Request demo
Cookies Notice

We use cookies to improve your experience. Please accept to continue using our site. Learn more about our cookie policy.
Accept
Solutions
End-to-End Infrastructure for Neobanks & Challenger Banks
Build a fully regulated neobank with accounts, cards, FX, wallets, and compliance under your brand - connected to multiple banking partners and built to scale.
Book a demo
A Trusted, Scalable Foundation for Digital Banking
FinLego delivers challenger banks the tools to enter new markets quickly and compliantly. Our multi-bank connectivity expands your reach, while modular components - KYC, payments, cards, wallets - let you control the experience end‑to‑end. Launch with reduced risk, faster iteration, and stronger regulatory alignment.
Challenges Faced by Neobanks - and
How FinLego Solves Them
  • Fragmented banking partnerships
    Neobanks need multiple banking rails (local IBANs, domestic clearing, international payments) to serve users in various regions.

    →
    With FinLego, a single integration connects you to multiple regulated banking partners - unlocking diverse account and payment options without repetitive integrations.
  • Competitive differentiation
    Traditional neobanks offer debit cards and basic accounts - but fintech consumers expect crypto, loyalty features, and cross-border FX too.

    →
    Combine modules like Crypto Wallets, Card Issuing, and Currency Exchange to deliver richer, multi-asset offerings under one brand.
  • Operational complexity at scale
    Managing fraud, onboarding, reconciliation, and cash flows becomes difficult as user volume grows.

    →
    FinLego’s scalable back-office, powerful ledger system, and fraud-compliant toolset streamline onboarding, operations, and monitoring from day one.
  • Regulatory & audit scrutiny
    Regulators increasingly require full audit trails, compliance reporting, and evidence of risk controls.

    →
    Our platform includes built-in KYC/KYB flows, transaction monitoring, audit-ready logs, and automated reports via licensed partners.
Core Components Powering Neobank Products
Core Banking System
Multi-currency accounts and ledgered balances matching traditional bank behavior and modern fintech flexibility.
Learn more
Wallet-as-a-Service
Branded in-app fiat and crypto wallets with inbuilt KYC, top-ups, and internal transfers.
Learn more
Ledger Engine
Accurate, real-time double-entry records for accounts, card spends, FX trades, and fees.
Learn more
Card Issuing
Instant virtual card issuance and full lifecycle management for physical cards - tailored spend controls and monitoring.
Learn more
Crypto Payments & Crypto Wallets
Accept crypto, manage custodial or non-custodial wallets, convert via OTC or on-ramp flows.
Learn more
Mobile Apps
iOS and Android applications with branded UX for account management, spending, onboarding, and crypto access.
Learn more
KYC/AML Tools
Digital identity verification, business onboarding, AML screening, and customizable risk alerting built in.
Learn more
Currency Exchange Interface
Real-time FX conversion at user-friendly spread rates, enabling multi-currency balances and transfers in-app.
Neobank Founders on FinLego
Hannes
CEO
Partnering with FinLego let us offer global IBANs and cards immediately - no full bank build needed. Approvals and reviews are simple via their back-office dashboard.
Lina
Product Lead
We built a loyalty engine that rewards crypto spend per euro. FinLego’s wallet and ledger capabilities made everything seamless.
Carlos
COO
Scaling from 50k to 500k users exposed our reconciliation issues - FinLego’s ledger and payment modules let us stay compliant and fast.
Built for Regulated Banking
  • Data encryption
    in transit & at rest, secure multi-tenant infrastructure
  • Role-based access,
    event logging, and audit trails for all financial activity
  • Built-in KYC/KYB
    with global screening, user risk scoring, and ongoing monitoring
  • Automated transaction alerts,
    velocity checks, and compliance dashboards