Multipass is a financial services provider offering global business accounts, multi-currency payments, and cross-border transaction solutions.
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Launch a Neobank Built to Last
Getting a neobank live is the easy part. The hard part is making it pay. Crassula gives you branded apps plus accounts, cards, FX and more on one platform - so your revenue never rests on interchange alone, and you build toward profitability from launch.
- Ready-to-market apps
- Accounts and IBANs
- Cards and payments
- FX and crypto
- Multiple revenue streams
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The neobanks that last are the ones that make money
Growth at any cost is over. A neobank running on card interchange alone rarely covers the cost to serve its customers. The ones that reach profitability earn in several places at once and pick a segment they can serve deeply.
Interchange alone is thin
A few cents per transaction rarely pays back what it costs to acquire and serve a customer. One revenue line is a fragile business.
A niche beats broad
The neobanks that work choose a segment - SMEs, a profession, a community - and serve it well instead of chasing everyone.
Burn kills before scale
Every month spent building infrastructure is runway you do not get back. Ready-made rails let you spend on customers, not plumbing.
See the neobank your customers will use
Accounts that fit real money lives
Give each customer multi-currency personal and business accounts, sorted into the categories they actually think in - savings, travel, everyday spending - each with its own IBAN.
Dedicated and virtual IBANs- Interest-bearing Vaults for savings
- Cashback and rewards on spending
Cards your customers carry every day
Issue branded virtual and physical Visa and Mastercard cards, with Apple Pay and Google Pay. Customers freeze a card, see its details or set limits straight from your app - every swipe earns you interchange.
Crypto and FX in the same app
Let customers hold crypto accounts next to their fiat balances and exchange between currencies, with enterprise custody and liquidity providers underneath. The FX spread is another line on your P&L.
One dashboard to run the numbers
Set your fees and tariffs, watch users, conversions and volumes, and approve transactions from a single Back-Office Dashboard. You see what each revenue line brings in and tune the mix as you grow.
More than one way to earn per customer
Crassula gives your neobank the product breadth to build a real P&L, not a single-line business. You set the fees from the Dashboard and switch on the revenue lines that fit your segment.
- Card interchange on virtual and physical cards
- FX margins on multi-currency exchange
- Account, payment and subscription fees you define
- Interest on balances customers hold in Vaults
Apps that look and feel like your own
Ready-to-market iOS, Android and web apps, customized with your colours, logo and brand style. Your customers see your neobank; Crassula runs invisibly underneath, localized to more than 15 languages.
From idea to launch in four steps
1
Tell us your project
Your segment, target markets and the rails you need. We map it to a licence path and providers.
2
Construct your product
Configure apps, accounts, cards, payments and currencies - branded in your colours and style.
3
Set up onboarding
Define your onboarding flow, KYC checks and compliance rules, then connect to your licence or partner.
4
Launch
Publish your apps and go live in weeks, not the year a build from scratch takes.
Pick your niche
SME and business neobank
Business accounts, expense cards, multi-currency and international payments for a segment big banks underserve.
Community and niche consumer
A neobank for a profession, a diaspora or a community - deep loyalty and lower acquisition cost than a broad play.
Crypto-friendly neobank
Combine fiat accounts and cards with crypto accounts and FX in one app, powered by enterprise custody partners.
Cross-border and remittance
Multi-currency accounts, SEPA and SWIFT and card payouts for customers who move money across borders.
10 days
to roll out a branded neobank
150+
companies run on Crassula
60+
integrations to build your revenue mix
15+
languages, ready for your market
Neobanks, explained
FAQ
Far less than building from scratch. A white-label launch on ready-made apps and pre-integrated rails avoids the seven-figure, year-long build of doing it all yourself. Your main costs become your licence or partner arrangement and your go-to-market, not core engineering.
Through a mix: card interchange, FX margins, account and payment fees, subscriptions, and interest on balances. The neobanks that reach profitability run several of these at once rather than relying on interchange alone - which is exactly what Crassula's product breadth lets you do.
Not to launch. Most neobanks start on a BaaS partner and contract with them for the regulated rails, then move to their own EMI or banking licence as they scale. Crassula supports both models, so you are not re-platforming when you upgrade.
Weeks. Ready-to-market apps and back office mean the build is short; your timeline is mostly your licensing or partner setup, not engineering.
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. Digital banking solution.
