Double-entry ledger core
Every movement posts as a balanced, immutable entry, so balances reconcile by construction.
AI-Built Neobank Clone
Neobank Clone App Development
An AI-first build of every retail money mechanic: transaction risk scoring in real time, fraud signals on every card and transfer, and personalization that grows engagement per customer segment. Three synced panels ship white-label with 100% source code, on a double-entry ledger. The almost-ready AI build goes live in 6 working days; a custom build takes 3 to 4 weeks.
Launch-ready from
$7,299
- Live in 6 working days
- 60 days support
- Complete source codes
- Complete rebranding
- White-labeling
- 1 year free updates
Synced panels
Almost-ready AI launch
Custom build
Source-code ownership
Trusted by the brands we build for
Fintech delivered, not promised
Canonical facts behind every build.
- /012010Operating Since15+ years shipping apps
- /029,000+Projects Deliveredacross 35+ industries
- /033,900+Apps Publishedin 25+ countries
- /0490+Ready Platforms in Cataloglive in production
overview
What is a neobank clone app?
A neobank clone app is a white-label banking product: KYC onboarding, accounts on a double-entry ledger, P2P transfers, virtual and physical cards, and savings pots, built for operators working with licensed banking partners.
Its purpose is to put a branded banking experience in front of a niche the incumbent banks underserve. Communities, gig platforms, and regional markets all have money habits the generic bank app ignores; the operator owns the interface and the customer relationship while licensed partners hold the rails.
The build covers the customer app for day-to-day money, a compliance console for KYC and AML operations, and an admin panel for card programs, fees, limits, and settlement views.
Neobanking has moved from novelty to expected category, with growth concentrated in segments the incumbents treat as afterthoughts. The structural reality is partnership: a license or sponsor-bank agreement sits with you as the operator, and the software must be auditable enough to satisfy both your regulator and your partner's.
Main features of our Neobank-style app
The headline layer above the panels.
KYC onboarding pipeline
Document and selfie capture with provider verification and a human review queue for flagged cases.
Instant P2P transfers
Contact-based transfers with idempotent processing and tier-based limits enforced server-side.
Virtual and physical cards
Card programs through established issuance platforms, with freeze, limits, and tokenization.
Savings pots
Goal-tracked, ring-fenced balances on the same underlying ledger, the engagement feature that lifts deposits.
Compliance console
Sanctions screening hooks, transaction monitoring alerts, and audit trails built for your AML duties.
Configurable fee structure
Interchange-driven economics plus subscription tiers and FX margins where licensing permits, all admin-set.
Who should launch a Neobank-style app?
What these buyers share: a banking license or sponsor-bank partnership, and a customer segment the incumbent banks ignore.
Fintech founders
Serve underserved communities or professions with a branded money app, and let risk scoring and audit-ready tooling satisfy your partners from day one.
Gig and marketplace platforms
Embed accounts, cards, and payouts for your existing users, with the ledger reconciling against your platform's own flows.
Regional players
Enter markets where incumbent banks are thin, with local payment rails and verification tiers your segment actually needs.
Lenders and payment companies
Extend into accounts and spending, so repayment and deposits live in the same app as your existing product.
Community and membership organizations
Give your members branded accounts and cards, with the compliance console doing the work your sponsor bank expects to see.
Feature panels of your Neobank-style app
Every panel below ships in every build.
Customer app
The day-to-day money app your users judge instantly.
- ✓KYC onboarding flow with document capture
- ✓Account and balance dashboard
- ✓Instant P2P transfers by contact
- ✓Virtual and physical card management
- ✓Card freeze and limits controls
- ✓Personalized spending insights
- ✓Savings pots with goal tracking
- ✓Transaction feed with categories
- ✓Bills and scheduled payments
- ✓Push alerts for every movement
- ✓Statements and exports
Compliance console
KYC and AML operations without spreadsheets.
- ✓KYC review queue with statuses
- ✓Document and selfie verification workflow
- ✓Sanctions and PEP screening hooks
- ✓Risk-scored transaction alerts
- ✓Transaction monitoring alerts
- ✓Case management with notes
- ✓Suspicious activity reporting
- ✓Audit trails on every action
Admin panel
Product, risk, and money from one console.
- ✓User and account management
- ✓Card program configuration
- ✓Fee and interest settings
- ✓Transfer limit rules
- ✓Payout and settlement views
- ✓Dormancy and closure flows
- ✓Revenue analytics
- ✓Support ticket queue
- ✓Reporting exports
The admin control plane, capability by capability
Beyond account administration: the operational systems that keep a money platform governable at scale.
Partner and program governance
Banking partners and card issuers are managed inventory: provider health, reconciliation against partner reports, and program configuration within licensed permissions, so a partner change is a routing decision, not a rebuild.
Agent and merchant network ops
Agent onboarding, float and liquidity management, merchant account lifecycle, and POS settlement monitoring, so the physical network that makes the app useful in cash economies stays reconciled.
Risk and compliance operations
KYC review queues, sanctions screening, transaction monitoring with case management, and reason-coded audit trails, producing exactly the evidence your regulator and sponsor bank expect to review.
Money movement analytics
Interchange, subscription, FX, and merchant revenue report alongside float, liability, and engagement cohorts, so the unit economics your program depends on are visible daily, not reconstructed quarterly.
How money moves through the app
The customer journey from identity check to savings goal.
01
Verify identity
The customer captures documents and a selfie in-app; verification runs through your provider and flagged cases route to the human review queue.
02
Open the account
On approval the account activates on a double-entry ledger, with every subsequent movement posting as a balanced, auditable entry.
03
Fund and transfer
The customer receives funds by bank transfer and sends P2P payments to contacts instantly, with transfer limits enforced by account tier.
04
Spend on virtual cards
They create virtual cards with per-card freeze and spending limits, with physical cards issued through your card program when the tier allows.
05
Save into pots
Savings pots ring-fence money toward goals, tracked separately from the spending balance but on the same underlying ledger.
06
Monitor everything
Push alerts fire on every movement, statements export on demand, and transaction monitoring alerts keep the compliance console informed.
AI inside the platform
Five model-driven systems working the same money stream. Each ships pre-tuned for retail banking and sharpens as your data compounds.
Transaction risk scoring
Scores every card and transfer movement in real time so suspicious activity blocks before it settles, not after.
Reads
Merchant categories, velocity, device signals, amount patterns
Changes
Fraud caught at authorization instead of discovered in disputes
AML pattern detection
Learns normal behavior per customer segment and surfaces structuring and layering patterns into case management.
Reads
Transaction history, corridor patterns, peer-group behavior
Changes
Fewer false positives for your compliance team to clear
Credit-readiness signals
Builds affordability signals from account and spending history for the lending lines you may add later.
Reads
Inflow stability, balance curves, repayment markers
Changes
Lending products launch on evidence instead of guesswork
Personalized engagement
Ranks the insights, pot nudges, and plan upgrades each customer actually responds to.
Reads
Spending categories, feature usage, tenure
Changes
Higher card activity and deposit engagement per customer
Document screening assist
Pre-screens KYC document quality so clean applications auto-approve and only genuine edge cases reach the human queue.
Reads
Document images, extraction confidence, submission patterns
Changes
Faster onboarding with a review queue your team can clear
Feature groups that complete the platform
The modules that turn a wallet app into a full financial product, each toggleable and configurable within your program's permissions.
Merchant app and NFC acceptance
A merchant-side app with POS workflows, NFC card acceptance, invoices, and transaction management, so your customers' businesses bank on the same platform as their spending.
Agent-assisted cash network
Agent apps for cash deposits and withdrawals reach customers the branch system never did, with every agent movement reconciling on the same ledger.
Crypto integration
Buy, sell, and P2P crypto trading with trade advertisements, letting customers hold traditional and digital assets in one platform where your program permits.
Payment links and requests
Customers generate payment links and buttons for collecting payments and donations, turning the wallet into a receiving tool, not just a spending one.
Budgeting and insights
In-app budgeting with category tracking and personalized insights, the engagement layer that makes the app open daily rather than monthly.
Loans, fixed deposits, and pension products
Lending, fixed-deposit, and deposit-pension workflows with automated interest calculations, launching on the credit-readiness signals the platform already computes.
platform concepts
Concepts that keep a neobank solvent
The double-entry ledger is the load-bearing concept. Balances are not numbers in a database row but the result of balanced, immutable postings, so value can never be created or destroyed by a bug, a retry, or a crash. Transfers are idempotent, and every movement carries an audit trail an auditor can walk end to end.
KYC is a pipeline with a human gate. Document capture and provider verification clear the straightforward cases automatically, and anything flagged routes to a review queue with statuses, notes, and sanctions screening hooks. Onboarding speed and compliance duty are separate dials, tuned separately.
Cards and pots are programs on top of the ledger. Virtual and physical cards run through established issuance platforms with freeze, limits, and tokenization, while savings pots are earmarked balances rather than separate systems, so the money always reconciles to the same core book.
insight
The market numbers behind the Segment-focused neobank opportunity
Neobanking has moved from novelty to expectation, and the growth concentrates exactly where the incumbents are thin: gig workers, communities, professions, and regional markets whose money habits the generic bank app ignores. The structural reality is partnership economics, a license or sponsor-bank agreement sits with you as the operator, and your economics come from what you build on top of the partner rails.
That surface area is wider than cards. Merchant POS and NFC acceptance bring a business side to the same wallet, agent-assisted cash networks reach customers the branch system never did, and crypto integration lets customers hold traditional and digital assets in one place. For platforms going further, BaaS APIs turn the whole stack into embedded finance other businesses build on. The revenue lines below quantify each of those paths.
How your neobank earns
Interchange revenue on card spending, the core economics of card-led neobanking, driven by virtual and physical card issuance.
Subscription tiers with premium limits, metal cards, and priority support.
FX margin on cross-border transfers where licensing permits, with rates configured in the admin panel.
Savings and pot features that increase deposit float and engagement, supporting future lending lines you may add.
Every fee, limit, and tier is admin-configurable, and revenue lines stay inside whatever permissions your banking partner or license allows.
Revenue lines, typical ranges, and what sets each ceiling
Six monetization lines across the retail money app, quantified against published industry benchmarks. Every rate is configurable in your admin panel within your partner's permissions; 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 |
|---|---|---|---|---|
| Card interchange | Paid to you as the issuer out of every card purchase, routed through your BIN sponsor | EEA and UK: 0.2% debit, 0.3% consumer credit. US: about 0.45% for covered issuers, 1.2% to 1.5% for small-issuer sponsors | Statute and sponsor terms. The EEA and UK figures are hard caps; the US small-issuer exemption makes sponsor-bank size a commercial decision | |
| Subscription tiers | A fixed monthly fee per user for premium limits, metal cards, and priority support | $3 to $20 per user per month across consumer tiers | Attach rate multiplied by price. The line that does not move with volume, which stabilizes ARPU | |
| FX margin | A markup over the interbank mid-market rate on cross-border conversion, where licensing permits | 0.2% to 1.0% on major pairs, wider on thin-liquidity currencies | Competition, not regulation. The World Bank's 6.36% average remittance cost leaves the incumbent benchmark generous | |
| Merchant and POS fees | Transaction fees on merchant app and NFC card acceptance, plus invoice and settlement services | Merchant discount rates commonly 1% to 3% of transaction value, split with your acquirer | Your business-side attach. Merchant accounts multiply revenue per customer relationship | |
| Crypto service fees | Spread or commission on in-app crypto buy, sell, and P2P trading where your program permits | Retail crypto spreads commonly 0.5% to 2% depending on asset and venue | Regulatory scope. The ceiling is what your license and partners permit, which is why the compliance console ships first | |
| BaaS and embedded finance | API access fees and revenue share from businesses embedding accounts, cards, or payments | Contract-specific per partner and volume tier | Program maturity. This line exists once the core ledger, KYC, and card programs are proven in production |
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 every panel, plus branded customer communications.
Store submission and launch
App store and Play Console submissions handled end to end, with production monitoring switched on.
Payment integrations
Gateway and card-program integrations configured for funding, spending, and payouts on auditable rails.
AI models Pre-tuned
Transaction risk scoring, AML pattern detection, and engagement models arrive configured for retail banking, not as raw APIs.
Multi-language and Multi-currency
Languages, currencies, and tax display configured for your markets during the launch window.
Scalable cloud infrastructure
Containerized services on AWS or Azure with autoscaling and queue-backed intake for peak traffic.
Admin analytics and reports
Operational dashboards, finance reconciliation views, and CSV 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.
Engineering money that must balance
Ledgers, not arrays: the discipline this category demands.
Double-entry ledger
Every movement posts to a balanced, immutable ledger with audit trails, so balances reconcile by construction and every transaction is explainable.
KYC pipeline
Document capture, verification provider hooks, and a human review queue with statuses, so onboarding is fast where it can be and reviewed where it must be.
Card issuance
Virtual and physical card programs through established card-issuance platforms, with freeze, limits, and tokenization handled through their compliant APIs.
Apps and web
React Native customer app, Next.js compliance and admin surfaces, and Node.js services behind Kafka event streams.
Integrations
Banking partners, card issuers, KYC vendors, accounting exports, and notification services ship as configured integrations, so the platform plugs into the partners your program already runs on.
Security and compliance
Hardened autoscaling services, PCI-scoped flows, encrypted data at rest and in transit, role-based access with full audit trails, and secrets management reviewed in every release.
Launch timeline: first transfer in 6 working days
The almost-ready AI build, day by day. Store review times can add a short buffer outside our control.
- 01
Days 1-2: scoping and branding
Licensing posture, banking partner, and product scope locked with a written scope, and your identity applied across all three panels.
✓ step 01 complete - 02
Days 3-4: configuration and integration
KYC vendor, card program, payment rails, and fee structures configured and tested against your live partner accounts.
✓ step 02 complete - 03
Days 5-6: supply onboarding and pilot
KYC, transfer, card, and pot flows piloted end to end, including monitoring rules and a full compliance-desk walkthrough.
✓ 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 and product updates included.
✓ step 04 complete
Almost-ready AI launch or custom build: the honest comparison
Both tracks ship the same ledger 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 | Dispatch, forecasting, and personalization pre-tuned for the vertical | AI services designed around your workflows and data |
| Partner architecture | Proven banking and card partner adapters configured in the build window | Custom partner integrations and product surfaces built to your program |
| Best for | Operators who want to launch this quarter | Teams with bespoke workflows or a unique model |
| After launch | Post-launch support and product updates included | Post-launch support and product updates included |
$ moxace launch --nowSee the money paths before you commit.
Book a walkthrough and we will demo KYC, transfers, cards, and the compliance console on a live build, then send 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 product surfaces, lending modules, or unique program rules add scoped estimate work.
Markets and segments
Currencies, languages, and jurisdiction rules are configured per market. Adding markets means more configuration, never a rebuild.
Integrations
Banking partners, card issuers, and KYC vendors are wired during the build, and each integration is estimated individually.
AI tuning depth
Out of the box, risk scoring, AML pattern detection, and engagement models are pre-tuned for retail banking. Training models on your historical transaction data is an optional, separately scoped workstream.
Add-on modules operators add next
The extensions neobank operators most often add once the core program is live and audited, each scoped as its own workstream.
BaaS and embedded finance APIs
Customizable banking APIs letting other businesses embed accounts, cards, and payments, turning the platform into infrastructure other products build on.
Biometric and device security
Fingerprint and facial-recognition authentication plus device binding, hardening access on top of the standard session and credential controls.
Referral and rewards program
Operator-set referral rewards and engagement incentives that grow the base organically, all settled on the ledger so the cost of acquisition stays visible.
Accounting and invoice suite
Invoicing, accounting exports, and bookkeeping views for business customers, deepening the merchant side of the platform.
/21
Why founders build fintech with Moxace
Correctness first, because money software does not get a retry.
Ledger-first design
Double-entry accounting and idempotent transfers are the foundation here, not features added after launch.
Compliance-ready tooling
KYC queues, screening hooks, monitoring alerts, and audit trails ship in the first build, because retro-fitting compliance is how fintechs fail audits.
Launch economics
A ready-made launch costs a fraction of a ground-up build, with a fixed written quote before work starts.
Fintech family
For full multi-currency banking, see our Revolut-style build, and for cross-border flows, the Wise-style build.
Proof from platforms we have shipped
Canonical deployments from our own portfolio. Metrics are reported from live platforms, not projections.
PragPlay
A high-concurrency digital platform our engineering system ships and operates at 99.9% uptime, the same reliability bar every money platform is held to.
500K+
Players
99.9%
Uptime
Tipsyryde
A consumer transaction platform from the same engineering system, proving payment cores hold under city-wide, real-time load.
1.5M+
App Downloads
4.8
Store Rating
Etihad Airways
A high-traffic consumer platform our team ships and operates, the standard every engagement is measured against.
1M+
Monthly Users
40%
Engagement Lift
Frequently asked questions
Security and money: what the platform protects
A neobank moves other people's money under a regulator's eye. The controls are built in, and stated plainly.
Balances reconcile by construction
Every movement posts as a balanced, immutable double-entry transaction with idempotent handling, so retries and crashes can never create or destroy value, and an auditor can walk every path.
Access is authenticated hard
Biometric options on top of JWT sessions with refresh flows, optional MFA, protected routes, and device-session management, built to fintech-grade expectations rather than app-store minimums.
Compliance runs before, not after
Sanctions and PEP screening at onboarding, risk-scored transaction monitoring in production, case management with notes, and suspicious-activity reporting, all wired from the first build.
Program stays inside permissions
Fees, limits, and features configure only within the permissions your banking partner or license allows, so the platform cannot drift outside its regulated envelope.
Customer data rights honored
Customers can export or delete their data, with privacy-aware retention policies, because a platform holding identities, transactions, and card instruments holds real personal data.
the process
What to expect when building your neobank with us
Discovery covers your licensing status, banking partner, and product scope, ending in a written scope and fixed quote. Once you approve, you hand over your brand assets and we configure the platform: your identity across all three panels, your partners, fee structures, and limits. The almost-ready AI build goes live in 6 working days; a custom build takes 3 to 4 weeks, planned with you up front.
Launch is not the finish line. You get 60 days of included support and 12 months of updates covering bug fixes and OS compatibility releases. The first 90 days are trust and compliance: expect to monitor KYC pass rates, tune transfer limits per tier, and build the reporting rhythm your banking partner and regulator expect from a young program. The software keeps the books balanced; your operational discipline is what regulators and partners will actually be judging.
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.
MXNeoBank - User App
- Accounts
- Cards
- Transfers
User: userdemo | User_321
MXNeoBank - Merchant App
- Payments
- Settlements
- Customers
Merchant: merchant | Merchant_321
MXNeoBankX with BAAS - Web Panels
- BAAS
- Vendor panel
- Admin console
Admin: https://mxneobankx.mimeld.com/admin
$ moxace launch --nowBuild a neobank that survives an audit.
Book a free consultation and get a compliance-first 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
All product names, trademarks, and brands referenced are the property of their respective owners, used for identification purposes only. Read the full legal notice on our disclaimer page.