Crypto Banking Development Services
Build a secure, compliant, and scalable crypto-fiat ecosystem. We deliver institutional-grade neobanking solutions, multi-currency wallets, and card issuing services.
130+ projects
since 2015
blockchain expert
Services
Crypto Banking Software Development Services
Our crypto banking software development services cover the full cycle—from product strategy and architecture to integrations, security hardening, and launch support. We build platforms that are ready for real users, real transactions, and real compliance requirements.
01
Custom Crypto Banking Platform Development
We develop custom crypto banking platforms tailored to your business model, jurisdictions, and product roadmap. This includes web and mobile apps, admin tools, and the backend services required for reliable operations.
02
Digital Wallet & Custody Infrastructure
We build wallet infrastructure with secure key management and configurable custody models. The system supports deposits, withdrawals, address management, and transaction orchestration with operational controls.
03
Core Ledger & Account Management System
We implement a core ledger that tracks balances, holds, fees, and transaction states across fiat and crypto. This ensures accurate accounting, reconciliation, and audit readiness at scale.
04
Fiat On/Off-Ramp Integrations
We integrate on-ramp and off-ramp providers to enable card or bank transfers for buying and selling crypto. Integrations are designed with monitoring, fallback flows, and clear transaction status handling.
05
Crypto Cards & Payment Rails Integration
We connect card programs and payment rails to support real-world spending and settlement workflows. The platform can route funding sources, apply limits, and support compliance checks per transaction.
06
KYC/AML & Transaction Monitoring
We implement identity verification flows and AML controls that fit your jurisdiction and product scope. Transaction monitoring helps detect suspicious behavior and supports case management and reporting.
07
Admin Panel, Risk Controls & Reporting
We build admin dashboards for user management, limits, approvals, and operational actions. Reporting tools support compliance needs, reconciliation, and executive visibility.
About
What Is Crypto Banking Software?
Step-by-Step
How Crypto Banking Platforms Work
A crypto banking platform onboards users, manages accounts and balances, routes transactions through wallets and payment rails, and enforces compliance rules. It also provides monitoring, reconciliation, and audit trails to keep operations secure and reliable.
Customer Onboarding & Verification
Users pass onboarding flows that validate identity and risk profile based on your compliance requirements. This enables controlled access to accounts, limits, and regulated product features.
Compliance, Monitoring & Risk Actions
The compliance layer monitors transactions, flags anomalies, and triggers risk actions like limits, freezes, or manual reviews. This reduces fraud exposure and supports regulatory reporting workflows.
Payments, Transfers & Settlement
Users can send/receive crypto, move funds between wallets, and initiate fiat settlements through integrated providers. Settlement flows include confirmations, status tracking, retries, and error handling.
Wallet Management & Key Security
Wallet infrastructure manages addresses, signing, and secure transaction execution. Key security can be implemented via HSM-based custody, MPC, or other models depending on your risk posture.
Accounts, Balances & Ledger Operations
The platform creates user accounts and maintains real-time balances using a ledger-based system. Ledger logic supports holds, fees, reversals, and status transitions for accurate accounting.
Reporting, Reconciliation & Audit Trails
The platform produces transaction logs, balance proofs, and reconciliation reports for operations and audits. Audit trails provide traceability across user actions, approvals, and system events.
The operational logic of a crypto banking platform relies on a secure 'Mirror Ledger' system. When a user deposits fiat or crypto, the platform updates its internal database while simultaneously triggering a blockchain event or a bank wire confirmation. To ensure security, assets are typically managed through a multi-tier wallet architecture, where the majority of funds are held in MPC-protected cold storage, while a small portion remains in hot wallets for instant liquidity. All operations are governed by a robust 'Rules Engine' that enforces KYC/AML checks, transaction limits, and automated fraud detection before any transfer is finalized. We utilize advanced API orchestration to connect core banking modules with liquidity providers like Binance or Coinbase, ensuring mid-market exchange rates for every user swap
Features
Core Modules of a Crypto Banking Platform
Intro
Core modules define what the platform can do and how safely it operates under real transaction volume. The right module set supports user experience, compliance, and predictable scaling.
Cards, IBAN/Accounts, and Payments
We integrate payment capabilities such as cards and bank account features when your model requires them. The platform supports limits, funding sources, and settlement rules tied to compliance checks.
User Accounts & Roles
We build role-based access for users, admins, support, and compliance teams. This ensures the right people can perform the right actions with proper approvals and logging.
Fiat & Crypto Balances
The platform supports holding fiat and crypto balances with clear transaction states and settlement logic. This is essential for accurate user reporting and back-office reconciliation.
Custody / Non-Custody Options
We support custodial, non-custodial, or hybrid models depending on your product strategy. Custody choices affect security, compliance scope, and user experience.
Transfers, Payouts & FX
We implement transfers, payouts, and conversion flows with rate handling and clear fee logic. These flows include safeguards for limits, confirmations, and error recovery.
Architecture
Crypto Banking Architecture We Build
We design modular architecture that separates ledger, wallet, compliance, and payments so each layer can scale independently. This approach reduces risk, improves maintainability, and supports faster feature delivery.
01
Core Ledger & Banking Engine
The ledger is the system of record for balances, holds, and transaction states across assets. We design it for consistency, accuracy, and audit-ready reporting.
02
Custody / Wallet Infrastructure
Wallet services manage address generation, signing, and transaction routing with operational controls. The architecture supports secure key management and controlled withdrawals.
03
Compliance Layer (KYC/AML, Monitoring)
Compliance services handle identity checks, risk scoring, and transaction monitoring rules. This layer supports case management and enforcement actions based on policy.
04
Payments Layer (Cards, Rails, On/Off-Ramps)
Payments services connect your platform to card programs, banking rails, and on/off-ramp providers. We implement clear status tracking and reconciliation to prevent operational gaps.
Security Layer (HSM, Key Mgmt, Access Control). Security controls include encryption, secrets management, access policies, and optional HSM or MPC for keys. This reduces attack surface and protects high-value operations.
Cost
Cost of Crypto Banking Software Development
The development cost of crypto banking software is primarily driven by the breadth of its functionality and the depth of its regulatory integrations. Building a neobanking app with basic crypto-buy/sell features requires a different level of investment compared to a full-scale institutional platform with lending protocols, card issuing, and complex multi-signature governance. Key cost drivers include the integration of secure custody solutions (like Fireblocks or BitGo) and the development of custom smart contracts for DeFi-like features.
Cost Estimates
MVP (Startup): $50,000 – $80,000
Business (Scale-up): $80,000 – $150,000
Enterprise Solution: $150,000 - $300,000
Compliance-related engineering is another significant component of the budget. For the US and EU markets, the software must meet stringent SOC2, GDPR, and FinCEN standards. This includes the implementation of automated 'Travel Rule' protocols and integration with high-tier KYC/AML providers. Rigorous penetration testing and third-party security audits are essential to ensure the platform’s resilience, which adds to the overall development timeline and cost.
At Merehead, we emphasize a modular architecture that allows you to optimize your initial ROI. By starting with a core 'Wallet & Ledger' MVP, you can launch your brand and begin onboarding users while we concurrently develop advanced modules like crypto-backed credit lines or NFT-based loyalty programs.
Who Should Run Crypto Banking Software?
Fintech startups launching neobanks
Wallet and custody providers scaling
Payment firms adding crypto accounts
Institutional platforms for treasury
Reason
Why Choose Merehead for Crypto Banking Software Development
Merehead stands at the forefront of the financial technology revolution, combining deep cryptographic knowledge with extensive experience in traditional banking software. Our mission is centered on bridging the gap between traditional fiat banking and decentralized finance (DeFi) protocols for a unified user experience. We don’t just build apps; we architect secure, high-load financial infrastructures that have successfully passed the most rigorous security and compliance audits. Our team of senior engineers is proficient in building scalable backends using Go, Java, React, .NET and secure frontend interfaces that users trust.
0+ years on the market
0+ completed projects
To support your business goals, we offer both custom-built ecosystems and premium white label crypto banking solutions to accelerate your market entry. We differentiate ourselves through our commitment to 'Security by Design'. Every platform we deliver is built with an assumption of a 'Zero-Trust' environment, incorporating military-grade encryption, multi-factor biometric authentication, and hardware-level key protection. We have a proven track record of delivering neobanking solutions that handle millions of dollars in monthly volume without a single security breach.
Choosing Merehead means gaining a strategic partner that understands the global regulatory landscape. We provide comprehensive technical documentation, facilitate integrations with Tier-1 liquidity and KYC providers, and offer dedicated long-term support. Our goal is to ensure your crypto bank is not only technologically superior but also operationally sustainable in a rapidly changing market.
Write to an expert
Choosing Merehead means gaining a strategic partner that understands the global regulatory landscape. We provide comprehensive technical documentation, facilitate integrations with Tier-1 liquidity and KYC providers, and offer dedicated long-term support. Our goal is to ensure your crypto bank is not only technologically superior but also operationally sustainable in a rapidly changing market.
Fintech-Grade Engineering and Delivery
We build complex platforms with reliability, observability, and secure operational workflows. Delivery is organized around milestones, demos, and measurable acceptance criteria.
Security-First, Audit-Ready Approach
We design secure architectures with controlled access, logging, and risk actions from day one. This approach reduces launch risk and supports compliance requirements.
Scalable Architecture for Growth
We build modular systems that can evolve with new integrations, regions, and product features. Scalability is treated as an architectural requirement, not a later refactor.
Business-Focused Product Execution
We align platform features with monetization, operational costs, and user experience goals. The result is software that supports business outcomes, not just technical completeness.
Over 10 years of experience. We offer strategic solutions based on our code base and deep expertise. Our MVPs are launched 30% faster than the industry average. Our approach offers a transparent development process and regular reporting. Integrated with 40 payment providers and blockchain networks. Our engineering team follows a rigorous technical roadmap, which we have outlined in our detailed guide on how to create a crypto banking app.
FAQ
Have questions in mind?
Answers to the most frequently asked questions from our clients
A wallet app typically focuses on storing and sending assets, while a crypto bank includes account management, compliance, payments, and operational controls. Crypto banking software is designed for ongoing financial operations and audit-ready workflows.
An MVP can take 10–16 weeks depending on custody model and integrations. Enterprise platforms take longer due to compliance scope, payments rails, and operational tooling.
Cost depends on custody approach, KYC/AML requirements, and the number of provider integrations. We estimate by complexity (MVP, mid-scale, enterprise) to keep planning predictable.
Yes, we can integrate card programs and banking rails depending on provider availability and jurisdiction. We also design reconciliation and status handling to support reliable operations.
Yes, we support custodial, non-custodial, and hybrid approaches based on your business model. We help select the right model for security, UX, and compliance constraints.
Security
Security & Compliance in Crypto Banking Software
Secure Key Management & HSM
We design custody flows with secure signing and controlled key access to protect assets. HSM or MPC-based approaches can be used based on your security requirements.
AML Monitoring & Risk Scoring
We implement monitoring rules and risk scoring to identify suspicious patterns and high-risk activity. This supports compliance workflows and reduces exposure to financial crime.
Fraud Prevention & Device Security
We add fraud controls such as device checks, velocity limits, and anomaly detection triggers. These measures protect user accounts and reduce operational loss.
Security is the nucleus of our banking architecture. At the heart of our banking platform is a multi-currency crypto wallet development approach that prioritizes MPC-based security and hardware isolation. We implement MPC (Multi-Party Computation) to eliminate the risk of a single point of failure in private key management. Furthermore, we ensure your platform adheres to the best crypto-friendly banking practices for 2026, including full KYC/AML compliance and FATF standards.
Our compliance modules are designed to be 'Audit-Ready', featuring automated transaction monitoring, suspicious activity reports (SAR), and full integration with Chainalysis or Elliptic for on-chain forensic analysis. By adhering to ISO 27001 standards and implementing advanced DDoS mitigation, we ensure your platform remains stable and secure even during periods of extreme market volatility. We utilize AWS CloudHSM to provide hardware-level protection for all cryptographic operations.
Our compliance modules are designed to be 'Audit-Ready', featuring automated transaction monitoring, suspicious activity reports (SAR), and full integration with Chainalysis or Elliptic for on-chain forensic analysis. By adhering to ISO 27001 standards and implementing advanced DDoS mitigation, we ensure your platform remains stable and secure even during periods of extreme market volatility. We utilize AWS CloudHSM to provide hardware-level protection for all cryptographic operations.
Integrations
Integrations We Support
Exchanges & Liquidity Providers
We integrate liquidity sources for conversion flows and treasury operations when required. Integrations include monitoring, rate handling, and failure-safe routing.
On/Off-Ramp Providers
We connect on/off-ramps to support fiat-to-crypto and crypto-to-fiat flows. Provider handling includes status tracking, reconciliation, and support tooling.
Card Issuers & Payment Processors
We integrate card programs and processors for spending, settlement, and funding workflows. The platform can enforce limits and compliance checks per transaction.
Why is this important?
We ensure your platform is part of a global financial network by supporting a wide array of third-party integrations. This includes connections to SEPA and SWIFT for fiat transfers, card issuing through providers like Marqeta or Galileo, and real-time market data from Bloomberg or CoinMarketCap. Our software comes pre-integrated with institutional custodians like Fireblocks, allowing you to offer secure storage to your clients from day one.
Use Cases
Use Cases for Crypto Banking Software
Our software caters to a diverse range of business models, from retail neobanks focusing on Gen-Z traders to B2B platforms facilitating global settlements for corporations. In the real estate sector, our banking solutions enable the management of rental income in stablecoins, while for e-commerce, they provide a unified dashboard for managing crypto-merchant payments and fiat payouts.
Our expertise extends beyond simple banking, as seen in our work with real estate tokenization through NFTs, enabling fractional ownership within digital portfolios. Also, we recently built a neobanking platform for a US startup that integrated crypto-savings accounts with 5% APY, attracting 12,000 users in its first month.
Our expertise extends beyond simple banking, as seen in our work with real estate tokenization through NFTs, enabling fractional ownership within digital portfolios. Also, we recently built a neobanking platform for a US startup that integrated crypto-savings accounts with 5% APY, attracting 12,000 users in its first month.
Neo-Banks with Crypto Accounts
We build neobank-style platforms that combine crypto balances with traditional user account experiences. This includes onboarding, balances, payments, and operational tooling.
Crypto Wallet Banks & Custody Providers
We develop platforms focused on custody, secure asset management, and controlled withdrawal workflows. These solutions prioritize security, monitoring, and operational governance.
Merchant & Payroll Crypto Banking
We build platforms that support business payouts, payroll workflows, and merchant settlement in crypto or fiat. These systems focus on reporting, reconciliation, and cost-efficient processing.
