EBank is a complete white-label neo banking and embedded-finance platform designed for companies that want to launch and operate their own branded financial ecosystem for personal and business customers.
EBank combines personal and business accounts, individual European vIBANs, multi-currency accounts, SEPA and SEPA Instant, ACH, SWIFT, card issuing, mobile wallets, stablecoin management, crypto investments, compliance infrastructure and complete back-office management within one configurable white-label platform.
Support both individual and business customers within a single branded neo banking ecosystem.
Provide individual European virtual IBAN accounts for supported personal and business customers.
Manage EUR, USD and GBP balances within a unified customer banking environment.
Support European incoming and outgoing payments through SEPA and SEPA Instant infrastructure.
Support ACH payment infrastructure for eligible USD account and payment operations.
Support international payment operations through SWIFT infrastructure where available through connected providers.
Offer virtual and physical Visa and Mastercard cards through connected card infrastructure.
Support compatible cards with Apple Pay and Google Pay for mobile and contactless payments.
Manage supported stablecoin balances including USDT, USDC and EURC within the financial ecosystem.
Provide access to crypto investment and yield functionality through integrated financial infrastructure.
Integrated onboarding and verification infrastructure for both personal and business customers.
Manage operations from a centralized back office with access to EMI, MiCA, PI and MSB provider infrastructure.
EBank provides a unified environment for onboarding and managing personal and business customers, allowing operators to build a complete branded financial service around multiple customer types.
EBank provides a unified multi-currency environment where customers can manage supported EUR, USD and GBP accounts, balances and financial activity from a single banking dashboard.
EBank connects multiple payment rails within one platform, allowing supported customer accounts to access European, U.S. and international money movement infrastructure through connected financial providers.
European incoming and outgoing EUR payments through SEPA infrastructure.
Fast European payments through SEPA Instant where supported by the connected provider.
U.S. ACH payment infrastructure for supported USD account and payment operations.
International payment infrastructure through SWIFT where available from the connected provider.
Users can create bank transfers from their available accounts through supported payment rails. The platform supports approved beneficiaries, bank information, account numbers, IBAN, SWIFT/BIC, routing numbers, sort codes, transit and institution numbers, bank codes, recipient addresses, and payment purposes.
Transfers can be processed automatically through an active provider or reviewed manually by the operator depending on the configured workflow.
Customers can save personal or business beneficiaries and submit their banking details for approval. The beneficiary approval workflow helps prevent incorrect or unauthorised payouts before funds are transferred.
EBank supports virtual and physical Visa and Mastercard card products through connected card infrastructure, allowing operators to provide modern card services directly within their branded financial ecosystem.
Customers can request and manage supported payment cards for online purchases, subscriptions, physical purchases and business expenses.
Card functionality includes:
EBank extends the traditional banking experience with integrated stablecoin functionality, allowing supported digital asset balances to operate alongside fiat banking services within the same financial ecosystem.
EBank includes investment infrastructure that allows supported crypto investment and yield products to operate alongside traditional banking services.
Users can open a dedicated investment account and transfer funds between their main account and investment account.
The investment module provides:
Massive Market Data supplies market prices, while portfolio accounting, positions, cash balances, and settlement are maintained within EBank.
EBank includes additional configurable financial modules that can extend the core neo banking experience with lending, savings and digital products.
Internal financial activity rating, eligibility checks, loan applications, repayment schedules and outstanding principal tracking.
Configurable fixed-term deposits with annual interest rates, maturity processing and automatic principal and interest return.
Reloadly integration enables mobile airtime purchases for supported countries and mobile operators.
Integrated international digital gift-card catalogue with configurable availability, margins, KYC requirements and order history.
EBank includes an internal financial activity rating that calculates a customer’s credit score from their platform behaviour.
Eligible customers can:
Approved loans are credited directly to the customer’s account.
Users can place available funds into configurable fixed-term deposits and earn a predefined return.
The FDR module includes:
EBank includes integrated customer and business verification infrastructure for onboarding personal and business users and controlling access to sensitive financial operations.
Customers can complete identity verification using either configurable verification workflows or connected KYC/KYB infrastructure.
The system supports personal information, business information, custom verification fields, document uploads, automated status updates, manual review, rejection reasons, and verification restrictions for sensitive financial operations.
Every financial event is recorded and available through centralized customer, account and transaction management tools.
Review personal and business customer profiles, account status, verification and financial activity.
Monitor supported accounts, balances, currencies, status and account activity.
Unified transaction records with reference, amount, currency, direction, status, fees and provider information.
Customers can generate downloadable PDF account statements for selected accounts and periods.
The EBank administration panel gives operators centralized control over customers, accounts, money movement, cards, financial products, compliance, branding, providers and platform operations.
Administrators receive a real-time overview of:
Administrators can inspect customer profiles, accounts, cards, transactions, verification status and financial activity.
The platform provides a unified transaction ledger with filtering, reference lookup, user information, transaction categories, debit and credit directions, provider status, fees and processing details.
Administrators can review recipient and banking information, approve or reject beneficiaries, and process applicable pending transfer workflows.
Manual bank and supported payment deposits can be reviewed, approved, credited or rejected. Automatic deposits are updated through provider callbacks and signed webhooks.
Operators can configure customer pricing, transaction limits and operational rules directly from the administration panel.
Operators can independently configure fees and operational limits for supported financial products and customer operations.
EBank integrates Operator Services into the platform, providing access to financial and digital asset infrastructure through connected providers across multiple operational and regulatory frameworks.
EBank supports configurable automatic and manual payment methods for account funding and customer payment flows.
Every supported gateway can be enabled, disabled, configured, tested and assigned its own credentials, payment limits, fixed charges, percentage charges, exchange rates, instructions and customer-facing labels.
EBank provides a flexible provider layer that allows connected providers to power banking, payments, cards, verification, mobile services, market data and other specialized functionality.
EBank provides a flexible provider architecture allowing one provider to act as a primary operating rail while others handle specialized services.
Administrators can securely store credentials, switch between sandbox and production modes, select applicable providers, inspect supported operations, test connections and review connection status.
The entire customer-facing environment can be configured to match the operator’s own brand identity.
The customer experience can be adapted to the operator’s identity.
EBank includes built-in communication, support and localisation functionality for operating a customer-facing financial platform.
Configurable email delivery, SMTP settings and reusable customer notification templates.
Support SMS gateways and push notifications for account, transaction and operational events.
Built-in support centre with customer conversations, priorities, attachments, replies and ticket status management.
Custom languages, flags, translation keywords, translation import and default-language configuration.
Native website management and marketing functionality helps operators control public content, search visibility and customer acquisition infrastructure.
The platform includes native tools for:
The automation centre manages scheduled platform operations and allows administrators to monitor and control recurring background processes.
The automation centre manages scheduled operations for:
Administrators can enable jobs, define schedules, run them manually, inspect execution status and review detailed logs.
EBank can operate as part of a broader business infrastructure through the integrated Virtual Office environment.
White-label neo banking platform for customer accounts, payments, cards, digital assets and financial products.
Financial infrastructure through connected EMI, MiCA, PI and MSB providers.
Virtual management and a
