--- title: "Digital Banking Platform | Apps, Accounts and Operations" description: "Launch a digital bank with Crassula: multi-currency accounts and IBANs, SEPA and SWIFT payments, cards, branded apps and a Back-Office Dashboard." url: "https://crassula.io/solutions/digital-banking/" lang: "en" alternates: "en": "https://crassula.io/solutions/digital-banking/" "de": "https://crassula.io/de/solutions/digital-banking/" "es": "https://crassula.io/es/solutions/digital-banking/" "fr": "https://crassula.io/fr/solutions/digital-banking/" "x-default": "https://crassula.io/solutions/digital-banking/" index: "https://crassula.io/llms.txt" --- Digital banking for fintechs, EMIs and banks # Bring your digital bank to life. Launch under your own brand with web and mobile apps, accounts, payments and cards. Connect the providers you need and run the service from one Back-Office Dashboard. - Multi-currency accounts and IBANs - SEPA and SWIFT payments - Card issuing - Web and mobile apps - Back-Office Dashboard [Request demo](https://crassula.io/request-demo/) Explore customer experiences Built with Crassula [Multipass ↗](https://crassula.io/cases/multipass/) [Pay IO ↗](https://crassula.io/cases/payio/) [LuxPay ↗](https://crassula.io/cases/luxpay/) ## Connect the services behind your bank. [![Currencycloud](https://crassula.io/static/images/solutions/connector-logos/currencycloud.svg)](https://crassula.io/connectors/app/currencycloud/) [![ClearBank](https://crassula.io/static/images/solutions/connector-logos/clearbank.png)](https://crassula.io/connectors/app/clearbank/) [![Sumsub](https://crassula.io/static/images/solutions/connector-logos/sumsub.png)](https://crassula.io/connectors/app/sumsub/) [![Kraken](https://crassula.io/static/images/solutions/connector-logos/kraken.png)](https://crassula.io/connectors/app/kraken/) [![Fireblocks](https://crassula.io/static/images/solutions/connector-logos/fireblocks.png)](https://crassula.io/connectors/app/fireblocks/) [![Intercom](https://crassula.io/static/images/solutions/connector-logos/intercom.png)](https://crassula.io/connectors/app/intercom/) A selection of our connectors [Explore all connectors](https://crassula.io/connectors/) The bank your customers will use ## Their everyday life. Your banking experience. Choose who you want to serve. Bring their accounts, payments and cards together in a banking app that feels made for them. One platform. Distinct propositions. Build with personal and business account products, selected currencies and payment methods. Choose the experience your market needs. [Discuss your banking proposition](https://crassula.io/request-demo/) ![A customer checking her banking app in a café.](https://crassula.io/static/images/features/people/everyday-1200.webp) Your brand, in their daily routine. A salary comes in. A ride, a purchase and a subscription go out. Your customers always know where their money stands. [Explore accounts](https://crassula.io/features/accounts/) Illustrative customer experiences and sample amounts. Available products, currencies and services depend on your programme and providers. Case Studies ## Different ambitions. Already built with Crassula. See how financial businesses use Crassula to bring their own propositions to market, from international accounts to everyday business banking. ![Multipass](https://crassula.io/static/images/solutions/cases/logo-multipass.png) - Multi-currency accounts - Cross-border payments - BaaS connections Live on Crassula International business banking ### [Global accounts. A product built on their terms.](https://crassula.io/cases/multipass/) Multipass uses Crassula APIs and BaaS connections to build custom financial products for international businesses, including multi-currency and cross-border payments. [Read the Multipass case study](https://crassula.io/cases/multipass/) ![Pay IO](https://crassula.io/static/images/solutions/cases/logo-payio.png) - Business accounts - Virtual and physical cards - Multi-currency exchange Live on Crassula Everyday business banking ### [Business banking, ready for the working day.](https://crassula.io/cases/payio/) Pay IO combines business accounts, virtual and physical debit cards, local payments and multi-currency exchange with web, iOS and Android channels. [Read the Pay IO case study](https://crassula.io/cases/payio/) ![LuxPay](https://crassula.io/static/images/solutions/cases/logo-luxpay.png) - IBAN · SEPA - Card issuing - KYC onboarding Live on Crassula Connected financial services ### [Accounts, cards and payments. One connected offer.](https://crassula.io/cases/luxpay/) LuxPay brings together IBANs, SEPA payments, card issuing, KYC onboarding and currency exchange, with a Back-Office Dashboard for daily operations. [Read the LuxPay case study](https://crassula.io/cases/luxpay/) Built around your next move ## Your starting point. Your banking proposition. Start a new fintech, extend a payment business or launch a digital proposition alongside an existing institution. Shape the scope around your business. Fintech founders & product teams ### Put your proposition in customers’ hands. Start with ready-made customer channels and banking modules. Focus your team on your audience, brand and customer journey. [Explore white-label apps ↗](https://crassula.io/products/interfaces/) EMIs & payment companies ### Build a broader banking relationship. Bring accounts, cards and currency exchange alongside payments. Configure product eligibility, tariffs and provider connections for your programme. Explore product configuration ↓ Banks & financial institutions ### Make room for a new digital proposition. Use branded channels and APIs to create a focused customer experience. Define the integration and transition scope around your existing systems. [Explore the API ↗](https://crassula.io/features/api/) You define the product ## Your brand. Your pricing. Your provider choices. Decide which accounts, payments and cards your customers can use. Set the connections, currencies and tariffs behind each product, then bring them together in your banking experience. Availability depends on your programme and provider agreements. [Explore accounts →](https://crassula.io/features/accounts/) One connected banking service ## One customer experience. A clear operating view. Configure payment rails, connections and tariffs for your banking product. See those choices shape a business customer’s payment methods, account details and fee preview. [Explore transfers ↗](https://crassula.io/features/transfers/) [Back-Office Dashboard ↗](https://crassula.io/features/dashboard/) Built for developers ## Build accounts into your own experience. Open a named account from your own product. Connect the account journey to the banking capabilities available in your Crassula environment. - Create an account for an existing client - Pass the account name, currency and country - Use the returned account in your next journey [Explore the API docs](https://docs.demo.crassu.la/#tag/accounts/POST/api/clients/{clientId}/accounts) POST`/api/clients/{clientId}/accounts` Node.js · native fetch ```text // Create an account const baseUrl = process.env.CRASSULA_BASE_URL; const apiKey = process.env.CRASSULA_API_KEY; const clientId = process.env.CRASSULA_CLIENT_ID; const path = `/api/clients/${encodeURIComponent(clientId)}/accounts`; const response = await fetch(`${baseUrl}${path}`, { method: 'POST', headers: { Authorization: apiKey, 'Content-Type': 'application/json', }, body: JSON.stringify({ "name": "Everyday account", "currency": "EUR", "countryCode": "DE" }), }); if (!response.ok) throw new Error(`HTTP ${response.status}`); const data = await response.json(); ``` **Create an account** Account availability and verification requirements follow your configured product and provider. [View API reference](https://docs.demo.crassu.la/#tag/accounts/POST/api/clients/{clientId}/accounts) Crassula Connectors ## Choose the connections your proposition needs. Explore real integrations by capability. Provider suitability and availability are agreed for your market and programme. **Accounts, payments & FX** [![OpenPayd](https://crassula.io/static/images/solutions/connector-logos/openpayd.png)Accounts and payments](https://crassula.io/connectors/app/openpayd/) [![ClearBank](https://crassula.io/static/images/solutions/connector-logos/clearbank.png)Accounts and payments](https://crassula.io/connectors/app/clearbank/) [![Currencycloud](https://crassula.io/static/images/solutions/connector-logos/currencycloud.svg)FX and payments](https://crassula.io/connectors/app/currencycloud/) **Card issuing** [![Intercash](https://crassula.io/static/images/solutions/connector-logos/intercash.svg)Card issuing](https://crassula.io/connectors/app/intercash/) [![REAP](https://crassula.io/static/images/solutions/connector-logos/reap.svg)Card issuing](https://crassula.io/connectors/app/reap/) [![Railsr](https://crassula.io/static/images/solutions/connector-logos/railsr.png)Accounts and cards](https://crassula.io/connectors/app/railsr/) **Identity & onboarding** [![Sumsub](https://crassula.io/static/images/solutions/connector-logos/sumsub.png)Identity verification](https://crassula.io/connectors/app/sumsub/) [Comply Advantage AML screening](https://crassula.io/connectors/app/comply-advantage/) [Salv AML screening](https://crassula.io/connectors/app/salv/) [Explore compliance →](https://crassula.io/features/compliance/) **Digital-asset extensions** [![Fireblocks](https://crassula.io/static/images/solutions/connector-logos/fireblocks.png)Custody](https://crassula.io/connectors/app/fireblocks/) [![Kraken](https://crassula.io/static/images/solutions/connector-logos/kraken.png)Crypto exchange](https://crassula.io/connectors/app/kraken/) [![BitGo](https://crassula.io/static/images/solutions/connector-logos/bitgo.svg)Custody](https://crassula.io/connectors/app/bitgo/) [Explore crypto →](https://crassula.io/features/crypto/) [Explore all connectors →](https://crassula.io/connectors/) From proposition to launch plan ## Know what it takes to bring your bank to life. A useful demo starts with your business. Map the product, the connections and the customer journey before agreeing your delivery scope. 01 / Define ### Start with your customers and market. Set the audience, countries, account products and currencies. Establish how regulated services will be delivered through your entity or contracted providers. Your proposition and programme requirements 02 / Connect ### Shape the product behind the brand. Choose banking, payment, card and onboarding connections. Set product rules and tariffs, then align your branded apps or custom API experience. Your product, provider and channel scope 03 / Validate ### Test the journeys that matter. Review onboarding, incoming funds, payments, card controls and operating roles. Agree launch readiness, dependencies and rollout with your team. Your validation and rollout plan A closer look ## Plan your digital bank. The questions teams ask us before a first call. [**Not covered here?**Bring your question to a demo with our team.](https://crassula.io/request-demo/) How fast can we launch a digital bank? The timeline depends on product scope, customer channels, provider onboarding, integrations and validation. Ready-made apps and banking modules provide a starting point; agree the rollout plan for your programme. Do we need our own banking licence? Crassula provides the technology layer. Regulated services can be delivered through your own licensed entity or contracted providers. The suitable arrangement depends on your market, product and programme. Which payment rails are supported? Connected providers support SEPA Credit, SEPA Instant, SWIFT and selected local schemes, alongside internal and batch transfers. Routes, currencies and availability depend on the provider configuration for your programme. Can we build our own customer app? Choose ready-made branded web and mobile channels, or build a custom customer experience with Crassula APIs. Align the interface, integrations and delivery scope with the product you want to launch. How do we plan the project and budget? Start with the required modules, channels, integrations and customisation. Discuss platform scope alongside provider agreements and operating requirements, so your team can plan the overall launch rather than just the application build. Can we migrate from our existing core banking system? Crassula can run alongside an existing core. Review your data, products and integrations with our team to agree a transition scope and validation plan. Are the apps really our brand? Your web, iOS and Android channels carry your branding. Configure application identity, colour, appearance and language to make the customer experience your own. Guides ## Digital banking, explained ![Digital Banking in 2026: The Complete Guide](https://crassula.io/static/images/guides/what-is-digital-banking/digital-banking-hourglass-preview-960.jpg) ### [Digital Banking in 2026: The Complete Guide](https://crassula.io/solutions/digital-banking/guides/what-is-digital-banking/) ![White Label Banking in 2026: Providers, Platforms and How It Works](https://crassula.io/static/images/guides/white-label-banking/white-label-stamp-preview-960.jpg) ### [White Label Banking in 2026: Providers, Platforms and How It Works](https://crassula.io/solutions/digital-banking/guides/white-label-banking/) ![Top White-Label Digital Banking Platforms in 2026](https://crassula.io/static/images/guides/top-white-label-digital-banking-platforms/platform-tiers-preview-960.jpg) ### [Top White-Label Digital Banking Platforms in 2026](https://crassula.io/solutions/digital-banking/guides/top-white-label-digital-banking-platforms/) ![Consumer Banking Software in 2026: Features, Architecture and Vendors](https://crassula.io/static/images/guides/consumer-banking-software/consumer-banking-dome-preview-960.jpg) ### [Consumer Banking Software in 2026: Features, Architecture and Vendors](https://crassula.io/solutions/digital-banking/guides/consumer-banking-software/) ![Private Banking Software in 2026: Capabilities and Buyer's Guide](https://crassula.io/static/images/guides/private-banking-software/private-banking-safe-preview-960.jpg) ### [Private Banking Software in 2026: Capabilities and Buyer's Guide](https://crassula.io/solutions/digital-banking/guides/private-banking-software/) ![Open Banking in 2026: The Ultimate Guide](https://crassula.io/static/images/guides/open-banking/open-banking-padlock-preview-960.jpg) ### [Open Banking in 2026: The Ultimate Guide](https://crassula.io/solutions/digital-banking/guides/open-banking/) [**Explore all guides**Licensing, payments, cards and core banking, explained by our team.](https://crassula.io/guides/) Your market ## Explore your launch market Use the country guides to prepare questions about your product scope, integrations and operating requirements. Bulgaria · EMI ### [Digital banking for Bulgarian EMIs](https://crassula.io/solutions/digital-banking/bulgaria-emi/) Euro e-money accounts, cards and a Bulgarian-language app for an e-money institution licensed by the Bulgarian National Bank, built for a market that switched from lev to euro in 2026. See what we cover → Czech Republic · EMI (instituce elektronických peněz) ### [Digital banking for Czech EMIs](https://crassula.io/solutions/digital-banking/czech-republic-emi/) Branded apps, koruna and euro e-money accounts and cards for an e-money institution authorised by the Czech National Bank, with the technical part of the CNB application prepared. See what we cover → France · EMI (établissement de monnaie électronique) ### [Digital banking for French EMIs](https://crassula.io/solutions/digital-banking/france-emi/) Apps in your brand, accounts, cards and instant transfers for an e-money institution authorised by the ACPR, with a security set-up the Banque de France can review before authorisation. See what we cover → Germany · E-Geld-Institut (EMI) ### [Digital banking for German EMIs](https://crassula.io/solutions/digital-banking/germany-emi/) Your own banking app for an e-money institution authorised by BaFin: German interface, accounts, cards and SEPA Instant, plus the system description your ZAG application needs. See what we cover → Ireland · EMI ### [Digital banking for Irish EMIs](https://crassula.io/solutions/digital-banking/ireland-emi/) Consumer and business e-money apps for an institution authorised by the Central Bank of Ireland, built to meet the disclosure and complaint duties of the revised Consumer Protection Code. See what we cover → Latvia · EMI ### [Digital banking for Latvian EMIs](https://crassula.io/solutions/digital-banking/latvia-emi/) Branded apps, e-money accounts and cards for an EMI supervised by Latvijas Banka, with onboarding in Latvian, English and the other languages your Baltic customers use. See what we cover → Show 8 more markets Lithuania · EMI ### [Digital banking for Lithuanian EMIs](https://crassula.io/solutions/digital-banking/lithuania-emi/) Branded web, iOS and Android apps, onboarding and cards for an EMI licensed in Vilnius and passported to customers across the EEA, in their own languages. See what we cover → Luxembourg · EMI ### [Digital banking for Luxembourg EMIs](https://crassula.io/solutions/digital-banking/luxembourg-emi/) Branded e-money apps for an institution authorised by the CSSF, arriving just as Luxembourg customers move from Payconiq to Wero. See what we cover → Malta · Financial institution (e-money) ### [Digital banking for Maltese EMIs](https://crassula.io/solutions/digital-banking/malta-emi/) A branded e-money app, cards and business accounts for a financial institution licensed by the MFSA, with a back office your Malta-based directors actually run. See what we cover → Netherlands · EMI ### [Digital banking for Dutch EMIs](https://crassula.io/solutions/digital-banking/netherlands-emi/) Branded e-money apps and cards for an institution licensed by De Nederlandsche Bank, for customers used to iDEAL, instant transfers and Dutch-language service. See what we cover → Poland · EMI (krajowa instytucja pieniądza elektronicznego) ### [Digital banking for Polish EMIs](https://crassula.io/solutions/digital-banking/poland-emi/) Branded apps, zloty and euro e-money accounts and cards for a national e-money institution authorised by KNF, with the IT chapters of the application written around a working system. See what we cover → Portugal · EMI ### [Digital banking for Portuguese EMIs](https://crassula.io/solutions/digital-banking/portugal-emi/) E-money apps and cards for an institution authorised by the Banco de Portugal, built for customers who already pay with MB WAY and Multibanco. See what we cover → Spain · EMI (entidad de dinero electrónico) ### [Digital banking for Spanish EMIs](https://crassula.io/solutions/digital-banking/spain-emi/) Apps in your brand, accounts, cards and instant transfers for an e-money institution authorised by the Banco de España, with the fund detail that safeguarding requires. See what we cover → United Kingdom · EMI ### [White-label digital banking for UK EMIs](https://crassula.io/solutions/digital-banking/uk-emi/) Your brand on iOS, Android and web: onboarding, GBP and multi-currency accounts, cards and a back office, ready to show the FCA and to ship to the app stores. See what we cover → Digital Banking ## Build the bank you have in mind. Tell us who you want to serve and where you want to launch. Explore the customer journeys, banking modules and provider connections for your proposition in a tailored demo. [Request demo](https://crassula.io/request-demo/) A demo built around your product, market and launch requirements. [**Know what you pay**One setup fee and a monthly plan with accounts and transactions included.*See pricing →*](https://crassula.io/prices/) [**Start with the API**Documented endpoints for accounts, payments, cards and customers.*Explore the API →*](https://crassula.io/features/api/)