Solution: Neobank from Scratch

A worked walkthrough for a greenfield team building a crypto-native neobank from the ground up. Custodial wallets for end users, fiat on-ramp, merchant payment acceptance, and treasury operations — all running on KryptoGO infrastructure under our regulated entity.

The scenario

You are a founding team building a crypto-native neobank. You do not yet have:

• A regulated entity in your target market.
• A wallet infrastructure stack.
• A KYC and KYB stack.
• Card or fiat-rail integrations.
• A compliance team beyond the founders.

You have:

• A clear product hypothesis (often: stablecoin-denominated accounts for a specific user segment in a specific geography).
• A small engineering team (commonly 3–8 engineers).
• 6–18 months of funded runway to ship a v1.

The remainder of this page walks through how a partnership with KryptoGO would let you compress 18–24 months of regulated infrastructure work into a 3–6 month integration.

Recommended custody model: custodial Asset Pro for users, custodial Asset Pro for treasury

For a true neobank — where the bank holds and operates user accounts on the user’s behalf — the right answer is the custodial model on both sides. Your end users get accounts that look and feel like a traditional bank account; you operate them under your regulatory permissions; KryptoGO operates the underlying wallet infrastructure under our Taiwan VASP entity and ISO-certified controls.

This is different from the Consumer Fintech Bolt-On scenario. In that scenario, the partner already operates a non-crypto product and wants to add crypto without taking on full custody. In the neobank scenario, custody is the core product — your users specifically want you to hold and operate their assets.

For high-value treasury sign-off you may also pair custodial Asset Pro with hardware-assisted custody for designated Signers. See Custody Options.

Recommended auth model: your auth, our user provisioning

You build your own user authentication — email, phone, biometric, whatever your product requires. Each authenticated user maps to a custodial wallet that we provision the first time they fund their account. The mapping uses the same OAuth-2.0-style flow described in Architecture Overview.

User identity is anchored to your auth system. We maintain the wallet, the multi-sig key vault, and the on-chain interface.

Architecture, end to end

┌────────────────────────────────────────────────────────────────┐
│  Your neobank app (web + iOS + Android)                        │
│                                                                │
│   Your auth ──► Your user record ──► Studio API call           │
│                                            │                   │
│                                            ▼                   │
│              Provision custodial user wallet                   │
└────────────────────────────────────────────────────────────────┘
                               │
                               ▼
┌────────────────────────────────────────────────────────────────┐
│  KryptoGO platform                                             │
│                                                                │
│   Asset Pro custodial backend ──► Multi-sig key vault          │
│        │                                                       │
│        ▼                                                       │
│   Per-user wallets across supported chains                     │
│        │                                                       │
│        ├─► User-initiated send / receive (your UI)             │
│        ├─► Fiat on-ramp via partnered provider                 │
│        ├─► Fiat off-ramp via partnered settlement provider     │
│        └─► On-chain settlement                                 │
│                                                                │
│   KYC / KYB workflows ◄── Your compliance reviewers            │
│   AML and sanctions screening (inline, on every event)         │
│   Webhook callbacks ──► Your backend                           │
└────────────────────────────────────────────────────────────────┘

Your engineering team integrates the Studio API for wallet provisioning and transfers, embeds either the Mobile Wallet SDK or your own UI on top of our wallet endpoints, and operates the merchant-facing Studio control panel for compliance review and treasury operations.

What ships in under one month

For a small team, the under-one-month bucket covers the foundational integration:

• Studio organisation provisioning, with API key issued.
• Programmatic user-wallet provisioning per signed-up user.
• Stablecoin send and receive across the supported chain set.
• KYC integration via our Compliance suite, configured for your target markets.
• Studio operations console for your compliance reviewers.

What ships in one to three months

In the first quarter, you can additionally ship:

• Fiat on-ramp integrated into your app via Stripe (or another partnered provider, depending on geography).
• Merchant payment acceptance so your users can pay other users or external merchants in stablecoins.
• Asset Pro multi-sig treasury for the bank’s own operating wallets.
• AML and sanctions screening inline on user onboarding and on every flagged transaction.
• Webhook integration into your backend for transaction lifecycle, KYC status changes, and compliance events.
• Internal RBAC so your compliance, finance, and operations teams have appropriately scoped access.

What needs additional scoping

These items always require dedicated scoping conversation:

• Card issuance. Issuing physical or virtual cards backed by stablecoin balances is a separate workstream that depends on a card-network partnership in your jurisdiction.
• Lending and yield products. If your roadmap includes interest-bearing accounts or lending, that is a regulatory and product workstream beyond infrastructure.
• Custom asset coverage. If your hypothesis depends on a token or chain we do not currently support, we need to scope it before commitment.
• Cross-border Travel Rule. Domestic Travel Rule support is in place; cross-border depends on regulator alignment in your target jurisdictions.
• A fully white-labelled reseller portal, where you operate a Studio control panel under your brand for your own sub-merchants. The reseller architecture is in design.

Compliance posture inherited

A neobank built on our infrastructure inherits, on day one, a compliance posture that would otherwise take 18–24 months and a dedicated team to build:

• Taiwan VASP registration on the underlying custody operation.
• ISO 27001 (Information Security) and ISO 27701 (Privacy) certified controls.
• SOC 2 Type II examined operations.
• Cure53 independent security audit.
• Encrypted PII storage, multi-factor admin access, quarterly access reviews.
• KYC and KYB workflows powered by leading IDV providers under regulator-approved policies.
• Inline sanctions screening and AML risk scoring.

This is what makes the 3–6 month timeline credible. Your team is not building this from scratch — you are integrating it. Your own regulatory permissions in your target geography are still your responsibility; we supply the infrastructure layer beneath them.

A realistic 16-week timeline

Where to go next

• Custody Options — the underlying custody mechanics.
• Compliance & Certifications — the regulatory framework.
• White-Label Wallet — the wallet-specific use case.
• Team, Roles, API Keys & Risk Limits — for setting up Maker / Approver / Signer.
• To start a partnership conversation, contact our partnerships team via the address on www.kryptogo.tw .