White Label Neobank: How to Launch a Digital Bank in 90 Days

Introduction

In 2025, the digital banking market is growing faster than ever. Users are shifting to mobile payments, cryptocurrency operations, and multi-currency wallets, and no longer want to depend on outdated banking systems. This is why a White Label Neobank has become the fastest way to launch your own digital bank without years of development, complex licensing, or expensive infrastructure.

A White Label solution allows businesses to get a ready-to-use banking platform under their own brand in 60–90 days, including fiat accounts, cards, cryptocurrency modules, KYC/AML, a mobile application, and administrative panels.

What is SaaS and What is White Label

SaaS is a software model where a company uses a ready-made product on a subscription basis, without having to develop and maintain it on its own.

White Label is a product that fully belongs to a business in terms of branding. The client receives a ready digital banking platform, adjusts it to their colors, logos, tariffs, and launches it on the market as their own solution.

A White Label Neobank combines both models: ready banking infrastructure (SaaS) + individual branding and functionality (White Label).

How a Neobank Works

A neobank is like a traditional bank, but fully digital and without physical branches. A neobank serves customers through a mobile application or web platform. It operates on a modular system, where each function is a separate component:

• Fiat accounts;

• Cryptocurrency accounts;

• Banking cards;

• Payment gateways;

• KYC/AML;

• Smart contracts;

• Analytics;

• Admin panels;

• Mobile application.

   

A White Label Neobank solution unifies all these modules into one ecosystem, allowing businesses to launch a digital bank without long development cycles.

Why White Label Neobank Is Beneficial for Businesses

A White Label solution gives companies a fast, scalable, and cost-effective way to enter the financial services market with a ready-made product that only requires branding and configuration.

Businesses gain:

• Fast launch in 90 days. No need to build infrastructure, architecture, KYC, or payment modules, everything is ready.

• Minimal investment. Developing a neobank from scratch starts at $300k–$1M. A White Label solution is 5–10 times cheaper.

• Full control over brand and product. The company manages tariffs, commissions, user groups, cards, accounts, and monetization.

• Hybrid fiat and crypto functionality. Businesses can serve both Web2 and Web3 audiences.

• Global market reach. Multi-currency accounts, crypto services, and digital identity enable worldwide operations.

   

A White Label Neobank is a fast path to launching a fintech project with reliable and scalable growth.

What Tasks a White Label Neobank Solves

A White Label solution enables:

• Launching a neobank under your own brand;
• Introducing multi-currency and cryptocurrency accounts;
• Issuing banking cards and mobile applications;
• Managing clients, tariffs, and limits;
• Securing financial operations;
• Creating a hybrid Web2/Web3 financial product;
• Entering the market quickly without backend development or infrastructure.

Key Features of a Neobank

A ready-made Neobank includes a full set of modules needed to launch a modern digital bank under your brand. All features operate within a secure ecosystem that can be scaled and customized to your business needs.

1. Multi-currency Accounts and Payments

• Support for fiat currencies;
• Deposits, withdrawals, and internal transfers;
• Integrations for international payments;
• Balance management and transaction history.
   

2. Banking Cards (Virtual and Physical)

• Card issuance and management;
• Limits, commissions, and settings;
• Secure processing of online and offline payments.
   

3. KYC/AML and Risk Management

• Automated client verification;
• Application and status management;
• Compliance tools for regulatory requirements.
   

4. Administrative Panel

• User and account management;
• Tariff, limit, and commission configuration;
• Financial analytics and monitoring.
   

5. Mobile Application under Your Brand

• Fully customizable UI/UX;
• Personal dashboard, payments, transfers;
• Notifications, security, and smooth client experience.
   

6. Cryptocurrency Integration (optional)

• Cryptocurrency wallet functionality;
• Deposits, withdrawals, exchange;
• Secure storage or non-custodial approach.
   

7. Payment Gateway and API for Business

• Ability to accept payments;
• Invoice generation;
• Integration of banking and crypto operations through API.
   

8. Extended Product Management Tools

• Tariff plan configuration;
• Commission management;
• Dynamic exchange rates and customizable parameters.

How a Neobank Launch Works with the White Label Model

1. Analysis of the business model and requirements;
2. Module configuration (fiat, crypto, cards);
3. Integrations (banks, providers, KYC, liquidity);
4. Branding of UI/UX and the mobile application;
5. Backend and admin panel setup;
6. Testing and security audits;
7. Launch of the neobank under your brand;
8. Technical support and scaling.

Why Choose the White Label Neobank by ilink

ilink is a trusted technology partner with 13 years of experience, specializing in digital banking, crypto modules, and Web3 fintech solutions. ilink enables fast, secure, and cost-efficient digital bank launches.

The company provides:

• Ready fiat and crypto modules under your brand;
• Architecture designed for high load systems;
• Integrations with banking APIs, crypto systems, and card providers;
• Enterprise-level security infrastructure;
• Post-launch support;
• Customization of functionality for your business model.