Launching a digital bank in 2025 requires more than just APIs — it often demands a technology partner that can adapt, build, and iterate alongside your business. While many BaaS and white-label providers offer off-the-shelf products, only a few combine infrastructure with dedicated software development services. These companies allow you to go beyond basic configuration and truly own the product experience.
Below we present the top white label neo banking platforms that also write code, enabling fully customized digital banking products tailored to your audience and roadmap.
1. Finhost
Modular Core Banking + Custom Development Support
Finhost delivers a white-label digital banking platform with pre-built modules for IBAN issuing, wallets (fiat + crypto), SEPA/SWIFT, cards, and KYC automation — but also supports custom software development on top of its infrastructure. Whether it’s frontend UI/UX, additional API endpoints, third-party integrations, or feature-level customizations, Finhost’s team offers technical support beyond the platform itself.
Ideal for startups and SaaS platforms that want to go live fast but still need control over product evolution.
2. Mbanq
End-to-End Banking-as-a-Service + Tech Team
Mbanq goes beyond BaaS by offering a complete “bank-in-a-box” model, including software development, compliance, customer support, and even core operations. They work with clients on product design, frontend/backend development, and integration with their licensed infrastructure.
Ideal for companies entering banking for the first time and needing full-cycle support.
3. Velmie
Customizable Banking Stack with Dedicated Development
Velmie provides a white-label core banking system with a strong focus on custom-built digital wallet and banking apps. Their modular platform is supported by in-house development teams that offer everything from mobile app creation to enterprise backend customization.
Great for projects where mobile-first experience and scalability are top priorities.
4. SDK.finance
Core Banking + Custom Fintech Development
SDK.finance offers a fintech backend platform that includes wallets, transactions, analytics, and user management. Their model emphasizes on-premise deployment and source code access, plus optional development services for further feature expansion or integration.
Best for fintechs that want long-term flexibility and partial code ownership.
5. Crassula
White Label Banking & Crypto with Dev Customization
Crassula specializes in crypto-friendly white-label banking infrastructure, with customizable frontends, KYC modules, payment gateways, and exchange integrations. They provide technical teams to help partners with tailored product development and integration workflows.
Best suited for projects in the crypto/fiat hybrid space.
If your goal is to launch a customizable, branded, and scalable digital banking product, partnering with a platform that writes code is essential. These five providers combine robust white-label infrastructure with in-house software development services, giving you the flexibility of a tech team without building one from scratch.
Platforms like Finhost are especially well-suited for companies that want speed and control — offering not only infrastructure, but also the engineering capacity to turn your product vision into reality.