The infrastructure behind every great digital wallet.
Digital wallets demand real-time balance updates, instant fund settlement, multi-currency support, and frictionless KYC. NeoSDK provides every component of that stack as clean, production-ready APIs.
{
"wallet_id": "wlt_01HXYZ...",
"iban": "GB29NWBK60161331926819",
"balances": {
"GBP": 2840.00,
"USD": 1200.00,
"EUR": 640.50
},
"kyc_status": "verified"
}
Users expect wallet experiences that feel instant, global, and trustworthy.
Digital wallet users have a short tolerance for friction. Account opening that takes days, fund loading that takes hours, and currency conversion with opaque fees are all reasons users abandon and never return.
Building the backend that delivers instant, compliant, multi-currency wallet experiences requires banking partnerships, payment rail integrations, KYC vendor contracts, and a dedicated compliance team.
Every component your digital wallet needs.
NeoSDK gives you a complete wallet backend as API primitives. Virtual accounts, KYC, FX, payments, card issuing, and AML monitoring in a single integrated platform.
Virtual IBAN Provisioning
Provision dedicated virtual IBANs for every wallet user in seconds. Funds received to their IBAN credit the wallet balance in real time.
Instant KYC Onboarding
Selfie plus document verification completes in under 60 seconds for most users. Sanctions screening runs automatically in the background.
Real-Time FX Conversion
Give wallet users competitive currency conversion with real-time rates across 170 plus currency pairs and instant settlement.
Card Issuing
Issue virtual and physical Visa or Mastercard branded cards linked to wallet balances with configurable spend controls and notifications.
Payment Initiation
Send money via SEPA, Faster Payments, SWIFT, and ACH from a single API. Wallet-to-wallet transfers settle instantly within the platform.
Transaction Monitoring
Automated AML screening on every transaction with configurable thresholds and real-time alerts so compliance never becomes a bottleneck.
From signup to first transaction
A seamless user experience backed by infrastructure that handles complexity invisibly.
User downloads the app and begins onboarding. NeoSDK KYC verifies their identity and provisiones a virtual IBAN in under 2 seconds.
User receives money or tops up the wallet. Funds appear instantly. Multi-currency balances update in real time with every transaction.
User makes a payment, converts currency, or transfers to another user. NeoSDK routes the transaction across the appropriate payment rail.
As the user base scales, NeoSDK infrastructure scales automatically. AML monitoring, compliance reporting, and account management never become manual bottlenecks.
Build a wallet your users will not want to leave.
Talk to our team and get a technical walkthrough of the NeoSDK wallet infrastructure stack tailored to your product requirements.