---
title: "Neobank Platform | Launch a Neobank Built to Last | Crassula"
description: "Shape a neobank around your audience with branded apps, account products, payment capabilities and configurable tariffs. Plan your first release."
url: "https://crassula.io/solutions/neobank-platform/"
lang: "en"
alternates:
  "en": "https://crassula.io/solutions/neobank-platform/"
  "de": "https://crassula.io/de/solutions/neobank-platform/"
  "es": "https://crassula.io/es/solutions/neobank-platform/"
  "fr": "https://crassula.io/fr/solutions/neobank-platform/"
  "x-default": "https://crassula.io/solutions/neobank-platform/"
index: "https://crassula.io/llms.txt"
---

From audience to first release

# Launch a neobank built around your customers.

Turn your audience, account offering and fee model into a branded banking product. Bring the customer proposition; Crassula connects the apps, banking capabilities and operating tools behind it.

[Plan your first release](https://crassula.io/request-demo/)Explore the product decisions ↓

Personal and business accounts Cards and payments White-label apps Price lists

## Banking connections for your neobank.

[![OpenPayd](https://crassula.io/static/images/solutions/connector-logos/openpayd.png)](https://crassula.io/connectors/app/openpayd/)
[![Currencycloud](https://crassula.io/static/images/solutions/connector-logos/currencycloud.svg)](https://crassula.io/connectors/app/currencycloud/)
[![Railsr](https://crassula.io/static/images/solutions/connector-logos/railsr.png)](https://crassula.io/connectors/app/railsr/)
[![Intercash](https://crassula.io/static/images/solutions/connector-logos/intercash.svg)](https://crassula.io/connectors/app/intercash/)
[![REAP](https://crassula.io/static/images/solutions/connector-logos/reap.svg)](https://crassula.io/connectors/app/reap/)
[![Sumsub](https://crassula.io/static/images/solutions/connector-logos/sumsub.png)](https://crassula.io/connectors/app/sumsub/)

A selection of our connectors [Explore all connectors](https://crassula.io/connectors/)

Picture your future customers

## One brand. A service built for your audience.

Give everyday customers a familiar money experience, or build around the accounts and payment needs of a growing business. Start with the people you want to serve.

![A customer checking her banking app at a tram stop in the evening.](https://crassula.io/static/images/features/people/personal-1200.webp)

For personal customers

![Two studio founders reviewing their business finances.](https://crassula.io/static/images/features/people/studio-1200.webp)

For business customers

Case Studies

## See what teams build with Crassula.

![Multipass](https://crassula.io/static/images/solutions/cases/logo-multipass.png)

- Multi-currency accounts
- Cross-border payments
- BaaS connections

Live on Crassula

### [Custom financial products for global businesses.](https://crassula.io/cases/multipass/)

Global business accounts, multi-currency payments and cross-border solutions, supported by Crassula APIs and BaaS connections.

[Read case study](https://crassula.io/cases/multipass/)

![LuxPay](https://crassula.io/static/images/solutions/cases/logo-luxpay.png)

- IBAN · SEPA
- Card issuing
- KYC onboarding

Live on Crassula

### [A connected banking platform for modern financial services.](https://crassula.io/cases/luxpay/)

Account details, SEPA payments, card issuing, KYC onboarding and multi-currency exchange in one financial product.

[Read case study](https://crassula.io/cases/luxpay/)

Make the proposition specific

## Three decisions before the first customer.

Start with a defined audience and a useful first product. Configure the banking model around that choice, then expand as your requirements become clearer.

Customer focus

### A different audience needs a different account product.

Shape personal and business account products around the customers you want to serve. Define the account structure and defaults for each product, rather than starting with a generic app.

[Explore accounts →](https://crassula.io/features/accounts/)

Define the work behind the launch

## A focused release needs more than an app.

01

### Product and brand

Agree your initial audience, product scope, pricing and customer channels.

02

### Providers and responsibilities

Choose the banking and card connections your programme needs. Clarify the licensed setup and the responsibilities of each party.

03

### Operations and validation

Set up permissions, review policies and support processes. Validate the customer journey and operating workflow before going live.

Keep the next chapter open

## Start with a clear proposition. Build room to evolve.

Account products, tariffs and connected services can grow with your requirements. Decide what belongs in the first release and what should follow, with the same banking foundation underneath.

[Explore Digital Banking →](https://crassula.io/solutions/digital-banking/)

First release

**Audience****Accounts****Channels**

Next product decision

**Tariffs****Currencies****Connected services**

Scope and availability depend on your programme and providers.

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

## Connect the services your product needs.

Choose integrations that fit your programme, market and required capabilities.

[![OpenPayd](https://crassula.io/static/images/solutions/connector-logos/openpayd.png)Accounts and payments](https://crassula.io/connectors/app/openpayd/) [![Railsr](https://crassula.io/static/images/solutions/connector-logos/railsr.png)Accounts and cards](https://crassula.io/connectors/app/railsr/) [![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/) [![Currencycloud](https://crassula.io/static/images/solutions/connector-logos/currencycloud.svg)FX and payments](https://crassula.io/connectors/app/currencycloud/) [XE FX and payments](https://crassula.io/connectors/app/xe/) [Explore all connectors](https://crassula.io/connectors/)

Your market

## Launch under your licence

What the platform covers for your licence and country: the regulator's IT questions, rails, providers and dates.

UK and EU · EMI

### [Neobank first, own EMI licence later](https://crassula.io/solutions/neobank-platform/emi-licence-path/)

Go live under a licensed partner, file for your own EMI with the FCA or an EU regulator, then move customers across on the platform they already use.

See what we cover →

### [Launching somewhere else?](https://crassula.io/request-demo/)

Tell us your licence and country. We will map the rails, providers and documents you need.

Talk to our team →

Guides

## Neobanks, explained

![Neobanks in 2026: Business Models, Economics and How to Launch One](https://crassula.io/static/images/guides/neobanks/neobank-sprout-preview-960.jpg)

### [Neobanks in 2026: Business Models, Economics and How to Launch One](https://crassula.io/solutions/neobank-platform/guides/neobanks/)

![10 Best Neobanks That Are Leading the Industry in 2026](https://crassula.io/static/images/guides/10-best-neobanks-that-are-leading-the-industry/neobank-podium-preview-960.jpg)

### [10 Best Neobanks That Are Leading the Industry in 2026](https://crassula.io/solutions/neobank-platform/guides/10-best-neobanks-that-are-leading-the-industry/)

![How To Start An Online Bank From Scratch In 2026](https://crassula.io/static/images/guides/how-to-start-an-online-bank-from-scratch-in-2024/online-bank-launch-preview-960.jpg)

### [How To Start An Online Bank From Scratch In 2026](https://crassula.io/solutions/neobank-platform/guides/how-to-start-an-online-bank-from-scratch-in-2024/)

![Branchless Banking in 2026: The Complete Guide](https://crassula.io/static/images/guides/what-is-branchless-banking-and-why-use-it/branchless-bank-preview-960.jpg)

### [Branchless Banking in 2026: The Complete Guide](https://crassula.io/solutions/neobank-platform/guides/what-is-branchless-banking-and-why-use-it/)

[**Explore all guides**Licensing, payments, cards and core banking, explained by our team.](https://crassula.io/guides/)

Neobank Platform

## FAQ

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 much does it cost to launch a neobank?

The scope depends on your account and card offering, customer channels, integrations and provider arrangement. Discuss the first release with our team so the platform scope and the responsibilities around it can be assessed together.

How do neobanks make money?

Build the fee model around the proposition using product price lists, fixed and percentage fees, recurring charges and FX markups. Provider costs, commercial agreements and customer activity shape the business model alongside the software.

Do we need our own banking licence?

The regulated setup can involve your own licensed entity or contracted providers. The appropriate structure depends on your product, target market and programme. Crassula supplies the technology layer.

How long does it take to go live?

The timeline depends on product scope, provider onboarding, integrations and validation. Ready-made channels and banking modules provide a starting point; agree the launch plan for your specific programme with our team.

What is the difference between a neobank and a digital bank?

A neobank is an app-first bank, usually a new brand built on a partner or its own licence. A digital bank is the broader category that also includes the digital arms of established banks. Crassula powers both - see our digital banking solution for the full stack.

Neobank Platform

## Bring your audience. Let’s shape the first product.

Walk through the proposition, banking capabilities and launch responsibilities with our team.

[Plan your first release](https://crassula.io/request-demo/)

[**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/)