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Launch a Fully Branded Digital Bank - Without a License
Go live with your own neobank, wallet, or crypto platform in weeks using our compliant, ready-made white label infrastructure. Your brand, your users - we handle the rest.
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What Is a
White Label Bank?
FinLego lets you offer regulated financial services - such as accounts, payments, crypto wallets, and compliance - under your own brand, without needing a banking license or internal tech team.
With our White Label Banking platform, you get everything you need to launch your fintech or crypto business quickly and legally: infrastructure, licensed partners, full compliance stack, and custom branding.
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.
  • Compliance-as-a-Service: We provide the licensed partners, controls, and reporting - so you don’t have to hire a compliance team or wait for licensing.
Who Benefits from White Label Banking?
Fintech Startups
Founders with a banking or payments idea, but no infrastructure or license. FinLego provides the platform, compliance, and partner connections - so you can launch fast, learn, and scale.
Crypto Platforms
& Web3 Products
Combine fiat banking and crypto wallets in one branded app. Offer on/off ramps, KYC, and payment rails without building from scratch or applying for licenses.
Traditional Companies
Going Digital
Expand into fintech without becoming a bank. Offer embedded accounts, payments, or crypto features to your existing users, backed by our infrastructure.
MVP Testing
& Fast Launch Projects
Test new financial concepts in-market, without going through long licensing or compliance builds. Perfect for pilot programs and early fundraising stages.
A Complete Solution - No License, No Delay, No Overhead
  • Go Live in Weeks, Not Months
    Skip the licensing queue and months of BaaS approvals. With our pre-integrated partners, you can launch in as little as a few weeks.
  • We Handle Compliance
    No need to build your own compliance team. We provide KYC, AML, transaction monitoring, and reporting tools - already integrated and regulator-tested.
  • Built on Licensed Banking Partners
    We connect you to trusted banks across the globe, allowing you to offer real services without regulatory exposure.
  • Your Brand, Front and Center
    Everything is fully white-labeled - from the dashboard and onboarding flow to email templates and mobile UI. You own the customer experience.
  • Seamless Fiat + Crypto Infrastructure
    Our unique setup supports both fiat and crypto wallets in a single product. Build banking, exchange, and DeFi features under one umbrella.
  • Modular, API-Ready Architecture
    Need more than just an app? Use our APIs to build custom flows, integrate 3rd parties, and create a product that’s truly yours.
Testimonials from Real Fintech Founders
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
    3
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.