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 Explore customer experiences
Your new bankA consumer banking app demonstrates multi-currency accounts, payments, card controls, currency exchange and crypto. A glass back office shows five enabled modules with their selected connectors. Your new bank/ WorkspaceJDProduct configurationModules and connected providersModulesGeneralAccessMODULEENABLEDCONNECTORPaymentsModulrCardsIntercashAccountsClearBankCurrency ExchangeCurrencycloudCryptoFireblocksAll changes saved5 active modulesYour new bankWorkspace / Product configurationMODULECONNECTORPaymentsModulrCardsIntercashAccountsClearBankCurrency ExchangeCurrencycloudCryptoFireblocks

Connect the services behind your bank.

A selection of our connectorsExplore all 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
A customer checking her banking app in a café.
n.Your new bankJL
Good morning, Julia
Euro account€3,261.30Available balance
Pay
Debit card•• 4201Active

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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

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.

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 ↗
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 ↗
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 →
Product configuration

Your banking programme

AccountsBusiness account · EUR
View connector ↗
PaymentsSEPA · EUR
View connector ↗
Card issuingVirtual card · EUR
View connector ↗
Defaults for the account, payment and card products you configure.
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.

n.Your new bankNorth Studio ⌄Business bankingJL
Payments / New payment

Make a business payment

Draft
AD
Atlas DesignDE•• •••• •••• 3000
DE
SEPA Credit is available in this customer preview.
Configure the productMethods, account details and fee quoteCustomer payment experience

Interactive illustration with example programme settings and fees. No payment is sent. Provider availability, bank charges and final fees depend on your programme.

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
POST/api/clients/{clientId}/accounts
Node.js · native fetch
// 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();
Crassula Connectors

Choose the connections your proposition needs.

Explore real integrations by capability. Provider suitability and availability are agreed for your market and programme.

Explore all 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.
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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

A demo built around your product, market and launch requirements.

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