Multi-currency wallets
Live balances in multiple currencies, credited through a double-entry ledger with idempotent processing.
AI-Built Revolut Clone
Revolut Style Neobanking App Development
An AI-first build of every neobank mechanic: transaction-risk scoring that flags anomalies in real time, fraud signals on every card and transfer movement, and personalization that lifts engagement per customer segment. Four 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
$15,999
- 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
Moxace fintech platforms by the numbers
What a production-grade neobank clone buys you.
- /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 revolut clone app?
A Revolut clone app is a neobanking platform: customers onboard through KYC, hold multi-currency wallet balances, spend with virtual and physical cards, and transfer P2P, all while your compliance team screens and monitors every movement. It ships as a customer app, a business account panel, a compliance console, and an admin panel over a double-entry ledger.
The purpose is launching a licensed or BaaS-partnered money business with your own brand, fee schedule, and interchange economics. Incumbent neobanks monetize their members' spending; an owned platform does the same for the population or segment you serve.
The engineering center of gravity is correctness and auditability: idempotent double-entry processing so balances never drift, tiered KYC gating features, and continuous sanctions and transaction screening with case management.
Neobanking continues to expand through BaaS partnerships in markets worldwide, and industry research repeatedly shows segment-focused banks outperforming general ones on engagement within their niche.
Main features of our Revolut-style neobank
The summary layer above the panel detail below.
KYC onboarding
Document capture, selfie liveness checks, and sanctions and PEP screening through your KYC vendor.
Card issuing and controls
Virtual cards activate instantly, physical cards ship, and customers set per-merchant limits and freezes.
P2P and scheduled payments
Transfers, payment requests, bill splitting, and scheduled payments between wallets.
Savings vaults
Goal-based vaults with spending analytics, without promises about returns.
Business accounts
Team cards, expense approvals, invoice links, and accounting exports under the same license.
Compliance console
Review queues, transaction monitoring rules, case management, and regulatory reporting exports.
Fee and FX configuration
Interchange assumptions, FX markups per pair, and plan pricing all set from your admin panel.
Who should launch a Revolut-style platform?
What these buyers share: a license or BaaS partnership, and a customer segment the incumbent banks treat as an afterthought.
E-money institutions
Launch a branded neobank on the license you already hold, with risk scoring and compliance tooling engineered to your regulator's expectations.
Banks launching digital brands
Spin up a segment-focused digital bank without dragging core banking into the project. The ledger, cards, and wallets run on this platform.
Microfinance operators
Bring formal accounts, cards, and transfers to the customers you already serve, with tiered KYC matching your verification depth.
Remittance companies
Add spend-side accounts to your transfer business so customers hold and spend balances, not just send them.
Funded fintech founders
Enter markets where a focused neobank can out-serve a general incumbent, with the platform side delivered in weeks, not years.
$ moxace launch --nowWhat does Compliance-first actually mean in a neobank build?
It means KYC gates every feature, every money movement writes an audit trail, and sanctions screening runs before, not after, onboarding. We architect for your regulators from the first schema.
- 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
Feature panels of our neobank platform, surface by surface
Four surfaces, one ledger, no shortcuts on audit.
Customer app
The everyday money app for your users.
- ✓Multi-currency wallet with live balances
- ✓KYC onboarding with document capture
- ✓Virtual and physical card controls
- ✓Freeze, unfreeze, and per-merchant limits
- ✓P2P transfers and payment requests
- ✓Bill splitting and scheduled payments
- ✓Transaction feed with merchant logos
- ✓Personalized spending insights
- ✓Savings vaults and goals
- ✓Spending analytics by category
Business account panel
For SME customers under the same license.
- ✓Team cards with role limits
- ✓Expense approval workflows
- ✓Invoice and checkout links
- ✓Multi-user access controls
- ✓Bulk payouts and payroll imports
- ✓Accounting export feeds
Compliance console
Where your compliance team lives.
- ✓KYC review queue with escalation
- ✓Sanctions and PEP screening
- ✓Risk-scored transaction alerts
- ✓Transaction monitoring rules engine
- ✓Case management with audit trails
- ✓Suspicious activity reporting exports
- ✓Limit and risk-tier configuration
Admin panel
Operations across customers, cards, and money.
- ✓Customer lifecycle administration
- ✓Card issuing and fulfillment controls
- ✓Fee and FX markup configuration
- ✓Reconciliation against issuer and processor reports
- ✓Partner bank and processor monitoring
- ✓Product and plan management
- ✓Support ticket desk
- ✓Regulatory reporting dashboards
The admin control plane, capability by capability
Beyond customer administration: the operational systems that make the platform governable at scale.
Provider routing and baaS inventory
Your banking partners are managed inventory, not hardcoded dependencies: provider health diagnostics, routing maps, per-provider commission settings, and demo/live/auto switching modes, so a partner outage is a routing change rather than a platform incident.
Provisioning queue and issued accounts
Account-issuance requests queue for review, approve into issuance, and track through lifecycle states. Every issued account reconciles against the provider's records, with identifiers you can trace end to end.
Audit logs and governance
Sensitive actions record with reason categories and exportable history, and role-based access separates USER, BUSINESS, SUPPORT, ANALYTICS, INFRASTRUCTURE, and ADMIN scopes, so accountability survives personnel and vendor changes.
Revenue and financial analytics
Transaction volumes, plan mix, FX line, and interchange line report into operational dashboards, so the unit economics your model depends on are visible daily, not reconstructed quarterly.
How the neobank flow works: KYC to first card payment
The customer journey a compliance-first money app runs for every user.
01
Sign up
A customer registers by phone, and the account exists in a pending state until verification completes.
02
Verify identity
Document capture and a selfie liveness check run through your KYC vendor, with sanctions and PEP screening before approval.
03
Fund the wallet
The approved customer tops up the multi-currency wallet by bank or card, and each balance credits through the double-entry ledger.
04
Order the card
A virtual card activates immediately and a physical card ships; the customer sets per-merchant limits and freeze controls.
05
Spend and transfer
Card spend clears through the issuing program, P2P transfers and payment requests move between wallets, and every movement writes its audit trail.
06
Save and monitor
The customer moves funds into savings vaults, watches spending analytics, and your compliance console monitors the transaction stream for anomalies.
AI inside the platform
Five model-driven systems working the same money stream. Each ships pre-tuned for neobanking 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 chargebacks
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 wallet 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, vault nudges, and plan upgrades each customer actually responds to.
Reads
Spending categories, feature usage, tenure
Changes
Higher card activity and plan upgrades 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 banking product, each toggleable and configurable per market.
Investment and wealth surfaces
Crypto, stocks, and commodities views, portfolio tracking, recurring investments, and tax-reporting surfaces, wired to the brokerage and custody partners your license model permits.
Transaction controls and disputes
Freeze and unfreeze at transaction level, dispute creation and confirmation workflows, and a dispute lifecycle that moves cleanly from the customer app through your admin and compliance teams.
Notifications and support layer
A notification center with read states, activity alerts, support tickets, chat-style help, and an in-app knowledge base, so service quality does not depend on email.
Authentication depth
JWT sessions with refresh-token flows, optional MFA and TOTP, protected routes, and device-session management, built to fintech-grade expectations rather than app-store minimums.
platform concepts
Concepts that run a Compliance-first neobank
The ledger is the first concept and the non-negotiable one. Double-entry accounting with idempotent transaction processing means every balance is the sum of posted entries, so retries, timeouts, and partial failures never drift a balance. KYC tiers gate features on top: limits, cards, and transfers enable as verification depth increases.
Screening is continuous, not a one-time gate. Sanctions and PEP checks run at onboarding and again on transaction patterns, with the rules engine flagging velocity and anomalies into case management, every case carrying its audit trail. Issuing economics complete the picture: card spend routes through your issuing partner at the interchange terms of your program, FX conversion applies your configured markup per currency pair, and the admin panel reports both, so the unit economics your license model depends on stay visible and auditable.
insight
The market numbers behind the neobank opportunity
The spend side of the opportunity is measured in trillions. Industry trackers put global digital payment value around $37 trillion for 2026, with payments revenue near $2.5 trillion and still compounding toward $3 trillion. Digital wallets already carry roughly 30% of global point-of-sale volume, and instant-payment schemes now run in over 100 jurisdictions, so the rails a neobank orchestrates keep getting cheaper and faster to sit on.
The cost side is just as instructive. The World Bank pegs the global average cost of sending a remittance at about 6.36%, and incumbent banks still charge multiples of what interchange economics require. That spread is the opening a segment-focused neobank exploits: take a customer group the incumbents price lazily, run a lean ledger-led cost base, and monetize with the revenue lines quantified below.
revenue model
How your neobank earns
Interchange on card spend is the core line, with your fee share set per issuing program. Subscription tiers enable higher limits, premium cards, and priority support. FX margin on multi-currency conversion, outbound and inbound transfer fees, and interest-earning vault spreads complete the mix.
Every revenue parameter sits in the admin panel: per-plan interchange assumptions, FX markups by currency pair, transfer fee schedules, and plan pricing. Nothing is promised about returns; the platform reports what it earns, and your compliance console keeps the activity auditable.
Revenue lines, typical ranges, and what sets each ceiling
Four monetization lines, quantified against regulator-published data. Every rate is configurable in your admin panel; 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 |
|---|---|---|---|---|
| FX spread | A markup over the interbank mid-market rate, taken at the moment of conversion | 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 means the incumbent benchmark you price against is generous | |
| 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: 1.2% to 1.5% signature debit for small-issuer sponsors, about 0.45% for covered issuers | Statute. The EEA and UK figures are hard caps; the US split is the Durbin small-issuer exemption, which makes sponsor-bank size a commercial decision, not only a compliance one | |
| Tiered subscriptions | A fixed monthly fee per user, independent of transaction volume | $3 to $20 per user per month across consumer tiers | Attach rate multiplied by price. The only line that does not move with volume, which is what makes it the stabilizer in ARPU | |
| BaaS margins | Reselling your sponsor bank or EMI wholesale pricing at a markup, per account, per card, per transaction | Contract-specific, set by your BaaS agreement and volume tier | Your sponsor agreement. No public benchmark exists, so model this line from your quoted rate card and re-model it at every volume tier |
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 issuing-program integrations configured for card funding, wallet top-ups, and payouts.
AI models Pre-tuned
Transaction risk scoring, AML pattern detection, and engagement models arrive configured for neobanking, 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.
The neobank stack and why we chose it
Ledger correctness and partner reliability above all.
Ledger core
Double-entry PostgreSQL ledger with idempotent transaction processing, so balances survive retries, timeouts, and partial failures without drift.
Issuing and KYC partners
Integrations with card issuing platforms and KYC vendors (document and biometric verification, sanctions and PEP screening), architected so partners are swappable per market.
Apps and services
React Native apps, Next.js web, Node.js and Go services behind Kafka event streams, with hardware-key-protected access to every production surface.
Security posture
PCI-DSS-scoped payment flows, encrypted data at rest and in transit, role-based access with full audit trails, and secrets management reviewed in every release.
Integrations
Issuing platforms, KYC vendors, accounting exports, notification providers, and analytics platforms ship as configured integrations, so the platform plugs into the partners your program already runs on.
Security and compliance
Role-based access, append-only audit logs, encrypted traffic and secrets, and rate-limited endpoints come standard, so regulator and partner-bank due diligence has answers before it is asked.
Launch timeline: your neobank 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, issuing program, and target segments locked with a written scope, and your identity applied across all four panels.
✓ step 01 complete - 02
Days 3-4: configuration and integration
KYC vendor, issuing platform, 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, wallet, card, and transfer 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 issuing and KYC 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 ledger before you commit.
Book a walkthrough and we will demo KYC, the card flows, 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 corridors
Currencies, languages, and jurisdiction rules are configured per market. Adding markets means more configuration, never a rebuild.
Integrations
Issuing platforms, KYC vendors, and banking partners 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 neobanking. Training models on your historical transaction data is an optional, separately scoped workstream.
Add-on modules that extend the platform
The core build is complete on its own. These modules add differentiation, stricter-market readiness, or new revenue lines, from day one or as you scale.
Lending, credit, and BNPL
Credit lines, installment products, and BNPL flows built on the credit-readiness signals the platform already computes, gated by your lending license or partner.
Cross-border payments and remittance
International payout flows, corridor-specific routing, and cross-currency transfers, connecting this platform to the remittance side of the practice.
Advanced card programs
Premium and single-use virtual cards, tighter controls, and custom card experiences for higher tiers and spend-management products.
Referrals, rewards, and cashback
Growth incentives, referral mechanics, and cashback logic configured against your interchange economics rather than as a loss-leader.
Advanced KYC and AML
Stronger identity verification, deeper sanctions screening, and market-specific compliance workflows for regulated deployments.
Custom baaS provider integrations
Additional Banking-as-a-Service providers integrated per geography, licensing model, and routing strategy, beyond the adapters that ship in the build.
Country-based controls
Jurisdiction-specific workflows, compliance steps, provider mappings, and feature availability, so one codebase serves multiple regulatory regimes.
Multi-tenant, Multi-brand
Several branded fintech apps on one shared core, with separate branding, domains, and tenant isolation for agencies and multi-brand operators.
/22
Why operators pick our Revolut-style build
Ready-made speed with custom-build engineering discipline.
Ledger native
Double-entry accounting and idempotent processing are core product logic, not an afterthought bolted onto a wallet app.
Launch economics
A ready-made launch costs a fraction of a ground-up build, with a fixed written quote before work starts.
Full ownership
One hundred percent of the source code transfers to you. No per-user royalties, no black-box dependencies.
Fintech adjacency
For cross-border corridors, see our Wise-style build, and our wider fintech app development practice.
Proof from platforms we have shipped
Canonical deployments from our own portfolio. Metrics are reported from live platforms, not projections.
PragPlay
A high-concurrency 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 and matching 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
Compliance: what the software delivers vs what a licence delivers
A clone is software, not a financial license. Here is the boundary, stated plainly.
What the software delivers
Multi-currency accounts and ledgers, transaction processing, card lifecycle screens, FX flows, KYC and AML workflows, screening hooks, audit logs, and role-based admin. Delivered as source code you own.
What only a licence delivers
Holding client funds, issuing IBANs and card BINs, settling fiat, and reporting to a regulator. Those sit with your BaaS partner, EMI, or sponsor bank, or a licence your own entity holds. We build to that partner's APIs; we do not act as one.
PCI-DSS scope, kept narrow
The platform stores payment tokens, not primary account numbers, so cardholder data lives inside your processor's certified environment and your own assessment scope stays as narrow as the integration allows.
Architecture ready, not certified
Encryption in transit and at rest, segregated admin roles, immutable audit logging, and environment separation are built in, so your certification audit starts from a compliant codebase. The certificate is issued to your operating entity, not to us.
Jurisdiction decides the route
EMI authorization and PSD2 in the UK and EU, state-by-state money transmitter licensing in the US, PA and PPI rules in India. Confirm your route with a licensed partner or financial-services counsel; we do not provide legal advice.
the process
What to expect from your neobank engagement
Discovery maps your licensing model, issuing partner, and target corridors, and the quote is fixed in writing. Once you approve, you hand over your brand assets and we configure the platform: your identity across all four panels, your partners, fee structures, and jurisdiction rules. The almost-ready AI build goes live in 6 working days; a custom build takes 3 to 4 weeks, planned with you up front.
Post-launch you hold 60 days of included support and 12 months of updates, with trained operations staff. The first 90 days are operational proving: reconciling issuer and processor reports daily, calibrating transaction-monitoring thresholds against real false-positive rates, and walking your first KYC edge cases through the review queue. Money businesses earn trust through that discipline, and the platform is built to make it visible.
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.
$ moxace launch --nowBuild your neobank on correct ledger assumptions.
Book a free consultation and get a written scope and quote.
- 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
Independent Build
Moxace is an independent software development company. We are not affiliated with, sponsored by, or endorsed by Revolut.
Why This Name
The phrase “Revolut clone” is used descriptively. It is how the software industry refers to building a platform with similar functionality, and how buyers search for one.
Who Built This
The design and codebase are built entirely by our in-house team. Nothing is taken from the Revolut website, applications, or brand assets.
Trademarks
Revolut and all third-party names and marks remain the property of their respective owners, referenced here only to describe the category of software we build.
Read the full legal notice on our disclaimer page.