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Crypto-Fiat Neobank Platform | Full Source Code Licence or Full Acquisition | 18-Month EU Track Record | $150m+ Processed | ~$1m Revenue | 300k+ Installs Across 85+ Countries

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Full source code for a crypto-fiat neobank proven in EU operation. $150m+ processed, ~$1m revenue. Own your infrastructure, no white-label.

Infrastructure & Developer Tools
Crypto Payments

Asking Price

$2,000,000

TTM Revenue

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TTM Profit

Last Months Revenue

Last Months Profit

Token Holders

Country

Web and Social Traffic

Business Created

2023

Corporation

Competitors

Company Size

Tech Stack

Flutter, React, Node.js, NestJS, Python, Django, Camunda 8, PostgreSQL, MongoDB, Redis, Elasticsearch, RabbitMQ, Docker, Kubernetes (AWS EKS), Terraform, AWS S3, AWS Secrets Manager, Keycloak, Cloudflare, Prometheus, Grafana, ELK, Sentry, GitLab CI/CD

Website

Twitter

Listing Summary

A complete crypto-fiat neobanking platform with full source code, offered under a perpetual licence from $2,000,000. Licences with territory or sector exclusivity can be structured at a higher price, and a full business acquisition including the companies, IP, trademark and brand is open to offers.

From December 2024 to May 2026 the platform operated commercially in Europe as a consumer neobank, reaching 300,000+ app installs across 85+ countries, ~60,000 issued cards, IBANs and wallets, $150m+ in processed volume and ~$1m in revenue from transactional fees alone. These figures reflect the historical operating period, not current activity. The team has since moved to a B2B model.

The core was built in-house, including core banking, a double-entry ledger, KYC/AML, anti-fraud, custody, exchange, cards and IBANs, with 30+ provider integrations built as replaceable adapters. It has passed independent penetration and load testing, and an independent software valuation was completed in May 2024.

  • Non-exclusive licence (from $2,000,000): full source code with the right to use, customise and rebrand.
  • Resale or sublicensing by separate agreement.
  • Exclusive licence (price on request): territory or sector exclusivity, agreed per deal.
  • Full business acquisition (open to offers): three entities, including a holding company, a dedicated IP company holding the platform IP and trademark in a 0% tax jurisdiction, and an EU-incorporated company, plus the platform, brand, domains, apps and documentation. No licences have been issued to date, and any licence issued before a sale remains in force.

No regulatory authorisation or provider contracts transfer. A submission-ready CASP application package is included with the acquisition and available to licensees by agreement. Financials, entity details and identity are disclosed under NDA.

Growth
  • Launch in months instead of the 18 to 36 months a comparable build takes from scratch
  • Add a consumer product on top of an existing EMI, PI, PSP or CASP licence
  • Annual ARPU of approximately $650 per active user from transactional fees alone, with savings, lending, travel and subscriptions never activated
  • Traction reached on ~$15k per month in marketing, so paid acquisition is largely untested at scale
  • Deploy in underserved markets such as the UAE, LATAM and Africa, where few crypto-fiat neobanks operate
  • Replaceable provider adapters let a buyer route on cost and avoid single-vendor dependence
  • Modular enough for embedded finance, wealth or multi-currency products without the full consumer app
  • CASP application package gives a head start on the buyer's own authorisation
Key Assets
  • Full platform source code
  • Native iOS and Android apps built in Flutter
  • Admin and back-office portal with role-based access
  • Core banking service and immutable double-entry ledger
  • BPM engine running 50+ automated workflows
  • KYC, AML, KYT and sanctions screening
  • Proprietary real-time anti-fraud engine
  • Crypto custody and fiat-crypto exchange engine
  • Card issuing, IBAN and SEPA modules with Apple Pay and Google Pay
  • Configurable fees, limits and tariffs without a code release
  • Reporting and reconciliation suite
  • 30+ provider integrations as replaceable adapters
  • Full technical, API, accounting and process documentation
  • Submission-ready CASP application package
  • Independent software valuation (May 2024)
  • Full acquisition only: three entities (holding company, IP company in a 0% tax jurisdiction, EU-incorporated company), IP and trademark, brand, domains, socials and published apps
Ideal Buyer

Licensed financial, payments or crypto businesses that want a production-tested platform with full source code and control over their own infrastructure.

  • Licensed institutions in underserved markets, such as a VARA-licensed business in Dubai or licensed operators in LATAM and Africa launching a neobank
  • EMIs, PIs and PSPs with a B2B base and a consumer product on the roadmap
  • CASP and VASP operators adding retail accounts, cards, IBANs and on/off ramps under their own brand
  • Exchanges and crypto platforms adding fiat rails, card issuing and SEPA without a white-label vendor
  • Embedded finance, wealth and multi-currency platforms using selected modules
  • Infrastructure and white-label providers looking at a full acquisition or separately agreed resale rights
  • Businesses mainly interested in the compliance and CASP documentation package for their own licensing
Selling Reason

The team has moved from operating its own consumer neobank to a B2B model and is making the production-proven platform available to licensed operators positioned to deploy and scale it in their own markets.

Ready to Move Forward?

Submit an offer or reach out to discuss this opportunity directly with our team.

Project Manager
Harrison Frye
Co-Founder and Head of M&A
Contact