Neobank Software Development

Whether you’re embedding credit into your platform or launching your own neobank, we engineer the financial backend — core banking, onboarding, compliance, and more — so you can focus on customer experience

What We Build?

We build the full stack powering digital banking and embedded finance — each module ready for integration or standalone deployment.

Core Banking Layer

Virtual accounts, account hierarchies, transaction logs

Card Issuance Stack

Debit/prepaid cards with BIN sponsorship, card vault

User Onboarding Engine

eKYC, biometric capture, address verification, watchlist screening

Credit & Lending Engine

Loan lifecycle management, scoring APIs, interest logic

Embedded Finance APIs

White-label finance layer for marketplaces, ERPs, and SaaS

Compliance Controls

AML rules, transaction limits, audit logs, and region-specific checks

Platform Capabilities

Our tech stack is designed for performance in high-volume, regulated environments — combining resilient infrastructure, global payout integrations, and end-to-end security to power compliant cross-border transfers at scale.

Multi-Entity Ledger ▼

Immutable journal per user/account/transaction.

Branded Finance APIs ▼

Enable partners to embed savings, credit, or payments with your logic.

Velocity & Volume Controls ▼

Dynamic rules based on user tier, location, or transaction pattern.

Role-Based Dashboards ▼

Separate views and limits for users, admins, finance, compliance.

Fallback Logic & Queueing ▼

Smart transaction queuing, retries, and corridor-level fallback.

Secure Account Layer ▼

Tokenized user data, consent logs, 2FA, and device binding.

Tech Stack & Engineering Expertise

We use a proven stack trusted by regulated financial institutions and fintech disruptors. Our modular architecture enables rapid development, seamless integrations, and long-term scalability — without vendor lock-in.

Language
Go Kotlin Java TypeScriptPython

Frameworks
Spring Boot NestJS React Native Flutter

Data & Infra
PostgreSQL Redis MongoDB Kafka Docker Kubernetes

Cloud & DevOps
AWS GCP Terraform Prometheus Datadog

Security & Auth
PCI-DSS SOC2 HSM OAuth2 OpenID Connect

Banking Integrations
UPI FAST SEPA BACS card processors credit bureaus

Neobank Project Development Process

Our process is tailored for financial products navigating regulation, scale, and rapid market entry. From compliance planning to infrastructure deployment, every stage is built for precision, auditability, and speed-to-launch.

Discovery & Regulatory Fit ▼

Define scope, licensing architecture, and align third-party partner selection.

Architecture Design ▼

Map account hierarchies, permissions, workflows, and core ledger logic.

MVP Engineering ▼

Deploy critical modules for onboarding, transactions, and card issuance.

Security & Compliance Setup ▼

Integrate region-specific compliance rules and perform penetration testing.

UAT & QA ▼

Conduct full sandbox testing for transaction flows, error handling, fraud checks, and limit validation.

Go-Live & Support ▼

Launch with real-time monitoring, incident response protocols, and SLA-backed support.

Why PrimeFin Labs?

Banking Domain Depth

Experience building neobanks, BaaS, and embedded stacks

White Label

Launch branded platforms with pre-built modules — fully customizable, with your business model

Modular by Default

Build wallets today, lending later — without rewriting infra

Dev-First Partnering

API docs, CI/CD sandbox, test payloads, live engineering support

Scale Without Downtime

Kafka-based queuing, observability, failover tools prebuilt

User & Risk Layer Separation

Secure data, audit logs, and risk controls at infra level

Let’s Build Neobank — Securely & Fast

Get in Touch