White-label Neobank. Turnkey solution.

for Enterprises, Startups, and Banks. Powered by Optherium?

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The Opportunity

The digital banking market has witnessed significant growth previously, but due to the unexpected COVID-19 outbreak, the market will witness additional growth in 2020, owing to the rising adoption of mobile payment solutions. This growth will be majorly driven by changing customer behavior, increasing the focus of the people from visiting bank branches to online access to bank services. Thus, traditional banks, large enterprises, and well-funded startups have an opportunity to launch their own digital-only neobank as an alternative to traditional in-person banking.

The Challenge

The main challenges that businesses face once decided to create own branded Neobank include the following:

• Too expensive licensing, staff, software development
• No compliance, customer support, and technical support team
• Lack of expertise in finance, technology, compliance, data security, development, etc.
• Too long go-to-market time

Turnkey White-Label Neobank

White label digital banking solutions allow businesses to launch Web, iOS and Android applications, under their brand, in a short timeframe by utilizing 3rd party licenses, permissions, certifications and modular microservices.

No need to obtain any license

The Neobank is covering EMI license in the EEA, Banking license in the USA and Brazil, and PCI DSS compliance globally.

Dedicated professional team

We provide dedicated technical, compliance, and customer support teams, so our clients can focus on business development and customer acquisition.

Easy and fast integration

Seamlessly integration into any business model and go-to-market 1–3 month timeframe.

Revenue-generating tool

Customizable transactional and subscription fees are powerful sources of income for business.

Future-rich

We have created the most comprehensive solution available on the market for our customers. Fully customizable interface and fees unlock new opportunities and revenue streams for business owners.

Digital-by-Design

Product & experience design with user experience at its core to seamlessly & quickly onboard, increase user-friendliness, and improve retention.

Interest-bearing Multicurrency Accounts

Enables issuance and management of IBAN and ACH accounts in 30+ currencies for entities and private individuals in the EEA and the USA.

Cost-effective Payment Gateway & Mobile Payments

Cost-savings and new revenue streams provided by a seamless payment gateway that supports 180+ payment methods in 150+ countries.

Regulatory Compliance and License Out-of-Box

Fully-compliant solution within the EEA, the USA and Brazil.

Highest-level security

Integration of proprietary MPBN technology for interaction with and storage of all sensitive data storage to eliminate security risks.

Fully white-labeled Solutions

Branded mobile app, physical, and virtual cards allow businesses to issue their own accounts & cards to make deposits, payments, withdrawals, etc.

Bank-in-a-box

Optherium Labs is a one-stop-shop, providing everything needed for launching and managing your own neobank. From A-to-Z.

No more need to worry about the banking solutions providers, software development and maintenance, customer and compliance support. We do it all for you. Really.

A fully-licensed, fully-compliant plug-and-play banking product allowing you to concentrate on your core business while enabling you to quickly deploy financial products without having to deal with banking regulations and costly set-up.

• Built to be plug-and-play
• Out-of-the-box Solutions
• Modular Building Blocks

Functionality and features

Ready-made and fully customizable neobank applications for Web, Android, iOS platforms with the most advanced features for business and individual users.

For individuals:

• Send, request and load money
• Multicurrency IBAN / ACH bank account
• Virtual and plastic debit card
• ATM Withdrawals Worldwide
• Apple Pay and Google Pay
• Foreign currency exchange
• Bill splitting
• Card to card transfers
• International and domestic transfers
• Request payments from anyone
• Peer-to-peer QR Payment
• Digital receipts
• Family and kids joint accounts
• Money management tools

For business:

• Business IBANs
• Payment gateway
• Payroll
• Invoicing
• Recurring payments
• Analytics
• Custom modules
• Reporting
• Loans
• Insurance
• Enhanced data security
• Accounting
• Simplified business onboarding
• Deposit & Investment accounts

Your Brand. Your rules

Every business has its own unique style, goals, needs, and wishes. And, of course, it’s unique customers and business model. Optherium Labs offer custom development and integration solutions to help businesses to succeed.

KYC onboarding

User-friendly, 10 min, 22-click client onboarding. White-labeled module onboards, verifies, and authenticates users via intelligent-automation to increase security, decrease costs, minimize risks, and guarantee compliance.

Highest-tech, Mobile KYC/KYB

Mobile and web onboarding in chat-format with photo integrations, backed by computer vision and artificial intelligence, that is secure, cost-effective, and fully-compliant.

Fast & User-friendly Onboarding

Full onboarding through a simple and user-friendly mobile or web interface within 10 minutes and 22–26 clicks, and minimized staff involvement.

Global Screening and Transaction Monitoring

Batch screening and real-time manual or automated monitoring against 1,600+ watchlists and suspicious activity

Passwordless authentication

No more passwords needed. Biometric login increases sign-in convenience for end customers, raises up login conversion rates, and securely protects sensitive data from being stolen or compromised.

No password. No problem

Passwordless Multi-Factor Authentication (MFA) with Biometric login helps businesses & users to prevent the most common and successful types of cyber attacks, targeted on stealing passwords and login.

Enhanced Security & Usability

Biometric login eliminates identity fraud by replacing access credentials with biometric authentication and private key signatures, making business sure that access is granted to the right user.

Regulatory compliant & Safe

Passwordless biometric login is a cost-effective multi-factor authentication method, required by SCA / PSD2 regulations.

DataVault

Comprehensive data protection system for enterprise data security, protecting from outsider and insider threats, and ensuring full regulatory compliance.

Data Encryption

Automatically shreds, encrypts, and distributes protected data pieces across numerous immutable distributed ledgers, eliminating any single points of vulnerability.

Secure Storage, Retrieval, & Access

Data fragments are stored across multi-decentralized private blockchain networks and securely reassembled after access is authenticated via multi-signature logic.

Regulatory Compliant

The system is fully compliant with regulatory security and data privacy standards of the EU and US, including GDPR, SCA, PCI DSS, and others.

White-Label Neobank use cases

Large & Medium Enterprises

Simplify payroll, enable cost-savings and get extra income

Provide a corporate neobank app with branded debit cards, and bank accounts to your employees. Pay salary to your employees straight to their corporate wallets. This enables significant cost-savings to business, simplifies the payroll process, raises employees’ loyalty, and returns a portion of the payroll pool back to the company in the form of fees from the usage of the neobank by employees and non-employee users.

Traditional Banks & Financial Institutions

Reduce operating costs, increase revenues, enhance security, grow & scale faster

Digital only bank eliminates the need for the physical branches and in-person customer onboarding. It is cutting costs for the maintenance of the staff and IT-infrastructure. And at the same time, white-label Neobank by Optherium enhances the data security & user experience, allowing banks to onboard businesses and individuals online and offer them a full banking stack of services through the mobile & web apps globally.

Startups & New Businesses

Build your unicorn Neobank startup and conquer the world

The turnkey neobank by Optherium provides startups an opportunity to save up to €5m on investments and up to 5 years of life on building their own neobank from a scratch. We cover startups with ready-made software, our licenses, dedicated customer, compliance, technical support team, and all the other aspects, from A-to-Z, instantly making them ready to compete with such companies like Revolut, Monzo, and N26.

Revenue-generating tool

The goal of almost every business is to make profits. And the more, the better. That is why we designed our neobank as a tool for making money.

The flexible architecture of the white-label neobank allows businesses to build your own revenue model from existing functionality and also to integrate any unique tailored solution into the neobank if needed.

Build your own revenue model and diversify income sources

• Subscriptions
• Transactions
• Advertisement
• Insurance
• Loans
• Ecommerce
• Investment accounts
• Deposits
• Charity
• DataVault for docs
• Mortgages
• Your unique module

Go-to-market time

Our turnkey White-Label Neobank is a fully customizable and unhackable solution, backed with the EMI license in the EEA, banking license in the USA and Brazil.

• EEA — 1–3 months
• USA & Brazil — 2–4 months
• Global Solution — 12–16 months
• Any other country — 3–6 months

Your timeline

10-day technical implementation roadmap

• Deploy sandbox infrastructure
• Prepare sandbox applications with basic customization
• Workshop (AWS infrastructure and Optherium Solution)
• Deploy client blockchain infrastructure
• Deploy Optherium blockchain infrastructure
• Create blockchain network consortium
• Deploy microservices and applications
• Update applications with the final customization
• Solution overview and quality assurance

Products and solutions

Digital Banking

White label web and mobile digital banking applications, powered with Optherium blockchain, AI and smart contracts technology.

KYC/AML Onboarding

Identity and document verification platform, software development tools, and APIs for ultimate regulatory compliance and automation.

DataVault Storage

DataVault Storage is an exceptionally secure environment for the storage of sensitive data and digital assets.

Optherium is a global technology services & proprietary products provider for banks and large enterprises. We help our clients unlock transformative value through technology-enabled opportunities.

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