From zero to neobank in 30 days
How a fintech startup launched a fully branded neobank with multi-currency accounts, card issuance, and automated KYC in just one month.
The challenge
A European fintech startup had secured seed funding and a clear vision: a mobile-first neobank targeting freelancers and digital nomads. They needed multi-currency accounts, branded VISA cards, and a smooth KYC flow.
The problem was time. Their investors expected a live product within three months, and building core banking infrastructure from scratch would take 12 to 18 months. They had a small engineering team and no existing fintech stack.
- No existing banking infrastructure
- Three-month deadline from investors
- Small team with no card-issuing experience
- Multi-jurisdictional KYC requirements
- Need for a fully white-labeled experience
The solution
The startup chose Fintech Platform as their infrastructure layer. A dedicated expert was assigned from day one to map out the product requirements, configure the platform, and handle integrations.
Instead of building, they configured. Multi-currency accounts, fee schedules, card programs, KYC rules, and onboarding automations were all set up through the back office. The front office was branded with their design system and deployed on their domain.
Implementation timeline
Week 1 — Discovery and configuration
Product mapping, account structure, fee rules, KYC provider selection (Sumsub), and card program definition with Intercash.
Week 2 — Branding and integrations
White-label front office deployment, custom domain, branding, and integration testing with payment and KYC providers.
Week 3 — Automation and testing
Onboarding automations, transaction monitoring rules, notification workflows, and end-to-end QA in sandbox.
Week 4 — Launch
Production deployment, first users onboarded, cards issued, and live transaction processing.
Results
30
Days to launch
6
Features shipped
500+
Users in month one
0
Custom dev needed
The startup launched on schedule, well ahead of their investor deadline. Multi-currency accounts, VISA card issuance, automated KYC, and a fully branded experience were live from day one. Their engineering team stayed focused on their mobile app while Fintech Platform handled the entire banking backend.
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