We stand up your branded neobank.
Core, cards, KYC, rails — in your name.
You stay the account holder.
UnyKorn takes you into the stack and sets it up: branded Android/iOS app, FBO sub-accounts, Visa/Mastercard issuance, KYC/AML, FedNow and ACH. We install and can operate the software. We are not the bank.
Turnkey tenant provisioning and live debit card issuing.
Avoid $2M+ upfront engineering and partner bank retainers.
USD, EUR, GBP, USDC, EURC, and allocated gold balances.
Programmatic agency deposit placement with member banks.
Full-Stack White-Label Neobank Architecture
Our modular BaaS engine provides every layer of modern digital banking infrastructure:
Debit Card Issuance & Processing
Instantly issue branded virtual and physical cards (plastic, recycled ocean plastic, or custom metal) with native Apple Pay and Google Pay tokenization.
Multi-Currency Virtual IBANs
Provide retail and corporate depositors with dedicated account and routing numbers in USD, EUR, and GBP with real-time foreign exchange conversion.
Automated KYC/KYB Tiering
Onboard customers in under 60 seconds with automated document capture, biometric liveness checks, AML screening, and adverse media checks.
Real-Time Payment Rails
Execute instant domestic transfers via FedNow and Real-Time Payments (RTP), alongside low-cost cross-border clearing over XRPL and Stellar.
Turnkey Mobile & Web Apps
Deploy native iOS and Android apps customized with your corporate logo, color palette, and domain. Includes white-label web banking portal.
Regulatory Shield & Trust Vaults
Customer deposits are held in bankruptcy-remote statutory trust structures with Qualified Custodian cold storage and member FDIC bank pass-through insurance.
Turnkey Neobank Licensing Packages
Predictable monthly SaaS fees with no backend engineering required:
Starter Neobank Desk
For niche fintechs and community brands launching prepaid and virtual debit card accounts.
- Virtual debit card issuance
- Multi-currency wallet ledger
- Automated KYC verification
- Standard iOS/Android template
Full Institutional Neobank Core
Complete commercial digital banking stack with physical metal cards, FedNow clearing, and RWA yield integration.
- Physical & virtual card issuing (Apple/Google Pay)
- Dedicated virtual IBANs (USD/EUR/GBP)
- FedNow, ACH, and SEPA instant rails
- RWA yield vault integration (5.5%–8% APY)
- Wyoming Statutory Trust legal wrapper
Multi-Chain Sovereign Core
For multinational enterprises, Web3 treasuries, and high-frequency trading desks.
- Custom sovereign namespace integration
- Cross-chain settlement (XRPL, Stellar, EVM)
- Dedicated cloud hosting instance
- Dedicated quantitative solutions SLA
Key Questions About Y3K Markets Neobank Solution
No. You operate as an authorized technology platform. Deposit-holding, card sponsorship, and fiat clearing are performed by chartered partner institutions (FDIC-insured) under established agency and statutory trust structures.
Yes. Through the Y3K Markets RWA integration, your users can easily sweep idle checking balances into permissioned yield vaults backed by tokenized short-term debt, private credit, or allocated gold earning 5.5% to 8.5% APY.
Virtual cards are generated in real-time upon successful KYC completion (<60 seconds) and can be provisioned immediately into Apple Wallet or Google Wallet. Physical cards are printed and shipped via expedited courier within 3 to 5 business days.
Enterprise Launch & Multi-Chain Connect Hub
Connect your organization to institutional custody vaults, automated clearing rails, and 14-day turnkey production deployments from our North American headquarters:
14-Day Production Deployment
Deploy branded mobile apps, Visa/Mastercard debit cards, and multi-currency virtual accounts with zero code.
60-Second Sponsor Onboard
Automated Reg D 506(c) accredited investor verification, FinCEN AML/PEP screening, and digital sub-agreements.
Connect Custody Rails
Link EVM, XRPL, Stellar, or Solana wallets with insured cold storage and statutory trust settlement.
Sandbox REST / WS APIs
Instant API keys, comprehensive Postman collections, webhooks, and sandbox testing environment.