Solution blueprint

Build a neobank / business-account app

Accounts, payments and cards inside your own app. Below is the product stack you need, with verified European providers for each layer - compare by EEA data residency, licence and regulator.

Step 1 — Core banking stack required

A BaaS provider gives accounts + payments + cards on one licence - the fastest path (or compose IBAN + issuing + BIN separately).

Advapay EU core Estonia
Aion Bank EU core Belgium
Aircash EU core Croatia

Browse all: BaaS

Step 2 — Verify customers required

Mandatory onboarding and AML.

Authologic EU core Poland
Fourthline EU core Netherlands
iDenfy EU core Lithuania

Browse all: KYC/KYB

Step 3 — Connect external banks optional

PSD2 aggregation and payment initiation for top-ups and a richer app.

Aiia EU core Denmark
Algoan EU core France
Autopay EU core Poland

Browse all: Open banking

Step 4 — Cards in mobile wallets optional

Apple/Google Pay provisioning.

Enfuce EU core Finland
Giesecke+Devrient EU core Germany
IDEMIA EU core France

Browse all: Tokenization – X-Pays

Sovereignty notes

Pick an EU-core BaaS with data hosted in the EEA (GDPR / CLOUD Act).
Local IBANs avoid the IBAN-discrimination problem in your target markets.

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