consumer platform from the same engineering system, proving the infrastructure core holds under real-time load with strict uptime demands.
500K+
Players
99.9%
Uptime
Marvel Studios
A high-volume consumer experience our team ships at global-release scale, the same discipline applied to every launch.
10M+
Streams
65%
Completion
Frequently asked questions
Security and integrity
Tap a card to see how the platform defends its customers.
Onboarding Wins in Minutes
Document capture with quality checks, liveness verification, and instant account provisioning at a limited tier, with partial saves keeping abandonment low.
The Ledger Stays Boring
Every card authorization and transfer posts to a double-entry ledger with idempotency and a full audit trail, so the regulator stays calm no matter how polished the app is.
Rules Change Without Releases
Fees, limits, interest, and eligibility live as configurable rules with change management and approvals, so a promotional rate ships the day you approve it.
Step-Up Fires When Risk Does
AI fraud scoring runs on every transaction in real time and triggers step-up authentication at the right moments, holding suspect payments for ranked human review.
Cards Obey Their Owner
Freezes, merchant category controls, travel notices, and virtual card issuance enforce server-side, reducing fraud and support volume together.
Expansion Is Configuration
Limits, currencies, and product terms manage per market, so opening a new country is configuration plus partner integrations, scoped in writing before starting.
Frequently asked questions
the process
What to expect when building your banking solution with us
The engagement starts with a discovery call and ends with a written scope and quote before any work begins. On the almost-ready AI path you hand over branding assets and partner agreements, we apply your identity across every app and console, configure products, tiers, and integrations, and go live in 6 working days. Custom modules are scoped as sprints and quoted in writing first, so there are no surprise invoices.
After launch you have post-launch support and product updates included. Expect the first 90 days to be about operations and conversion: watching the onboarding funnel, tuning fraud thresholds against real traffic, and clearing support and KYC queues efficiently. The software handles integrity, auditability, and the experience; the license, the partners, and the operating discipline are what make it a bank.
Live in action
See It Live Before You Talk to Us
Open the web app, sign in with the printed demo credentials, or install the Android build — no signup, no sales call. What you see is what you launch.
Web Panels
- Branch operations
- KYC
- Core banking console
Branch: https://mxbank.mimeld.com/admin
Admin: https://mxbank.mimeld.com/admin
$ moxace launch --nowLaunch digital banking your customers will actually use.
Book a free consultation and get a written scope and price.
- 01
Share your idea
a quick call, no deck required
- 02
See the live demo
every screen, admin to user
- 03
Launch with source
full code, your brand, your servers
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