Neobanks are redefining digital finance, with crypto integrations becoming increasingly important in meeting customer demand. To build a crypto-ready neobank, you need robust APIs. Moralis offers a powerful API suite to help you launch a platform that features accurate crypto prices, detailed token analytics, in-depth wallet insights, real-time alerts, and more. Power your neobank with Moralis and give users the complete banking experience they deserve!
To kick things off, we’ll dive into a quick code example showing how easy it is to build crypto features with Moralis. With one API call, you can get portfolio data for any wallet:
import fetch from 'node-fetch';
const options = {
method: 'GET',
headers: {
accept: 'application/json',
'X-API-Key': 'YOUR_API_KEY'
},
};
fetch('https://deep-index.moralis.io/api/v2.2/wallets/0xcB1C1FdE09f811B294172696404e88E658659905/tokens?chain=eth', options)
.then(response => response.json())
.then(response => console.log(response))
.catch(err => console.error(err));
The endpoint above returns a wallet’s token balances, enriched with prices, price changes over time, portfolio percentages, logos, and more. Here’s a sample response:
{
//...
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 lets you build powerful features like portfolio views. And the best part? The above example only scratches the surface of how easy it is to integrate crypto data into your neobank.
To learn more, join us in today’s guide as we dive deeper into the process of building a neobank and explore Moralis further. Optionally, if you’d like to try our APIs immediately, you can sign up for a free account using the button below.
Overview
The financial landscape has changed quickly in recent years, which is the result of technological developments and shifting customer preferences. Leading this charge are neobanks, reshaping how people manage their finances by offering innovative features, low costs, and intuitive user experiences. With millions adopting digital-first banking, there’s never been a better time to build your own.
Additionally, a key trend emerging in this space is crypto, as users want to access both their fiat and digital assets – all in one place. As such, to stay competitive, you need to add crypto features to your platform.
So, how do you build a crypto neobank?
In this article, we’ll give you an overview of key steps and explain how to integrate crypto functionality into your neobank. Let’s dive straight into it!
What are Neobanks?
Neobanks are financial companies that offer services such as checking accounts, loans, and payment solutions through digital platforms only. They are designed for simplicity and accessibility, giving users the tools to fully manage all their finances online without the need for physical branches.
Let’s dive into some key benefits of neobanks:
- Intuitive Design: User-friendly interfaces facilitate a seamless digital banking experience for customers.
- Globally Accessible: Neobanks are available to anyone with an internet connection.
- Innovative Tools & Features: Real-time budgeting tools, virtual credit cards, crypto integrations, and more are examples of innovative features neobanks provide.
- Low Fees & Competitive Rates: Digital-only operations result in lower costs, enabling reduced fees and better rates for users.
- 24/7 Banking: Neobanks allow users to access and manage their finances anytime, anywhere through web and mobile applications.
All in all, neobanks are digital-only financial companies that offer users a more flexible and accessible banking experience.
How to Build a Neobank – Key Steps & Considerations
Let’s dive into an overview of key steps and considerations when building a neobank – from validating your idea to scaling your platform post-launch:
- Market Research
- Acquire Licenses
- Hire a Development Team
- Design Your Project
- Build a Secure App
- Test the App
- Deploy, Maintain, & Scale
Let’s break down each step in separate sections!
Step 1: Market Research
Before you build a neobank, you need to research the current market. A good place to start is to identify gaps, define your audience, and study the actions of competitors. This step can ensure your project has a purpose and competitive advantage, allowing you to secure a strong, long-term position in the market.
Step 2: Acquire Licenses
To run a neobank, you need to obtain the required licenses in the country where you plan to operate. This will ensure full compliance with regulations, giving you the legal right to offer banking services. Key considerations include securing partnerships if a banking license is out of reach, adhering to AML and KYC regulations, and ensuring data privacy compliance with, for instance, GDPR. Here, it’s beneficial to consult legal experts early to make this as smooth as possible.
Step 3: Hire a Development Team
A solid team of developers is key when building your neobank. You can either hire in-house talent for complete control and alignment with your vision or partner with an established software development firm to save time and reduce costs. Choose the alternative that best fits your budget, timeline, and long-term goals.
Step 4: Design Your Project
Design your neobank with the user at the center. Focus on easy navigation, intuitive features, and a clean interface that meets user needs. Also, a neobank needs a strong brand identity, meaning you must choose color palettes, logo designs, etc., that resonate with your target audience. Strong UX and UI design have a direct impact on engagement, retention, and overall success, making this a critical part of your platform.
Step 5: Build a Secure App
When planning to start building your neobank, choosing the right tech stack is critical. For instance, frameworks like React Native are great for building mobile apps, and Node.js is a popular choice for handling backend services.
In addition to this, consider integrating APIs from trusted providers to handle things like transfers, payments, account management, crypto functionality, etc. This can help you build faster and more efficiently. However, all of this depends on your goals, resources, and development team.
Step 6: Test the App
After building the app, you need to test your neobank to ensure that it works with no problems. Focus on quality assurance (QA), unit tests, integration tests, end-to-end tests, security testing, etc. You’ll want to find vulnerabilities early to maintain user trust and ensure a seamless launch.
Step 7: Deploy, Maintain, & Scale
Once you’re happy with your project, it’s time to launch the neobank and make it readily available to the public. After deploying the neobank, you also need to monitor the app closely to make sure everything works as intended. Track performance, look out for issues, and ensure it can handle user traffic without hiccups.
The Rise of Crypto in Digital Banking
From market research to launch, those are the critical steps you need to follow to build a neobank. However, in today’s financial landscape, offering only traditional banking services is not enough. Users expect complete control of all their fiat and crypto assets – all in one convenient platform.
The rise of crypto has significantly changed user behavior, as customers want to view, manage, and interact with their crypto holdings just as easily as their bank accounts. As such, neobanks that don’t offer crypto features risk falling behind as customers will end up seeking crypto-compatible alternatives. This means that adding crypto functionality is no longer a ”nice to have” – it’s quickly becoming a key expectation.
This is where Moralis takes the stage. Instead of spending months building complex blockchain features from scratch, you can leverage Moralis’ APIs to instantly deliver real-time prices, wallet data, token balances, transaction histories, and more – all with minimal development effort. Let’s dive deeper into how Moralis can unlock the crypto world for your neobank.
Build a Crypto Neobank with Moralis
Moralis is a leading crypto data provider that offers a wide range of use-case-specific APIs and RPC nodes. With these top-tier tools, you can easily integrate everything from wallet balances to real-time prices with just a single line of code. Build innovative features for your neobank to boost engagement, improve retention, and attract a new audience of crypto enthusiasts with minimal effort.
Here’s why companies choose Moralis as their crypto neobank API provider:
- More Data. Fewer Calls: With outcome-oriented APIs, you get more data with fewer calls. Build comprehensive portfolio views, detailed transaction timelines, and much more – all with single endpoints.
- Cross-Chain Compatibility: Moralis supports all major chains, including Solana, Ethereum, BNB Smart Chain (BSC), Polygon, and many more. Use one unified toolkit to build cross-chain crypto features for your neobank platform.
- World-Class Security & Reliability: Moralis is SOC 2 Type 2 certified, highlighting our commitment to maintaining world-class reliability and security across all tools and features.
Now that you have an overview, let’s dive into Moralis’ suite of industry-leading development tools to see how you can build crypto neobank features without breaking a sweat!
Exploring Moralis’ Web3 APIs
In Moralis’ Web3 API suite, you’ll find many interfaces that streamline the process of integrating on-chain data into neobanks and other platforms. Here are four key APIs we’ll explore further in today’s guide:
- Wallet API
- Token API
- NFT API
- Moralis Streams
If you want to explore all our tools, please visit our Web3 API page!
Wallet API: Fetch a Wallet’s Balances, History, & DeFi Positions
With the Wallet API, you can seamlessly fetch any wallet’s full history, profitability, token balances, and more with a single line of code. Use this world-class tool to supercharge your neobank with decoded transaction timelines, detailed portfolio views, and other similar features.
Let’s dive into some Wallet API endpoints:
/wallets/:address/history: Fetch a wallet’s decoded history, including swaps, NFT transfers, smart contract interactions, etc./wallets/:address/tokens: Get any wallet’s token balances with prices./wallets/:address/approvals: Fetch active token approvals for any wallet address./wallets/:address/defi/positions: Query any wallet’s DeFi positions./wallets/:address/net-worth: Get the total net worth of a wallet, including individual breakdowns for each blockchain network.
To show you the accessibility of this tool, let’s look at how easy it is to fetch a wallet’s decoded history. Here’s a sample script:
import fetch from 'node-fetch';
const options = {
method: 'GET',
headers: {
accept: 'application/json',
'X-API-Key': 'YOUR_API_KEY'
},
};
fetch('https://deep-index.moralis.io/api/v2.2/wallets/0xda74Ac6b69Ff4f1B6796cdDf61fBDd4A5f68525f/history?chain=eth', options)
.then(response => response.json())
.then(response => console.log(response))
.catch(err => console.error(err));
Running the script above will provide a response showing the wallet’s full history, enriched with event summaries, transaction categories, human-readable address labels, and much more. With the Wallet API, you get fully decoded data straight out of the box:
{
//...
"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"
}
],
"summary": "Received 0.3 ETH from Coinbase: Hot Wallet",
"possible_spam": false,
"category": "receive"
},
//...
]
}
To learn more about this top-tier tool, please check the official Wallet API documentation page!
Token API: Get Accurate Prices, OHLCV Candlesticks, & Pairs
The Token API lets you get token balances, prices, OHLCV data, approvals, owners, and much more with minimal effort. Use this best-in-class interface to build token analytics tools, interactive price charts, and similar features for your neobank.
Here are some key endpoints of the Token API:
/erc20/:address/price: Query any token’s real-time price./erc20/:address/swaps: Get all swap-related transactions for a token./erc20/:token_address/pairs: Fetch all supported pairs of a token./erc20/:token_address/owners: Get a list of a token’s holders./pairs/:address/snipers: Query all snipers for any pair address./pairs/:address/ohlcv: Fetch OHLCV candlestick data for a given pair address.
To demo the power of the Token API, we’ll now show you how easy it is to fetch real-time prices. Here’s an example of what it can look like:
import fetch from 'node-fetch';
const options = {
method: 'GET',
headers: {
accept: 'application/json',
'X-API-Key': 'YOUR_API_KEY'
},
};
fetch('https://deep-index.moralis.io/api/v2.2/erc20/0x7d1afa7b718fb893db30a3abc0cfc608aacfebb0/price?chain=eth&include=percent_change', options)
.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 price of the specified token denominated in both USD and the chain’s native cryptocurrency. Additionally, the response is enriched with price changes over time, spam indicators, and much more:
{
tokenName: 'Matic Token',
tokenSymbol: 'MATIC',
tokenLogo: 'https://logo.moralis.io/0x1_0x7d1afa7b718fb893db30a3abc0cfc608aacfebb0_89c931b3fcf74fe39db7a195bf8a3aa5.png',
tokenDecimals: '18',
nativePrice: {
value: '120155125729897',
decimals: 18,
name: 'Ether',
symbol: 'ETH',
address: '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
}
Check out the Token API documentation page to learn more about this tool!
NFT API: Query NFT Metadata, Prices, & Transfers
The NFT API is an industry-leading tool for fetching NFT-related data from the Solana network and all major EVM chains. With a single line of code, you can get NFT prices, transfers, metadata, and much more. Use the NFT API to build NFT-Fi analytics tools, enrich your portfolio views with NFTs, and more.
Let’s explore a few prominent NFT API endpoints:
/:address/nft: Fetch any wallet’s full NFT balance./nft/:address/:token_id: Query the metadata of any NFT./:address/nft/transfers: Get all NFT transfers of a wallet./:address/nft/collections: Fetch all NFT collections owned by a wallet address./nft/:address/:token_id/floor-price: Query the floor price of any NFT.
To highlight the accessibility of this premier tool, let’s look at an example of how you can use the NFT API to get floor prices. Here’s a sample script:
import fetch from 'node-fetch';
const options = {
method: 'GET',
headers: {
accept: 'application/json',
'X-API-Key': 'YOUR_API_KEY'
},
};
fetch('https://deep-index.moralis.io/api/v2.2/nft/0xbd3531da5cf5857e7cfaa92426877b022e612cf8/4307/floor-price?chain=eth', options)
.then(response => response.json())
.then(response => console.log(response))
.catch(err => console.error(err));
Calling the endpoint above will give you the floor price of the specified NFT, denominated in both the chain’s native currency and USD:
{
address: '0xbd3531da5cf5857e7cfaa92426877b022e612cf8',
token_id: '4307',
floor_price: '9.444',
floor_price_usd: '21965.365',
currency: 'eth',
marketplace: {
name: 'blur',
logo: 'https://cdn.moralis.io/marketplaces/blur.png'
},
last_updated: '2025-02-27T18:03:39.601Z'
}
To learn more about this tool’s other endpoints and features, please visit the NFT API documentation page!
Moralis Streams: Set Up Real-Time Web3 Data Pipelines
With Moralis Streams, you can easily build Web3 data pipelines for your neobank. These pipelines will give you instant, fully customizable updates as soon as something important happens on-chain. As such, this premier tool allows you to set up real-time alerts, populate databases, and more.
Let’s look at some prominent benefits of Moralis Streams:
- Fully Cross-Chain: Moralis Streams supports over 20 chains, including Ethereum, BSC, Polygon, etc.
- Complete Data Coverage: With support for all types of data sources, you can use Moralis Streams to monitor any event, wallet, or smart contract.
- 100% Delivery Guarantees: Experience 100% delivery guarantees, meaning no data is lost even if your app experiences downtime.
- Highly Dynamic: Moralis Streams is the industry’s most dynamic and customizable tool for real-time data. Set up pipelines for any custom use case you can imagine.
- Built to Scale: Moralis Streams offers unmatched scalability, allowing you to monitor one to 100+ million addresses with one single pipeline.
To learn more about how this premier tool works, check out our Web3 data pipelines guide or explore the Streams API documentation page!
Summary: How to Build a Crypto Neobank
The best and easiest way to build a crypto-ready neobank is to leverage a data provider like Moralis. With our top-tier crypto neobank API and RPC nodes, you can integrate crypto features into your neobank without breaking a sweat!
Here are some key tools you’ll likely find helpful in your development endeavors:
- Wallet API: Fetch any wallet’s history, DeFi positions, net worth, profitability, and more.
- Token API: Get real-time token prices, swaps, holders, snipers, pairs, etc.
- NFT API: Query metadata, transfers, owners, prices, and more for any NFT.
- Moralis Streams: Set up Web3 data pipelines to monitor on-chain events in real-time.
With the APIs above, you can build everything from comprehensive portfolio views to integrating real-time alerts into your neobank with minimal development effort!
So, if you want to build a neobank, sign up for your free Moralis account today!
