Neobanks are redefining digital finance, with crypto integrations turning into more and more necessary in assembly buyer demand. To construct a crypto-ready neobank, you want strong APIs. Moralis provides a robust API suite that can assist you launch a platform that options correct crypto costs, detailed token analytics, in-depth pockets insights, real-time alerts, and extra. Energy your neobank with Moralis and provides customers the entire banking expertise they deserve!
To kick issues off, we’ll dive into a fast code instance displaying how straightforward it’s to construct crypto options with Moralis. With one API name, you will get portfolio knowledge for any pockets:
import fetch from ‘node-fetch’;
const choices = {
technique: ‘GET’,
headers: {
settle for: ‘utility/json’,
‘X-API-Key’: ‘YOUR_API_KEY’
},
};
fetch(‘https://deep-index.moralis.io/api/v2.2/wallets/0xcB1C1FdE09f811B294172696404e88E658659905/tokens?chain=eth’, choices)
.then(response => response.json())
.then(response => console.log(response))
.catch(err => console.error(err));
The endpoint above returns a pockets’s token balances, enriched with costs, worth adjustments over time, portfolio percentages, logos, and extra. Right here’s a pattern response:
{
//…
end result: [
{
token_address: ‘0xae7ab96520de3a18e5e111b5eaab095312d7fe84’,
symbol: ‘stETH’,
name: ‘Liquid staked Ether 2.0’,
logo: ‘https://logo.moralis.io/0x1_0xae7ab96520de3a18e5e111b5eaab095312d7fe84_cd0f5053ccb543e08f65554bf642d751.png’,
thumbnail: ‘https://logo.moralis.io/0x1_0xae7ab96520de3a18e5e111b5eaab095312d7fe84_cd0f5053ccb543e08f65554bf642d751.png’,
decimals: 18,
balance: ‘1’,
possible_spam: false,
verified_contract: true,
total_supply: ‘9397922583152920915482411’,
total_supply_formatted: ‘9397922.583152920915482411’,
percentage_relative_to_total_supply: 0,
security_score: 94,
balance_formatted: ‘0.000000000000000001’,
usd_price: 2310.478869260248,
usd_price_24hr_percent_change: -3.361417378353862,
usd_price_24hr_usd_change: -80.36628448761167,
usd_value: 2.310478869260248e-15,
usd_value_24hr_usd_change: -8.036628448761161e-17,
native_token: false,
portfolio_percentage: 2.2603434706955337e-15
},
//…
]
}
With a single request, Moralis enables you to construct highly effective options like portfolio views. And the perfect half? The above instance solely scratches the floor of how straightforward it’s to combine crypto knowledge into your neobank.
To study extra, be part of us in at present’s information as we dive deeper into the method of constructing a neobank and discover Moralis additional. Optionally, if you happen to’d prefer to attempt our APIs instantly, you may join a free account utilizing the button under.
Overview
The monetary panorama has modified rapidly in recent times, which is the results of technological developments and shifting buyer preferences. Main this cost are neobanks, reshaping how folks handle their funds by providing modern options, low prices, and intuitive consumer experiences. With hundreds of thousands adopting digital-first banking, there’s by no means been a greater time to construct your personal.
Moreover, a key development rising on this area is crypto, as customers need to entry each their fiat and digital property – multi function place. As such, to remain aggressive, you want to add crypto options to your platform.
So, how do you construct a crypto neobank?
On this article, we’ll provide you with an outline of key steps and clarify tips on how to combine crypto performance into your neobank. Let’s dive straight into it!
What are Neobanks?
Neobanks are monetary firms that provide companies akin to checking accounts, loans, and fee options by digital platforms solely. They’re designed for simplicity and accessibility, giving customers the instruments to completely handle all their funds on-line with out the necessity for bodily branches.
Let’s dive into some key advantages of neobanks:
Intuitive Design: Person-friendly interfaces facilitate a seamless digital banking expertise for purchasers.
Globally Accessible: Neobanks can be found to anybody with an web connection.
Modern Instruments & Options: Actual-time budgeting instruments, digital bank cards, crypto integrations, and extra are examples of modern options neobanks present.
Low Charges & Aggressive Charges: Digital-only operations end in decrease prices, enabling decreased charges and higher charges for customers.
24/7 Banking: Neobanks enable customers to entry and handle their funds anytime, anyplace by internet and cellular purposes.
All in all, neobanks are digital-only monetary firms that provide customers a extra versatile and accessible banking expertise.
How one can Construct a Neobank – Key Steps & Issues
Let’s dive into an outline of key steps and issues when constructing a neobank – from validating your thought to scaling your platform post-launch:
Market Analysis
Purchase Licenses
Rent a Improvement Workforce
Design Your Challenge
Construct a Safe App
Check the App
Deploy, Keep, & Scale
Let’s break down every step in separate sections!
Step 1: Market Analysis
Earlier than you construct a neobank, you want to analysis the present market. An excellent place to begin is to establish gaps, outline your viewers, and research the actions of rivals. This step can guarantee your undertaking has a function and aggressive benefit, permitting you to safe a robust, long-term place out there.
Step 2: Purchase Licenses
To run a neobank, you want to acquire the required licenses within the nation the place you intend to function. This may guarantee full compliance with laws, providing you with the authorized proper to supply banking companies. Key issues embrace securing partnerships if a banking license is out of attain, adhering to AML and KYC laws, and making certain knowledge privateness compliance with, for example, GDPR. Right here, it’s useful to seek the advice of authorized consultants early to make this as clean as doable.
Step 3: Rent a Improvement Workforce
A strong group of builders is vital when constructing your neobank. You possibly can both rent in-house expertise for full management and alignment along with your imaginative and prescient or companion with a longtime software program improvement agency to save lots of time and scale back prices. Select the choice that most closely fits your funds, timeline, and long-term targets.
Step 4: Design Your Challenge
Design your neobank with the consumer on the heart. Give attention to straightforward navigation, intuitive options, and a clear interface that meets consumer wants. Additionally, a neobank wants a robust model identification, which means you could select colour palettes, emblem designs, and so on., that resonate along with your target market. Sturdy UX and UI design have a direct impression on engagement, retention, and general success, making this a important a part of your platform.
Step 5: Construct a Safe App
When planning to begin constructing your neobank, choosing the proper tech stack is important. As an illustration, frameworks like React Native are nice for constructing cellular apps, and Node.js is a well-liked alternative for dealing with backend companies.
Along with this, contemplate integrating APIs from trusted suppliers to deal with issues like transfers, funds, account administration, crypto performance, and so on. This may also help you construct quicker and extra effectively. Nonetheless, all of this will depend on your targets, assets, and improvement group.
Step 6: Check the App
After constructing the app, you want to check your neobank to make sure that it really works with no issues. Give attention to high quality assurance (QA), unit exams, integration exams, end-to-end exams, safety testing, and so on. You’ll need to discover vulnerabilities early to take care of consumer belief and guarantee a seamless launch.
Step 7: Deploy, Keep, & Scale
When you’re completely happy along with your undertaking, it’s time to launch the neobank and make it available to the general public. After deploying the neobank, you additionally want to watch the app carefully to verify every little thing works as supposed. Observe efficiency, look out for points, and guarantee it may well deal with consumer visitors with out hiccups.
The Rise of Crypto in Digital Banking
From market analysis to launch, these are the important steps you want to observe to construct a neobank. Nonetheless, in at present’s monetary panorama, providing solely conventional banking companies shouldn’t be sufficient. Customers anticipate full management of all their fiat and crypto property – multi function handy platform.
The rise of crypto has considerably modified consumer habits, as prospects need to view, handle, and work together with their crypto holdings simply as simply as their financial institution accounts. As such, neobanks that don’t provide crypto options danger falling behind as prospects will find yourself in search of crypto-compatible options. Which means that including crypto performance is now not a ”good to have” – it’s rapidly turning into a key expectation.
That is the place Moralis takes the stage. As a substitute of spending months constructing advanced blockchain options from scratch, you may leverage Moralis’ APIs to immediately ship real-time costs, pockets knowledge, token balances, transaction histories, and extra – all with minimal improvement effort. Let’s dive deeper into how Moralis can unlock the crypto world on your neobank.
Construct a Crypto Neobank with Moralis
Moralis is a number one crypto knowledge supplier that provides a variety of use-case-specific APIs and RPC nodes. With these top-tier instruments, you may simply combine every little thing from pockets balances to real-time costs with only a single line of code. Construct modern options on your neobank to spice up engagement, enhance retention, and entice a brand new viewers of crypto fanatics with minimal effort.
Right here’s why firms select Moralis as their crypto neobank API supplier:
Extra Information. Fewer Calls: With outcome-oriented APIs, you get extra knowledge with fewer calls. Construct complete portfolio views, detailed transaction timelines, and rather more – all with single endpoints.
Cross-Chain Compatibility: Moralis helps all main chains, together with Solana, Ethereum, BNB Sensible Chain (BSC), Polygon, and lots of extra. Use one unified toolkit to construct cross-chain crypto options on your neobank platform.
World-Class Safety & Reliability: Moralis is SOC 2 Sort 2 licensed, highlighting our dedication to sustaining world-class reliability and safety throughout all instruments and options.
Now that you’ve an outline, let’s dive into Moralis’ suite of industry-leading improvement instruments to see how one can construct crypto neobank options with out breaking a sweat!
Exploring Moralis’ Web3 APIs
In Moralis’ Web3 API suite, you’ll discover many interfaces that streamline the method of integrating on-chain knowledge into neobanks and different platforms. Listed below are 4 key APIs we’ll discover additional in at present’s information:
Pockets API
Token API
NFT API
Moralis Streams
If you wish to discover all our instruments, please go to our Web3 API web page!
Pockets API: Fetch a Pockets’s Balances, Historical past, & DeFi Positions
With the Pockets API, you may seamlessly fetch any pockets’s full historical past, profitability, token balances, and extra with a single line of code. Use this world-class software to supercharge your neobank with decoded transaction timelines, detailed portfolio views, and different related options.
Let’s dive into some Pockets API endpoints:
/wallets/:deal with/historical past: Fetch a pockets’s decoded historical past, together with swaps, NFT transfers, good contract interactions, and so on.
/wallets/:deal with/tokens: Get any pockets’s token balances with costs.
/wallets/:deal with/approvals: Fetch lively token approvals for any pockets deal with.
/wallets/:deal with/defi/positions: Question any pockets’s DeFi positions.
/wallets/:deal with/net-worth: Get the whole web price of a pockets, together with particular person breakdowns for every blockchain community.
To indicate you the accessibility of this software, let’s take a look at how straightforward it’s to fetch a pockets’s decoded historical past. Right here’s a pattern script:
import fetch from ‘node-fetch’;
const choices = {
technique: ‘GET’,
headers: {
settle for: ‘utility/json’,
‘X-API-Key’: ‘YOUR_API_KEY’
},
};
fetch(‘https://deep-index.moralis.io/api/v2.2/wallets/0xda74Ac6b69Ff4f1B6796cdDf61fBDd4A5f68525f/historical past?chain=eth’, choices)
.then(response => response.json())
.then(response => console.log(response))
.catch(err => console.error(err));
Operating the script above will present a response displaying the pockets’s full historical past, enriched with occasion summaries, transaction classes, human-readable deal with labels, and rather more. With the Pockets API, you get totally decoded knowledge straight out of the field:
{
//…
“end result”: [
{
“hash”: “0xe153a83ec0e392d4edbccf196ca9ac6cd76d3e332ef3d4ee935dbabfb1386861”,
“nonce”: “2123343”,
“transaction_index”: “52”,
“from_address_entity”: null,
“from_address_entity_logo”: null,
“from_address”: “0x7830c87c02e56aff27fa8ab1241711331fa86f43”,
“from_address_label”: null,
“to_address_entity”: “Coinbase”,
“to_address_entity_logo”: “https://entities-logos.s3.us-east-1.amazonaws.com/coinbase.png”,
“to_address”: “0xa9d1e08c7793af67e9d92fe308d5697fb81d3e43”,
“to_address_label”: “Coinbase: Hot Wallet”,
“value”: “0”,
“gas”: “2000000”,
“gas_price”: “2567061474”,
“receipt_cumulative_gas_used”: “3895360”,
“receipt_gas_used”: “211982”,
“receipt_contract_address”: null,
“receipt_status”: “1”,
“block_timestamp”: “2025-02-07T16:54:11.000Z”,
“block_number”: “21795951”,
“block_hash”: “0x22de8b12221a7901519ec150466737257519b15403419c0c316f465555c2e205”,
“transaction_fee”: “0.000544170825381468”,
“method_label”: null,
“nft_transfers”: [],
“erc20_transfers”: [],
“native_transfers”: [
{
“from_address_entity”: “Coinbase”,
“from_address_entity_logo”: “https://entities-logos.s3.us-east-1.amazonaws.com/coinbase.png”,
“from_address”: “0xa9d1e08c7793af67e9d92fe308d5697fb81d3e43”,
“from_address_label”: “Coinbase: Hot Wallet”,
“to_address_entity”: null,
“to_address_entity_logo”: null,
“to_address”: “0xcb1c1fde09f811b294172696404e88e658659905”,
“to_address_label”: “reubenrjs.eth”,
“value”: “300000000000000000”,
“value_formatted”: “0.3”,
“direction”: “receive”,
“internal_transaction”: true,
“token_symbol”: “ETH”,
“token_logo”: “https://cdn.moralis.io/eth/0x.png”
}
],
“abstract”: “Acquired 0.3 ETH from Coinbase: Scorching Pockets”,
“possible_spam”: false,
“class”: “obtain”
},
//…
]
}
To study extra about this top-tier software, please examine the official Pockets API documentation web page!
Token API: Get Correct Costs, OHLCV Candlesticks, & Pairs
The Token API enables you to get token balances, costs, OHLCV knowledge, approvals, homeowners, and rather more with minimal effort. Use this best-in-class interface to construct token analytics instruments, interactive worth charts, and related options on your neobank.
Listed below are some key endpoints of the Token API:
/erc20/:deal with/worth: Question any token’s real-time worth.
/erc20/:deal with/swaps: Get all swap-related transactions for a token.
/erc20/:token_address/pairs: Fetch all supported pairs of a token.
/erc20/:token_address/homeowners: Get an inventory of a token’s holders.
/pairs/:deal with/snipers: Question all snipers for any pair deal with.
/pairs/:deal with/ohlcv: Fetch OHLCV candlestick knowledge for a given pair deal with.
To demo the facility of the Token API, we’ll now present you the way straightforward it’s to fetch real-time costs. Right here’s an instance of what it may well seem like:
import fetch from ‘node-fetch’;
const choices = {
technique: ‘GET’,
headers: {
settle for: ‘utility/json’,
‘X-API-Key’: ‘YOUR_API_KEY’
},
};
fetch(‘https://deep-index.moralis.io/api/v2.2/erc20/0x7d1afa7b718fb893db30a3abc0cfc608aacfebb0/worth?chain=eth&embrace=percent_change’, choices)
.then(response => response.json())
.then(response => console.log(response))
.catch(err => console.error(err));
In return for calling the endpoint above, you’ll get the value of the required token denominated in each USD and the chain’s native cryptocurrency. Moreover, the response is enriched with worth adjustments over time, spam indicators, and rather more:
{
tokenName: ‘Matic Token’,
tokenSymbol: ‘MATIC’,
tokenLogo: ‘https://emblem.moralis.io/0x1_0x7d1afa7b718fb893db30a3abc0cfc608aacfebb0_89c931b3fcf74fe39db7a195bf8a3aa5.png’,
tokenDecimals: ’18’,
nativePrice: {
worth: ‘120155125729897’,
decimals: 18,
title: ‘Ether’,
image: ‘ETH’,
deal with: ‘0xc02aaa39b223fe8d0a0e5c4f27ead9083c756cc2’
},
usdPrice: 0.2781797175413043,
usdPriceFormatted: ‘0.278179717541304328’,
exchangeName: ‘Uniswap v2’,
exchangeAddress: ‘0x5C69bEe701ef814a2B6a3EDD4B1652CB9cc5aA6f’,
tokenAddress: ‘0x7d1afa7b718fb893db30a3abc0cfc608aacfebb0’,
priceLastChangedAtBlock: ‘21939226’,
blockTimestamp: ‘1740678023000’,
possibleSpam: false,
verifiedContract: true,
pairAddress: ‘0x819f3450da6f110ba6ea52195b3beafa246062de’,
pairTotalLiquidityUsd: ‘465303.06’,
’24hrPercentChange’: ‘1.2687099195220788’,
securityScore: 55
}
Try the Token API documentation web page to study extra about this software!
NFT API: Question NFT Metadata, Costs, & Transfers
The NFT API is an industry-leading software for fetching NFT-related knowledge from the Solana community and all main EVM chains. With a single line of code, you will get NFT costs, transfers, metadata, and rather more. Use the NFT API to construct NFT-Fi analytics instruments, enrich your portfolio views with NFTs, and extra.
Let’s discover just a few distinguished NFT API endpoints:
/:deal with/nft: Fetch any pockets’s full NFT stability.
/nft/:deal with/:token_id: Question the metadata of any NFT.
/:deal with/nft/transfers: Get all NFT transfers of a pockets.
/:deal with/nft/collections: Fetch all NFT collections owned by a pockets deal with.
/nft/:deal with/:token_id/floor-price: Question the ground worth of any NFT.
To focus on the accessibility of this premier software, let’s take a look at an instance of how you should use the NFT API to get flooring costs. Right here’s a pattern script:
import fetch from ‘node-fetch’;
const choices = {
technique: ‘GET’,
headers: {
settle for: ‘utility/json’,
‘X-API-Key’: ‘YOUR_API_KEY’
},
};
fetch(‘https://deep-index.moralis.io/api/v2.2/nft/0xbd3531da5cf5857e7cfaa92426877b022e612cf8/4307/floor-price?chain=eth’, choices)
.then(response => response.json())
.then(response => console.log(response))
.catch(err => console.error(err));
Calling the endpoint above gives you the ground worth of the required NFT, denominated in each the chain’s native forex and USD:
{
deal with: ‘0xbd3531da5cf5857e7cfaa92426877b022e612cf8’,
token_id: ‘4307’,
floor_price: ‘9.444’,
floor_price_usd: ‘21965.365’,
forex: ‘eth’,
market: {
title: ‘blur’,
emblem: ‘https://cdn.moralis.io/marketplaces/blur.png’
},
last_updated: ‘2025-02-27T18:03:39.601Z’
}
To study extra about this software’s different endpoints and options, please go to the NFT API documentation web page!
Moralis Streams: Set Up Actual-Time Web3 Information Pipelines
With Moralis Streams, you may simply construct Web3 knowledge pipelines on your neobank. These pipelines gives you immediate, totally customizable updates as quickly as one thing necessary occurs on-chain. As such, this premier software permits you to arrange real-time alerts, populate databases, and extra.
Let’s take a look at some distinguished advantages of Moralis Streams:
Totally Cross-Chain: Moralis Streams helps over 20 chains, together with Ethereum, BSC, Polygon, and so on.
Full Information Protection: With assist for every type of information sources, you should use Moralis Streams to watch any occasion, pockets, or good contract.
100% Supply Ensures: Expertise 100% supply ensures, which means no knowledge is misplaced even when your app experiences downtime.
Extremely Dynamic: Moralis Streams is the {industry}’s most dynamic and customizable software for real-time knowledge. Arrange pipelines for any customized use case you may think about.
Constructed to Scale: Moralis Streams provides unmatched scalability, permitting you to watch one to 100+ million addresses with one single pipeline.
To study extra about how this premier software works, try our Web3 knowledge pipelines information or discover the Streams API documentation web page!
Abstract: How one can Construct a Crypto Neobank
The perfect and best option to construct a crypto-ready neobank is to leverage a knowledge supplier like Moralis. With our top-tier crypto neobank API and RPC nodes, you may combine crypto options into your neobank with out breaking a sweat!
Listed below are some key instruments you’ll seemingly discover useful in your improvement endeavors:
Pockets API: Fetch any pockets’s historical past, DeFi positions, web price, profitability, and extra.
Token API: Get real-time token costs, swaps, holders, snipers, pairs, and so on.
NFT API: Question metadata, transfers, homeowners, costs, and extra for any NFT.
Moralis Streams: Arrange Web3 knowledge pipelines to watch on-chain occasions in real-time.
With the APIs above, you may construct every little thing from complete portfolio views to integrating real-time alerts into your neobank with minimal improvement effort!
So, if you wish to construct a neobank, join your free Moralis account at present!
