Neobank App Development Company

The right partner depends on whether you need a company with experience in compliance architecture (not just mobile development), production integrations with BaaS platforms like Mambu, Marqeta, and Galileo, and a track record of delivering to financial services regulatory standards. OmiSoft has built production crypto payment applications, multi-currency wallets, and DeFi platforms — the same architecture constraints that apply to neobank development. We handle compliance mapping, core banking integration, KYC/AML implementation, and App Store submission as a single delivery team, not as coordinated sub-contractors.

Build timelines range from 3–6 months for a focused MVP — single currency, one payment rail, KYC integration — to 6–12 months for a full-scale platform with multi-rail payments, card issuing, fraud detection, and complete compliance infrastructure. Timeline is primarily driven by integration complexity and the number of regulatory jurisdictions the product must serve simultaneously. Discovery and compliance mapping, which run before development begins, add 2–4 weeks but prevent the 3–6 month delays that compliance blockers cause when they surface in the middle of a development sprint.

MVP builds typically start from $40,000. Full-scale neobank platforms start from $120,000. Enterprise and white-label configurations are priced individually based on compliance scope, integration count, and target delivery timeline. The largest cost driver is not development hours — it is integration complexity. A platform requiring Mambu, Marqeta, SumSub, and direct bank API connections costs materially more than a single BaaS provider integration. We scope all projects in detail before pricing and provide fixed-scope estimates rather than open-ended time-and-materials contracts.

We provide compliance architecture specification, regulatory documentation for technical requirements, and audit-ready system design that satisfies the technical components regulators evaluate. We are a software engineering firm — we do not submit EMI license applications on your behalf. What we deliver is the technical evidence package: KYC/AML program implementation documentation, PSD2 SCA flow specifications, PCI DSS scope reduction through tokenization, SAR/CTR-ready reporting infrastructure, and security test reports. We have worked alongside clients' regulatory counsel through licensing processes and understand which technical artifacts regulators require at each stage.

Custom development produces a proprietary codebase built to your exact specification — feature set, compliance scope, integration stack, and user experience are defined by your product requirements, not the limits of a pre-built platform. White-label delivers a compliance-tested platform customized to your brand and configuration requirements, typically going live in 4–8 weeks. Both options transfer full source code ownership on completion — OmiSoft does not retain licensing rights to either. Custom development is the right choice when your product requires differentiation a configurable platform cannot deliver. White-label is right when speed to market outweighs the need for bespoke features. Both paths are offered by OmiSoft.

Active production integration experience covers Mambu (core banking ledger), Marqeta and Galileo (card issuing and BaaS processing), Stripe Connect (payment processing and marketplace infrastructure), Plaid (open banking connectivity, account aggregation, and income verification), and Wise (international payment rails and multi-currency accounts). We also build direct bank API integrations to PSD2 and Open Banking UK technical standards for payment initiation and account information access. BaaS platform selection is made during the Discovery phase based on your target geography, card program structure, and the licensing model you are operating under.

KYC and AML are integrated at the architecture level, not added as a standalone vendor widget. We implement automated identity verification through SumSub, Onfido, or Persona: biometric liveness detection, multi-document OCR, automated PEP and sanctions watchlist screening, and risk tier assignment at onboarding. Ongoing transaction monitoring runs velocity checks and pattern-based anomaly detection against configurable rule sets. SAR-ready reporting is built into the back-office system so compliance teams generate regulator-required reports from existing transaction data without manual extraction. AML program design — risk appetite thresholds, customer risk segmentation, transaction monitoring parameters — is documented as part of the compliance architecture brief in the Discovery phase.

Yes. We build hybrid fiat/crypto account architectures combining standard neobank features — fiat accounts, IBAN provisioning, card issuing — with stablecoin balance management and USDC settlement rails. Crypto features operate under the same KYC/AML compliance framework as fiat operations — there is no compliance gap in the crypto account layer. Cross-border payment flows using stablecoin intermediaries for settlement are supported for corridors where correspondent banking fees are prohibitive. Architecture is designed to absorb regulatory reclassification of crypto assets without requiring a full platform rebuild as classification frameworks evolve in the US and EU.

The client owns 100% of the source code and intellectual property at delivery. This applies equally to custom development and white-label engagements — OmiSoft does not retain licensing rights, impose ongoing usage fees, or embed clauses that limit future use or modification of the codebase. IP ownership transfer is documented in the project agreement before development begins.