1index Neobank
About
1index Neobank is a modular digital banking platform created for businesses that want to launch fintech products, neobanks, crypto platforms, embedded finance services, or digital banking ecosystems without building every component from scratch. The platform combines core banking infrastructure, multi-currency accounts, IBAN, SEPA and SWIFT payment routing, card modules, BaaS API, KYC/KYB verification, 2FA security, compliance tools, crypto processing, custodial and non-custodial crypto modules, mobile applications, web interfaces, and a unified back-office. The product was created around a clear business need: companies want to enter the fintech market faster, but traditional development and legacy enterprise solutions are often expensive, slow, and limited in flexibility. 1index Neobank gives businesses a faster way to launch a financial product while keeping control over modules, deployment, source code, and long-term scaling.
Challenge
The main challenge was to create a flexible digital banking platform that could support both traditional finance and crypto services in one product. Businesses needed a faster alternative to expensive enterprise banking solutions, limited BaaS providers, and crypto-only platforms with weak fiat functionality. The platform had to include banking modules, crypto processing, KYC/KYB, AML-ready workflows, security tools, web and mobile interfaces, and a back-office while staying scalable for different business models. Another important requirement was control. Companies needed the ability to launch quickly, avoid vendor lock-in, and choose between SaaS/PaaS deployment or full Source Code License ownership depending on their growth strategy.
Scope of Work
We developed 1index Neobank as a modular digital banking platform that combines fiat banking, crypto infrastructure, compliance tools, ready-made interfaces, and flexible deployment models in one API-first ecosystem.
- Product Architecture
We designed a modular API-first architecture with core infrastructure for users, accounts, balances, tariffs, commissions, limits, and future product scaling.
- Banking and Payment Modules
We implemented core banking functionality, including multi-currency accounts, IBAN, SEPA/SWIFT routing, card module logic, and BaaS API for embedded finance use cases.
- Fiat and Crypto Infrastructure
We connected traditional banking flows with crypto functionality, including custodial and non-custodial modules, crypto processing, invoice generation, crypto payments, blockchain integrations, and Web3 tools.
- Compliance and Security
We added KYC/KYB verification flows, AML-ready processes, 2FA, granular admin roles, configurable limits, tariffs, commissions, and tools for fraud and operational risk control.
- Web, Mobile, and Back-Office Interfaces
We prepared ready-made web interfaces, native iOS/Android mobile apps, and a unified back-office for managing users, accounts, transactions, notifications, fees, limits, and business settings.
- Flexible Deployment and Scaling
We supported SaaS/PaaS deployment for fast MVP launch and Source Code License delivery for companies that need full control, on-premises deployment, no vendor lock-in, and long-term scalability.
Technologies and Tools
Results
What We Did
1index Neobank became a scalable foundation for launching modern financial products with both fiat and crypto functionality.
The platform helps businesses reduce launch time, lower development risk, and bring digital banking products to market without losing control over architecture, deployment, or future expansion. It gives companies a practical alternative to long enterprise implementations and limited single-purpose solutions.
Key results include:
- A modular API-first platform for neobanks, fintech products, embedded finance, and crypto projects;
- Launch timeline reduced from traditional 12–18 months to 2–4 months;
- Unified infrastructure for fiat banking, crypto operations, payment processing, and Web3 tools;
- Support for IBAN, SEPA/SWIFT, cards, BaaS API, crypto processing, and non-custodial modules;
- Built-in KYC/KYB, AML-ready workflows, 2FA, access control, and compliance workspace;
- Ready-made web, mobile, and back-office interfaces;
- Flexible delivery models, including SaaS/PaaS and Source Code License;
- Reduced vendor lock-in and stronger control over product scaling.
As a result, 1index Neobank shows how businesses can launch digital banking, fintech, crypto, and embedded finance products faster while keeping flexibility, compliance readiness, and long-term scalability.
For companies entering the fintech market, the platform provides a faster and more controllable path to launch. Instead of spending months building separate banking, payment, compliance, crypto, and interface layers, businesses can start with a ready modular foundation and expand it according to their product strategy.
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Want to launch a Neobank faster?
ilink will provide you with a ready-made neobank platform and set up all integrations in 2-4 months.
