Neobank App Development - How to Build a Web3 Neobank

The demand for crypto-related providers is rising, which is why Web3 APIs at the moment are important for neobank app improvement. With Moralis’ API suite, you possibly can simply supercharge your neobank with full crypto help. Combine real-time costs, up-to-date pockets insights, token analytics, NFT monitoring, and extra with only a single API name. Construct smarter, ship quicker, and ship the next-gen banking expertise customers deserve!

To start, we’ll take a look at a short code instance that showcases the accessibility and energy of Moralis’ APIs. Right here’s how simple it’s to get a pockets’s absolutely decoded transaction historical past:

import fetch from ‘node-fetch’;

const choices = {
technique: ‘GET’,
headers: {
settle for: ‘software/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));

Calling the endpoint above provides you an in depth transaction timeline, full with occasion summaries, deal with labels, class tags, and extra. Get human-readable 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”: “Obtained 0.3 ETH from Coinbase: Sizzling Pockets”,
“possible_spam”: false,
“class”: “obtain”
},
//…
]
}

With Moralis, you solely want a single endpoint to construct highly effective options – reminiscent of detailed transaction timelines – on your Web3 neobank!

To study extra about different endpoints and advantages, be a part of us as we dive deeper into Moralis’ neobank API. Or, when you’re keen to start out constructing, get your API key without spending a dime utilizing the button under!

Overview

An increasing number of individuals are stepping into crypto, and so they’re now anticipating banking apps that deal with each fiat and crypto, multi function place. For neobanks, it is a huge alternative to face out. Nevertheless, constructing crypto help from scratch is each tedious and time-consuming. Happily, that’s the place Web3 APIs are available. With the correct instruments, you possibly can keep away from all of the heavy lifting and streamline the in any other case advanced Web3 neobank app improvement course of.

However which is the most effective neobank API? And how will you use it to construct your personal mission?

In at present’s information, we cowl the general steps for constructing a neobank and introduce you to the industry-leading Web3 API supplier. Let’s dive straight in!

What’s a Neobank?

A neobank is a financial institution that solely operates on-line, offering standard providers like loans, funds, checking accounts, and extra by way of an software or web site. With intuitive interfaces, round the clock entry, and progressive options, neobanks usually attraction to customers in search of flexibility and accessibility of their banking expertise.

Listed below are some key advantages of utilizing a neobank:

Intuitive Design: Neobanks usually function intuitive interfaces, guaranteeing a easy and seamless expertise for all customers.

Low Charges & Excessive Charges: With out bodily branches, neobanks are capable of cost decrease charges and provide extra aggressive rates of interest in comparison with conventional banks.

Modern Options: Neobanks usually function progressive instruments, reminiscent of crypto integrations, digital bank cards, and real-time budgeting instruments.

International Accessibility: Anybody with a pc and entry to the web can use neobanks, which suggests they’re good for reaching unbanked populations.

24/7 Entry: Neobanks give customers the flexibility to handle their funds across the clock.

Briefly, neobanks are digital-only monetary establishments that provide a extra handy and versatile banking expertise!

Neobank App Growth: Steps & Issues When Constructing a Web3 Neobank

Let’s briefly cowl key steps and concerns of neobank app improvement, from market analysis to constructing and sustaining your mission:

Market Analysis: Research the competitors, determine gaps available in the market, and outline your audience. By doing so, you give your mission a transparent objective and benefit, guaranteeing that it has a strong, long-term place within the house.

Licenses & Rules: To run a neobank, you want the correct licenses. Right here, it’s good to usher in authorized specialists early, as they may also help you navigate rules, deal with paperwork, and so on.

Rent Builders: Assemble a strong crew of competent builders by both outsourcing or hiring in-house expertise.

Design Your Financial institution: Design your neobank with the consumer on the heart. Prioritize simple navigation, a clear interface, and options that meet their calls for.

Construct the Challenge: When constructing your Web3 neobank, it’s essential to select the suitable tech stack. Choose correct frameworks, reliable API suppliers, and so on., that align together with your crew’s experience and long-term objectives.

Take a look at the App: After constructing your web site or software, you want to take a look at it totally. Concentrate on unit exams, integration exams, end-to-end exams, high quality assurance, and so on., to make sure that your mission works as meant.

Deploy & Preserve: When every thing works, you want to launch your web site or software. Additionally, after deploying your neobank, it’s important to carefully monitor it to make sure every thing runs easily.

Text: "Steps & Considerations When Building a Web3 Neobank"

For a extra detailed breakdown of the steps above, please take a look at our information on methods to construct a neobank!

Why Neobanks Must Embrace Crypto

The rising curiosity in crypto is altering the monetary panorama. It’s now not an choice to solely provide conventional banking providers, as customers anticipate full management of each their fiat and crypto belongings – multi function place.

To satisfy rising demand, neobanks are quickly including crypto help. And it’s not solely a good way to face out available in the market, however it additionally unlocks different revenue streams by way of buying and selling charges, unfold margins, and options reminiscent of staking. As such, having crypto help is shortly going from a ”nice-to-have” to a necessity for staying aggressive.

That’s the place Moralis for Builders takes the stage. As an alternative of constructing Web3 infrastructure from scratch, you should use Moralis’ APIs to immediately entry real-time token costs, pockets balances, transaction historical past, and extra with only a single request.

To study extra about this, be a part of us under as we discover Moralis additional and present you methods to construct a Web3 neobank with ease!

Construct a Web3 Neobank with Moralis for Builders

Moralis for Builders is the {industry}’s main crypto knowledge supplier, that includes top-tier Web3 APIs and next-generation RPC nodes designed to make on-chain knowledge integration a breeze. Get a pockets’s decoded historical past, question token balances, combine real-time costs, and far more with solely a single API name. Enrich your neobank with world-class Web3 options with out breaking a sweat!

Right here’s a fast overview of why builders select Moralis as their neobank API supplier:

Cross-Chain Help: With help for all main blockchain networks, together with Solana, Ethereum, BNB Sensible Chain (BSC), Optimism, Base, and extra, you possibly can construct cross-chain suitable crypto options on your neobank utilizing one single unified toolkit.

Complete APIs: Moralis’ APIs and RPC nodes are outcome-oriented, supplying you with extra knowledge with fewer requests. Construct detailed transaction timelines, complete portfolio views, and different crucial options – all with single endpoints.

Enterprise-Grade Safety: Moralis holds a SOC 2 Sort 2 certificates, highlighting our dedication to sustaining enterprise-grade safety and reliability throughout all instruments and options.

With an summary, let’s dive into our suite of improvement instruments and present you ways simple it’s to construct a Web3 neobank when working with Moralis!

Exploring APIs for Neobank App Growth

In Moralis’ suite of Web3 APIs, you’ll discover many distinguished interfaces. Sadly, we received’t have the ability to cowl all of them on this tutorial. As an alternative, we’ll concentrate on the next three, that are nice for Web3 neobank app improvement:

Pockets API

Token API

NFT API

For those who’d wish to discover all obtainable interfaces, please go to the Web3 API web page.

Pockets API: Get a Pockets’s Token Balances, Internet Value, & Transaction Historical past

The Pockets API makes integrating wallet-related knowledge from all main chains into your neobank a breeze. Get a pockets’s absolutely decoded historical past, token balances with costs, internet price, profitability, DeFi positions, and far more with only a single API name. Use this premier software to construct every thing from complete portfolio views to detailed transaction timelines with out breaking a sweat.

Listed below are just a few endpoints you’ll discover significantly helpful for Web3 neobank app improvement:

/wallets/:deal with/net-worth: Question the web price of a pockets, together with particular person breakdowns for all supported chains.

/wallets/:deal with/profitability/abstract: Get the whole profitability of a pockets.

/wallets/:deal with/defi/positions: Question a pockets’s DeFi positions.

/wallets/:deal with/tokens: Get a pockets’s token balances with real-time costs.

/wallets/:deal with/historical past: Fetch a pockets’s absolutely decoded transaction historical past.

To indicate you the facility of the Pockets API, let’s take a better take a look at how you should use this software to get a pockets’s portfolio knowledge. Right here’s a pattern script:

import fetch from ‘node-fetch’;

const choices = {
technique: ‘GET’,
headers: {
settle for: ‘software/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));

Operating the code above offers you the desired pockets’s token balances, full with costs, worth modifications over time, logos, portfolio percentages, and extra. Right here’s what it could appear like:

{
//…
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
},
//…
]
}

Token API: Get Actual-Time Costs, Holders, & Pairs

With the Token API, you possibly can effortlessly get real-time costs, holders, pairs, OHLCV knowledge, and extra with only a single API request. Make the most of this world-class API to simply develop interactive candlestick charts, token analytics instruments, and different premium options on your Web3 neobank platform.

Listed below are some key Token API endpoints you’ll doubtless discover useful:

/erc20/:deal with/worth: Fetch the real-time worth of any token denominated within the chain’s native forex and USD.

/erc20/:deal with/swaps: Question an inventory of all swap-related transactions for a token.

/erc20/:token_address/homeowners: Get an inventory of a token’s high holders.

/erc20/:token_address/pairs: Fetch all supported pairs of a token.

/pairs/:deal with/ohlcv: Get OHLCV candlestick knowledge for any pair deal with.

To focus on the accessibility of the Token API, we’ll now present you ways simple it’s to get the real-time worth of any token:

import fetch from ‘node-fetch’;

const choices = {
technique: ‘GET’,
headers: {
settle for: ‘software/json’,
‘X-API-Key’: ‘YOUR_API_KEY’
},
};

fetch(‘https://deep-index.moralis.io/api/v2.2/erc20/0x7d1afa7b718fb893db30a3abc0cfc608aacfebb0/worth?chain=eth&embody=percent_change’, choices)
.then(response => response.json())
.then(response => console.log(response))
.catch(err => console.error(err));

Calling the endpoint above will present the worth of the desired token, displayed in each USD and the native forex of the chain. Additionally, the response is full with worth modifications over time, logos, spam indicators, and different important knowledge:

{
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
}

NFT API: Get Balances, Metadata, & Flooring Costs

The NFT API is your go-to software for fetching NFT-related knowledge throughout Solana and all main EVM chains. Use this premier software to get NFT balances, metadata, flooring costs, transfers, and far more. With the NFT API, you possibly can effortlessly enrich your portfolio views with NFTs, construct NFT-Fi instruments, and far more.

Listed below are some endpoints you’ll discover helpful when constructing a Web3 neobank:

/:deal with/nft: Get the NFT steadiness of any pockets.

/:deal with/nft/transfers: Fetch all NFT transfers of a pockets.

/:deal with/nft/collections: Question the NFT collections owned by a pockets.

/nft/:deal with/:token_id/floor-price: Get the ground worth of an NFT.

/nft/:deal with/:token_id: Fetch the metadata of an NFT.

To focus on the facility of this premier software, we’ll now present you methods to get the metadata of any NFT. Right here’s a pattern script:

import fetch from ‘node-fetch’;

const choices = {
technique: ‘GET’,
headers: {
settle for: ‘software/json’,
‘X-API-Key’: ‘YOUR_API_KEY’
},
};

fetch(‘https://deep-index.moralis.io/api/v2.2/nft/0xbd3531da5cf5857e7cfaa92426877b022e612cf8/4307?chain=eth’, choices)
.then(response => response.json())
.then(response => console.log(response))
.catch(err => console.error(err));

Operating the endpoint above offers you the metadata of the desired NFT, enriched with rarity rankings, costs, and far more:

{
quantity: ‘1’,
token_id: ‘4307’,
token_address: ‘0xbd3531da5cf5857e7cfaa92426877b022e612cf8’,
contract_type: ‘ERC721’,
owner_of: ‘0xf9bce92da0d4b8253077a6851a32bbd059e2a5a4’,
last_metadata_sync: ‘2025-02-27T18:04:56.017Z’,
last_token_uri_sync: ‘2025-02-27T18:04:50.744Z’,
metadata: ‘{“attributes”:[{“trait_type”:”Background”,”value”:”Purple”},//…”}’,
block_number: ‘21935687’,
block_number_minted: ‘12878236’,
name: ‘PudgyPenguins’,
symbol: ‘PPG’,
token_hash: ‘ec0e59113005f6f5451527b8ddc2eb16’,
token_uri: ‘ipfs://bafybeibc5sgo2plmjkq2tzmhrn54bk3crhnc23zd2msg4ea7a4pxrkgfna/4307’,
minter_address: ‘0x5d9e720a1c16b98ab897165803c4d96e8060b8e4’,
rarity_rank: 644,
rarity_percentage: 7.25,
rarity_label: ‘Top 8%’,
verified_collection: true,
possible_spam: false,
collection_logo: ‘https://i.seadn.io/s/raw/files/cdf489fb69fd11886b468c0f7ff1376c.png?w=500&auto=format’,
collection_banner_image: ‘https://i.seadn.io/s/primary-drops/0xbd3531da5cf5857e7cfaa92426877b022e612cf8/809912:about:media:a21a43b4-972a-4d72-a651-3bea2c285683.jpeg?w=500&auto=format’,
floor_price: ‘9.444’,
floor_price_usd: ‘21965.365’,
floor_price_currency: ‘eth’
}

Check out Moralis’ Web3 documentation to learn more about the APIs above and other premier tools!

Common Web3 Features in Neobank App Development

There are numerous top-tier features you can build using Moralis’ neobank API. Here are four prominent use cases we’ll cover below:

Portfolio View

Price Charts

Transaction Timeline

Token Search

Let’s look at examples of these four use cases and cover the endpoints you need to build them!

Portfolio View

All neobanks require a comprehensive portfolio view, displaying users’ token holdings, net worth, profitability, DeFi positions, and more. This will give your users an overview of all their digital assets and their performance. Here’s an example of what it can look like:

To build a portfolio view like the one above, you need a few endpoints:

Token Balances: /wallets/:address/tokens

NFT Balances: /:address/nft

Net Worth: /wallets/:address/net-worth

Profitability: /wallets/:address/profitability/summary

DeFi Positions: /wallets/:address/defi/positions

In short, when using Moralis and our premier APIs, you gain seamless access to all the data needed to build comprehensive portfolio views for your Web3 neobank.

Price Charts

A useful feature for neobanks is interactive candlestick charts, which provide users with insight into both real-time and historical price data. That way, they can effortlessly analyze both short- and long-term trends to make more informed investment decisions. Here’s an example of what it can look like:

To build charts like this, you only need a single endpoint: /pairs/:address/ohlcv. This will return an array of timestamps that feature open, high, low, and close prices, along with swap and volume data. As such, with Moralis, you can power your candlestick charts using only a single API call.

Transaction Timeline

Neobanks can also benefit from detailed transaction timelines, giving users insight into their past actions. Here’s what it can look like:

The data you need to build a timeline like the one above comes from a single call to the /wallets/:address/history endpoint. This endpoint returns the fully decoded history of the specified wallet, including event summaries, address labels, category tags, and additional details.

One endpoint gives you everything you need to build an in-depth transaction timeline!

Token Search

A prominent feature that neobanks can benefit from is a fast, reliable token search. That way, it becomes possible for users to seamlessly find the tokens they’re looking for. Here’s an example of what it can look like:

Integrating token search functionality that provides verified results and supports partial matches is simple when working with Moralis. In fact, you only need one endpoint for this: /tokens/search. With this endpoint, you can effortlessly search for any token by name, symbol, address, or pair address.

To learn more about how this works, please check out the Token Search API!

Summary: Neobank App Development – How to Build a Web3 Neobank

The easiest way to build a Web3 neobank is to use Moralis – the industry’s leading crypto data provider. With our premier suite of Web3 APIs, you can now streamline neobank app development and build features like portfolio views, transaction timelines, price charts, and more with minimal development effort.