Skip to main content
UploadLanguage (EN)Support
BusinessMobileSocial MediaMarketingTechnologyArt & PhotosCareerDesignEducationPresentations & Public SpeakingGovernment & NonprofitHealthcareInternetLawLeadership & ManagementAutomotiveEngineeringSoftwareRecruiting & HRRetailSalesServicesScienceSmall Business & EntrepreneurshipFoodEnvironmentEconomy & FinanceData & AnalyticsInvestor RelationsSportsSpiritualNews & PoliticsTravelSelf ImprovementReal EstateEntertainment & HumorHealth & MedicineDevices & HardwareLifestyle
VI
Uploaded byVadi Ivanen
942 views

White label neobank 2021

Optherium Labs offers a turnkey white-label neobank solution that allows enterprises and startups to launch their branded digital banking services efficiently, leveraging their blockchain technology, AI, and biometric security. This product includes comprehensive features for KYC, compliance, and customer support, catering to both individual and business needs while ensuring regulatory adherence in multiple regions. The global digital banking market is projected to grow significantly, and Optherium's solution provides an opportunity for businesses to capitalize on this trend without the high costs and lengthy implementation times associated with traditional banking setups.

Business◦
Downloaded 121 times
for Enterprises, Startups and Banks Turnkey solution White-label neobank Powered by Optherium Network 
 of Blockchains, AI and Dynamic Biometrics Optherium Labs LLC 30 Wall Street, 8th Floor, Suite 752, New York, NY 10005 Email: info@optherium.com Phone: +12125379492 Trusted by
Table of content The global neobanking disruption 03 Turnkey white-label neobank 04 Future-rich 05 Bank-in-a-box 06 Neobank for individuals 07 Neobank for business 08 Custom modules 09 KYC onboarding 10 Passwordless environment 11 Encrypted security storage 12 Use cases 13 Revenue model 14 Go-to-market time 15 Project timeline 16 Implementation roadmap 17 Technical architecture 18 Contacts 19
DisruptionThe Global Neobanking 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 main challenges that businesses face once decided to create own branded Neobank include the following: The Opportunity The Challenge Too expensive licensing, staff, software development Too long go-to-market time Lack of expertise in finance, technology, compliance, data security, development, etc. No compliance, customer support, and technical support team 2020 2021 2022 2023 2024 2025 20262018 803.80 884.18 972.60 1,069.86 1,176.84 1,294.53 1,423.98 1,566.38 1,702.40 2019 10%CAGR Values in $ billions The total number of digital banking users will exceed 3.6 billion by 2024 up from 2.4 billion in 2020; a 54% increase. Users Growth The global digital banking market registered a revenue of nearly $803.8 billion in 2018 and is anticipated to grow at a 10.0% CAGR, surpassing $1,702.4 billion by 2026. Digital Banking Market Growth 1.8B 2019Users in 3.6B 2024Users in
Mobile apps IBAN / ACH bank account Web app Payment gateway Debit cardKYC/AML onboarding Ready-made and fully customizable neobank applications for Web, Android, iOS platforms with the most advanced features for business and individual users. Turnkey Neobank The Neobank is covering EMI license in the EEA, Banking license in the USA and Brazil, and PCI DSS compliance globally. No need to obtain any license We provide dedicated technical, compliance, and customer support teams, so our clients can focus on business development and customer acquisition. Dedicated professional team Seamlessly integration into any business model and go-to-market 1-3 month time frame. Easy and fast integration Customizable transactional and subscription fees are powerful sources of income for business. Revenue-generating tool White-Label NeobankTurnkey The solution
- €39,50Gema Torres Account or card Dana Scally Anna D. Bronson Nathaniel P. Joseph Julia Denis Chris Carter Adam J. ,78€ 21 987 Send Load Request Kids card **56 Kids card **56 **78MainCard USD Main account $1 298 **78MainCard USD New wallet €12 578,23 Nathaniel P. Joseph Remind You owe me a year. $500 Ann For the € 500 Anna D. Bronson Send Hey, here"s an invoice for the trip last year. I included both — food and hotel rooms €90 9:41 Hello! I’m Vixy. Open a Bank account Hello! I’m Vixy. I'm a bot who will help you open your bank account. When we are done, you will be able to access and use all of your available funds. Let’s begin Open a Bank account 9:41 +44 077 7290 2225 Alex FrontAF Email alexfront@gmail.com Settings Save €500 Sent to Visa *1181 Show details SDKAndroid iOS Web richFuture- Product & experience design with user experience at its core to seamlessly & quickly onboard, increase use-friendliness, and improve retention. Digital-by-Design Enables issuance and management of IBAN and ACH accounts in 30+ currencies for entities and private individuals in the EEA and the USA. Interest-bearing Multicurrency Accounts Cost-savings and new revenue streams provided by a seamless payment gateway that supports 180+ payment methods in 150+ countries. Cost-effective Payment Gateway & Mobile Payments Fully-compliant solution within the EEA, the USA and Brazil. Regulatory Compliance and License Out-of-Box Integration of proprietary MPBN technology for interaction with and storage of all sensitive data storage to eliminate security risks. Highest-level security Branded mobile app, physical, and virtual cards allow businesses to issue their own accounts & cards to make deposits, payments, withdrawals, etc. Fully white-labeled Solutions
IN-A-BOXBANK- BUILT TO BE PLUG-AND-PLAY. OUT-OF-THE-BOX SOLUTIONS. MODULAR BUILDING BLOCKS. Designed to work with your existing infrastructure and systems — whether you have them or not. Fully white-labelled solutions, and instant regulatory compliance and banking licenses in EEA and USA. 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. 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. Optherium Labs is a one-stop-shop, providing everything needed for launching and managing your own neobank. From A-to-Z. Mobile and Web Neobank SaaS Android, iOS, Web applications, Administrator Cpanel Banking-as-a-service infrastructure IBAN&ACHaccounts, debit cards, acquiring, payment processing, payment gateway Dedicated customer support team Online support for IBAN&ACH accounts, debit cards, acquiring, payment processing, payment gateway Dedicated compliance team KYC /KYB/AML, transaction monitoring, fraud prevention, watchlist screening Licenses and Certifications EMIin the EEA, Banking license coverage in 50states ofthe USA &Brazil RegTech SaaS KYC /KYB/AML, transaction monitoring, fraud prevention, watchlist screeningsoftware, Administrator Cpanel DataVault Storage SaaS KYC /KYB/AML, transaction monitoring, fraud prevention, watchlist screeningsoftware, Administrator Cpanel Dedicated technical support team For NeobankSaaS, RegtechSaaS, and DataVaut SaaS Management & Strategy Branding / Marketing / Advertising Business Development Other Our technology — your brand
IndividualsFor 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 Functionality and features
BusinessFor Business IBANs Payment gateway Payroll Invoicing Recurring payments Analytics Custom modules Reporting Loans Insurance Enhanced data security Accounting Simplified business onboarding Deposit & Investment accounts Functionality and features
Your rulesYour Brand. Custom modules Every business has its own unique style, goals, needs, and wishes. And, of course, its unique customers and business model. Optherium Labs offer the custom development and integration solutions to help businesses to succeed. Banks Mobile Telecoms Social Networks eCommerce Gaming Entertainment Travel Communities Financial Institutions Logistics Messengers Retail Gambling Advertisement Hospitality Donations Custom modules for any industry 29 people €8 000€4,4 Updates from Kenya 5 new yesterday + 74 YearAllYour 100 trees “Optherium helped us to design and integrate a user-friendly solution for donations into the “Trees4Shopping” & green forests development. “ Rino Solberg CEO of Better Globe Group
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. Full onboarding through a simple and user-friendly mobile or web interface within 10 minutes and 22-26 clicks, and minimized staff involvement. Batch screening and real-time manual or automated monitoring against 1,600+ watchlists and suspicious activity. Highest-tech, Mobile KYC/KYB Fast & User-friendly Onboarding Global Screening and Transaction Monitoring ONBOARDINGKYC Enhanced data security & compliance White-labelled module onboards, verifies, and authenticates users via intelligent-automation to increase security, decrease costs, minimize risks, and guarantee compliance. User-friendly, 10 min, 22-click client onboarding Onboarding in 22 clicks Login 3 clicks Documents 7 clicks Selfie 3 clicks Address 5 clicks Signing 4 clicks Done Admin panel Scan your ID Scan your face Upload utility bill
authenticationPASSWORDLESS Enhanced data security & compliance Available as a standalone product/module Key component 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. 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. No password. No problem 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. Enhanced Security & Usability Passwordless biometric login is a cost-effective multi-factor authentication method, required by SCA / PSD2 regulations. Regulatory compliant & Safe Face ID / Face Unlock and Fingerprint verification methods Encrypted Biometrics act as user’s Private Key signature Push notification allow instant & cost-effective device confirmation
Data Data Data shredder Data decipher Storage
 (DB) Storage
 (DB) Storage
 (DB) Automatically shreds, encrypts, and distributes protected data pieces across numerous immutable distributed ledgers, eliminating any single points of vulnerability. Data fragments are stored across multi-decentralized private blockchain networks and securely reassembled after access is authenticated via multi-signature logic. System is fully-compliant with regulatory security and data privacy standards of the EU and US, including GDPR, SCA, PCI DSS, and others. Data Encryption Secure Storage, Retrieval, & Access Regulatory Compliant VaultData Enhanced data security & compliance Comprehensive data protection system for enterprise data security, protecting from outsider and insider threats, and ensuring full regulatory compliance. Available as a standalone product/module Key component
use casesWhite-Label Neobank For any type and size of business 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 a 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. Startups & New Businesses 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. Large & Medium Enterprises 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. Traditional Banks & Financial Institutions
NeobankWhite-Label 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 Monthly Subscribers & Monthly Revenue Monthly subscription revenue (€) Numbers of subscribers 1month 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 500000 1000000 1500000 500,000 50,000 100,000 1,000,000 Monthly Banner & Push notification Revenue Monthly revenue / Banner ads (€) Monthly revenue / Push notification 1month 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 500000 1000000 1500000 500,000 50,000 100,000 1,000,000 Monthly cumulative revenue / All sources Total monthly revenue / cumulative (€) 1month 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 500000 1000000 1500000 2,681,920 7,321,920 Average revenue per customer per annum 26.6€ 23.27€ 22.16€ Subscriptions Transactions Advertisement Insurance Loans E-Commerce Investment accounts Deposits Charity DataVault for docs Mortgages Your unique module Statistics by
EEA 1-3 months Global Solution 12-16 months 2-4 months USA & Brazil Any other country 3-6 months timeGo-to-market Your branded neobank
TIMELINEYOUR Preliminary evaluation of the product/opportunity fit and internal decision to focus on agile innovation, customer journey, and the future over the past to fuel growth and competitiveness. 1 OPPORTUNITY 
 IDENTIFIED 45-min walkthrough that shows how we create shareholder value and enable competitive agility, with opportunity to cover technical aspects and receive answers to any questions your team has. 2 Product
 demo 3 Consultative walkthrough that covers your current systems & processes, and helps answer your most strategic business questions, including growth, profitability, and tech-driven transformation. Workshop
 current state 4 Formulating a clear, actionable path that keeps your core business running while investing in the new, thereby enabling you to quickly and confidently pivot to the future. WORKSHOP: 
 TARGET STATE We provide you with a test environment to get started and help finalize a practical roadmap. We conclude our delivery & maintenance contract, in parallel. 5 Roadmap
 & pilot 6 We bring your products online, 
 in cooperation with your technical team, under the agreed-upon implementation plan. Launch & ongoing support
technical implementation roadmap10-day 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 1 2 3 4 5 6 7 8 9 10
diagramArchitecture API adapter Cloud Infrastructure State Control System Banking Core Pluggable additional providers Alternative payment methods Identity Blockchain API adapter Currency exchange Internal ledger Internal ledger Back office Payment gateway Passwordless environment Pluggable additional providers IBAN Provider Card Service Provider Alternative payment methods Digital currencies Cards acquiring Identity Blockchain Phone Service KYC Blockchain 
 Permission 
 Control Data Vault Sensitive information Storage
Optheriumisaglobaltechnologyservices&proprietary productsproviderforbanksandlargeenterprises.Wehelpour clientsunlocktransformativevaluethrough technology-enabledopportunities. Productsandsolutions KYC/AMLOnboarding Identityanddocumentverification platform,softwaredevelopmenttoolsand APIsforultimateregulatorycompliance andautomation. Switzerland,Lucerne,Hertensteinstrasse51 UK,London20-22WenlockRoad,N17GU USA,30WallStreet,8thFl,Suite752NewYork,NY10005 Estonia,4Aia,2ndFl,Suite16,Tallinn,10111 DataVaultStorage DataVaultStorageisanexceptionally secureenvironmentforstorageof sensitivedataanddigitalassets. Whitelabelwebandmobiledigital bankingapplications,poweredwith Optheriumblockchain,AIandsmart contractstechnology. DIGITALBANKING-€39,50GemaTorres Accountorcard DanaScally AnnaD. Bronson NathanielP. Joseph JuliaDenis Chris Carter Adam J. ,78€ 21 987 Send Load Request Kids card **56 Kids card **56 **78MainCard USD Mainaccount $1 298 **78MainCard USD New wallet €12 578,23 Nathaniel P. Joseph Remind Youowemeayear. $500 Ann Forthe € 500 AnnaD. Bronson Send Hey,here"saninvoice forthetrip lastyear. I includedboth — food andhotel rooms €90 9:41 Website: optherium.com Email: info@optherium.com Phone: +12125379492