Neobank & Digital Banking Platforms
We engineer digital banking platforms from core banking ledgers to consumer-facing mobile apps. Our neobank solutions cover account opening, virtual/physical card issuance, P2P transfers, micro-lending, savings products, and the compliance infrastructure needed for banking licenses across MENA, Europe, and emerging markets.
Why This Matters
Launching a neobank used to take 3+ years and $50M+. With modular BaaS architecture and the right engineering partner, you can launch in 6-9 months.
What You Get
Capabilities
Core Ledger
Event-sourced, double-entry accounting ledger handling multi-currency balances, holds, reversals, and real-time reconciliation.
Card-as-a-Service
Virtual and physical card issuance via Marqeta, Stripe Issuing, or processor-direct APIs with real-time controls and spending limits.
Islamic Banking Module
Sharia-compliant product structures — Murabaha financing, Wakala deposits, and profit-sharing savings accounts instead of interest-based products.
Real-World Applications
Use Cases
Technology Stack
Explore More
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Custom payment gateway solutions with multi-currency support, fraud detection, and seamless checkout.
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Learn MoreRegTech & Regulatory Automation
Automated compliance reporting, regulatory change management, and risk monitoring for financial institutions.
Learn MoreCommon Questions
Frequently Asked Questions
How do you ensure fintech compliance and security?
Masarrati builds PCI-DSS compliant payment systems, implements KYC/AML workflows, follows banking-grade encryption standards, and designs audit trails. We work with regulatory consultants to ensure full compliance.
Can you build a neobank or digital banking platform?
Yes. Masarrati has built complete digital banking platforms including account management, payments, cards, lending, and compliance modules. We integrate with banking-as-a-service providers and core banking systems.
What payment methods can you integrate?
Credit/debit cards, ACH, wire transfers, crypto payments, mobile wallets (Apple Pay, Google Pay), BNPL, UPI, and regional payment rails. Masarrati integrates with Stripe, Adyen, PayPal, and custom PSPs.
How do you handle high-volume transaction processing?
Through event-driven architecture, message queues, database sharding, optimistic locking, and auto-scaling infrastructure. Masarrati builds payment systems that handle thousands of transactions per second with 99.99% uptime.
What is your experience with Islamic fintech?
Masarrati has built Sharia-compliant fintech platforms including profit-sharing models, Murabaha financing, Zakat calculators, and Islamic investment apps — all certified by Sharia advisory boards.
Real Results
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