Neobank Development
Neobank development demands more than mobile app skills. It requires understanding banking infrastructure, regulatory frameworks, and what happens when real money moves through your system. We build digital banking platforms in markets where compliance is complex and failure is not an option. From core banking integration to card issuance, we deliver neobank software that satisfies regulators and delights users.
Why Build a Neobank
Digital bank development offers advantages that traditional banking cannot match. Mobile-native design, lower costs, and architecture built for modern financial services.
Mobile-First Banking
Traditional banks built for branches, then added apps. Neobanks start mobile-native. Every interaction designed for screens, not paperwork. Customer onboarding in minutes, not days.
Lower Operating Costs
No branch network. Automated operations. Lean infrastructure. Neobanks operate at a fraction of traditional bank costs, enabling competitive rates and lower fees for customers.
API-Native Architecture
Built for integration from day one. Connect payment processors, lending partners, investment platforms, and third-party services. Your neobank becomes a financial hub, not an isolated product.
Crypto-Fiat Bridge Capability
Modern digital banks increasingly need cryptocurrency integration. On-ramps, off-ramps, and custody solutions that bridge traditional banking with digital assets.
Neobank Platform Features
Every component your digital bank needs. Core banking, payments, cards, compliance, and the integrations that connect them.
Core Banking Integration
Integration with banking-as-a-service providers and core banking systems. Ledger management, account structures, and transaction processing that scales from launch to millions of users.
Multi-Currency Support
Hold, send, and receive multiple currencies. Real-time FX rates. Cross-border payments. Currency conversion at competitive spreads. Built for customers who operate globally.
KYC/AML Compliance
Identity verification workflows, document capture, liveness detection, and sanctions screening. Ongoing transaction monitoring and suspicious activity reporting built into the platform.
Card Issuance Integration
Virtual and physical card programs. Integration with card processors and issuers. Card controls, spending limits, and real-time notifications. Apple Pay and Google Pay support.
Payment Processing
ACH, SEPA, Faster Payments, and wire transfers. Payment initiation, scheduling, and reconciliation. Standing orders and direct debits. Built for the payment rails your market requires.
Regulatory Reporting
Automated generation of regulatory reports. Transaction reporting, capital adequacy calculations, and compliance dashboards. Audit trails that satisfy examiner scrutiny.
Compliance and Regulatory Expertise
Building a neobank means building for regulators as much as users. Our compliance-first approach ensures your platform passes scrutiny.
We have shipped fintech platforms in jurisdictions where regulations seemed insurmountable. When lawyers told our clients their product was not viable, we found compliant technical approaches that satisfied both regulators and business requirements.
Our experience includes government-grade custody systems built to law enforcement standards. When national security agencies trust your compliance architecture, you know it meets the bar. We bring that same rigor to neobank development.
Multi-jurisdiction operation adds complexity. Data residency requirements, varying KYC standards, and different reporting obligations across markets. We build neobank platforms that adapt to local requirements without requiring separate codebases for each jurisdiction.
Development Process
From regulatory mapping to launch readiness. How we build neobank platforms that satisfy compliance and ship on schedule.
Regulatory Mapping
Understanding your licensing situation and regulatory requirements. We design the technical architecture around what compliance demands in your jurisdiction.
Core Infrastructure
Banking-as-a-service integration, ledger setup, and compliance systems. The foundation that everything else builds upon.
Product Features
Account management, payments, cards, and customer-facing features. Mobile apps and web interfaces designed for your target market.
Compliance Hardening
Security audits, penetration testing, and regulatory review preparation. Documentation and processes that support license applications.
Technology Stack
Modern infrastructure for digital banking. Scalable, secure, and built for the demands of financial services.
Backend Infrastructure
- -Node.js / Go for high-performance services
- -PostgreSQL with proper financial data handling
- -Event-driven architecture for real-time processing
- -Kubernetes for container orchestration
Mobile & Web
- -React Native for cross-platform mobile apps
- -Next.js for web banking portals
- -Biometric authentication integration
- -Offline-capable architecture
Security & Compliance
- -HSM integration for key management
- -End-to-end encryption
- -SOC 2 Type II compliant infrastructure
- -Real-time fraud detection systems
Integrations
- -Banking-as-a-service providers
- -Card issuing platforms
- -KYC/AML verification services
- -Payment networks and processors
Why Hexmount for Neobank Development
Neobank software development requires the rare combination of fintech expertise, regulatory knowledge, and engineering depth.
Complex Jurisdiction Experience
We build where others will not. Fintech platforms in markets with demanding regulations, where most developers refuse the project. Your difficult jurisdiction is a problem we know how to solve.
Full-Stack Fintech Capability
Core banking integration, payment processing, card programs, compliance systems, and mobile apps. We handle every layer of your neobank platform without needing multiple vendors.
Government-Grade Security
We built custody systems for law enforcement. Exchange infrastructure handling hundreds of millions. Security is not an add-on for us. It is how we build everything.
Related Services
Explore more of our fintech and regulatory expertise.
Fintech Development
Payment systems, trading platforms, and lending solutions for complex regulatory environments.
Learn moreRegulatory Compliant Fintech
Compliance-first architecture with KYC/AML, audit trails, and regulatory reporting systems.
Learn moreComplex Jurisdiction Fintech
Financial software for markets where regulations seem impossible. We find compliant paths forward.
Learn moreReady to Build Your Neobank?
Tell us about your digital banking vision. Whether you are launching in a single market or planning multi-jurisdiction expansion, we can help you build a neobank platform that satisfies regulators and wins customers.
We choose our clients as much as they choose us. Let's see if we're a fit.