Launch a compliant neobank in weeks, not months.

A white-label banking stack with IBAN, SEPA/SWIFT, multi-currency accounts and card issuance on a single core.

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Shape the product without touching the core.

Every banking brief is different. FinHarbor is designed to bend around your product, operating model and market.

White-label UI

Brand tokens, typography and interface components across web, iOS and Android

Pluggable rails

Connect payment processors, KYC providers and external services without rewriting the core

Configurable modules

Choose the banking, card, B2B and payment capabilities your product needs

Tariff engine

Configure fees, margins, limits and transaction rules without redeployment

Multi-tenant

Run multiple brands and customer segments on shared infrastructure with isolated data

Compliance ready

Support regulated operations with integrated KYC, KYB, AML and audit capabilities

Everything you need to build a digital bank.

B2C Digital Banking

IBAN, cards, SEPA/SWIFT, multi-currency

B2B Banking

Corporate accounts, KYB, treasury

Cards

Virtual & physical, auto-conversion, PCI-DSS

User Applications

Web, iOS and Android banking apps

Authentication

Advanced security measures to protect user funds

Monitoring & Reporting

Continuous overseeing of operations and performance

Onboarding & Compliance

Configure flows, review cases and automate compliance rules

Agile Fee Configurator

Configurable margin strategies for cross-currency payments

Admin Tools

Users, flows, RBAC roles and scopes, currencies, limits, etc.

One core for every account and payment flow.

Create and operate multi-currency accounts with a unified balance engine and access to major payment rails.

IBAN / vIBAN

Issue dedicated accounts for customers and business clients.

Multi-currency

Support multiple currencies through a unified account architecture.

Internal ledger

Maintain balances and account operations through a unified ledger.

Crypto connectivity

Support cryptocurrency exchange flows alongside fiat banking.

Payment rails

Connect SEPA, SWIFT and FedWire flows.

Issue cards. Control every transaction.

Give customers virtual and physical cards with real-time authorization and configurable transaction controls.

Virtual & physical debit card support

Support different card products from a single platform.

Real-time authorization

Process and authorize card transactions through the banking core.

FX prioritization

Control currency conversion and transaction routing.

Multi-currency

Support card operations across multiple currencies.

Auto-conversion

Configure automatic conversion flows where required.

Compliance built into the customer journey.

Configure onboarding flows, review cases and automate compliance rules without building a separate operational layer.

Application

Screening

Manual Review

KYC/KYB

Risk Scoring

Account

Application

KYC / KYB

Screening

Risk Scoring

Manual Review

Account

Full-featured administrative toolkit

Role-based access control (RBAC) with granular permissions

Customizable admin dashboard with real-time metrics

Agile fee limits configuration without redeploy

Event-driven core, ready for millions of accounts.

25 event-driven microservices behind a unified ledger — horizontally scalable and observable end-to-end.

Event-driven core

Configurable orchestration between services instead of synchronous API chains

Unified ledger

Multi-currency balance engine with atomic cross-rail operations

800+ API endpoints

REST, fully documented; 194 OAuth scopes for granular permissions

Real-time observability

Metrics, traces, and immutable audit for every transaction

99.99% target SLA

Multi-AZ, self-healing, automated failover

Proven at 50+ products

Europe, MENA, Central Asia, South Asia — same core

Event-driven core

Configurable orchestration between services instead of synchronous API chains

Unified ledger

Multi-currency balance engine with atomic cross-rail operations

800+ API endpoints

REST, fully documented; 194 OAuth scopes for granular permissions

Real-time observability

Metrics, traces, and immutable audit for every transaction

99.99% target SLA

Multi-AZ, self-healing, automated failover

Proven at 50+ products

Europe, MENA, Central Asia, South Asia — same core

Solution architecture

25 event-driven microservices behind an API getaway with 800+ endpoints and 194 OAuth2 scopes. Configurable service-to-service orchestration, unified multi-currency ledger and a shared compliance backbone.

Built for security and compliance.

Problem

Solution

Unauthorized API access attempt

OAuth2 with granular scopes and role-based access control

Data intercepted in transit

Encryption at rest and in transit

Suspicious transaction pattern detected

Compliance layer with automated flagging and escalation

Internal action without accountability

Immutable audit trail

Unverified user reaches production

KYC & KYB onboarding and screening gates

Launch your fintech product — faster than you thought possible

Join companies already building with FinHarbor
in markets across Europe, MENA, and beyond

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