product

Launch a Fully Branded Digital Bank - Without a License

Launch your neobank, digital wallet, or crypto platform in just weeks with our compliant, ready-to-use white label infrastructure. You stay in control of the brand and customer experience, while we take care of everything behind the scenes.

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What Is a
White Label Bank?

FinLego enables you to deliver regulated financial services - such as accounts, payments, crypto wallets, and compliance - fully under your own brand, without the burden of a banking license or building in-house technology.

Through our White Label Banking platform, you can launch a fintech or crypto business fast and compliantly, with ready-made infrastructure, licensed partners, an end-to-end compliance framework, and complete brand customization.

Everything You Need to Operate
as a Digital Bank - Without Building One

Accounts & IBANs

Dedicated IBANs: Offer global personal/business IBANs through partner banks, issued in your customer’s name.
Pooled Accounts: Launch quickly with pooled accounts using a unified ledger structure to manage balances, track sub-accounts, and stay compliant.

Payments Infrastructure

SEPA & SEPA Instant: Send and receive Euro transfers across Europe in seconds.
Faster Payments (FPS): Instant GBP transfers in the UK.
SWIFT: Enable international transfers with global reach via partner bank networks.

Crypto Wallets

Custodial Wallets: Hold and manage users’ crypto assets securely through regulated custodians.
Non-Custodial Wallets: Give users full control of their crypto keys, while integrating transaction tracking and KYC monitoring.

OTC FX & Crypto Exchange

On/Off Ramps: Convert crypto to fiat and vice versa, with integrated compliance and bank-grade pricing.
OTC Desk Integration: Access institutional liquidity for high-volume trades through trusted partners.

Card Issuing

Virtual & Physical Cards: Instantly issue branded virtual or physical cards, integrated with major card networks and processors.
Full Lifecycle Management: Control card design, activation, tokenization, spending limits, and usage rules via dashboard or API.

Compliance Tools

Fully Digital Onboarding: KYC/KYB with automated identity and document checks.
AML & Risk Engine: Real-time transaction monitoring, velocity rules, and suspicious activity alerts.

Who Benefits from White Label Banking?

Fintech Startups

Founders with a banking or payments concept but no license or technical stack. FinLego supplies the platform, compliance framework, and partner network so you can launch quickly, validate, and grow.

Crypto & Web3 Platforms

Build a single branded app that combines fiat accounts and crypto wallets, including on/off-ramps, KYC, and payment rails—without developing infrastructure or securing licenses yourself.

New Digital Companies

Companies looking to add fintech capabilities without becoming a bank. Deliver embedded accounts, payments, or crypto services to your users, powered by our regulated infrastructure.

MVP & Fast Launch Projects

Teams exploring and validating new financial ideas directly in real markets, without the burden of long licensing cycles or complex compliance builds - ideal for pilots, MVP launches, and early-stage fundraising efforts.

A Complete Solution - No License, No Delay, No Overhead

Go Live in Weeks, Not Months

Bypass long licensing timelines and drawn-out BaaS approvals. Thanks to our pre-connected partners, you can be live in a matter of weeks.
We Handle Compliance

Avoid building an in-house compliance operation. Our platform includes integrated, regulator-proven KYC, AML, transaction monitoring, and reporting capabilities.
Built on Licensed Banking Partners

Access a network of reputable banking partners worldwide, enabling you to deliver real financial services without taking on regulatory risk.
Your Brand, Front and Center

The entire solution is fully white-label—from admin dashboards and user onboarding to emails and mobile interfaces—so the end-to-end experience remains yours.
Seamless Fiat + Crypto Infrastructure

Our architecture uniquely supports both fiat and crypto wallets within one product, allowing you to combine banking, exchange, and DeFi functionality seamlessly.
Modular, API-Ready Architecture

Looking beyond a standard app? Our APIs let you design custom user journeys, connect third-party services, and build a product that truly reflects your vision.

Alex G.

Founder

I had an idea for a crypto + fiat wallet, but I didn’t have a license or team. FinLego helped me launch in two months with everything white-labeled - onboarding, accounts, even crypto.

Lucia F.

CEO

We were stuck in compliance approvals with another BaaS provider. FinLego moved fast and actually cared about getting us to market. Their team handled the heavy lifting.

Mateo K.

Product Lead

It’s amazing how quickly we were able to test a full banking MVP under our brand. Everything looked and felt like us - but we didn’t have to build it.

Enterprise-Grade Controls, Built Into Every Layer

Infrastructure Security
- Data encrypted at rest and in transit
- Role-based user access controls
- Secure hosting
1
Compliance Management
- Integrated KYC/KYB onboarding with 3rd-party data checks
- Real-time AML and transaction risk rules
- Continuous reporting to regulated partners
2
Audit & Oversight
- Full event and transaction logging
- Configurable alerts and workflows
- Exportable compliance reports for internal or external review
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Your White Label Bank in 5 Simple Steps

Tell Us Your Vision

Share your idea, branding, and what financial services you want to offer.

Choose Your Setup

We help configure the right account types, payment rails, wallets, and compliance stack.

Customize Your Branding

Apply your design system to the UI, onboarding, emails, and dashboards.

Test in Sandbox

Verify flows, user journeys, compliance logic, and integrations in a test environment.

Launch & Grow

Go live with your first users under your brand—fully operational, fully compliant.

Have the Idea. We'll Handle the Rest.

No license? No tech team? No problem. Launch your own branded financial product in weeks with FinLego’s White Label Banking solution.

Book a demo