White Label Neobank

Launch Your Own Financial Infrastructure

Launch your own neobank under your brand: IBAN accounts, crypto wallets, KYC & non-KYC cards, and full payment infrastructure — built on globally regulated providers.

Banking Cards Payments Compliance Infrastructure

White Label starting from $40,000

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Watch the White Label presentation

A full walkthrough of the infrastructure, packages, regions and connection process — review it before your call.

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Step 1 — Introductory Call

Book a meeting with a bank representative

Pick a time that works for you. We'll review the presentation, your use-case and the preliminary compliance fit, and outline your path to launch.

Who Uses Xeleven

Designed for

Built for serious operators who need regulated financial infrastructure under their own brand.

Fintech companies

Payment systems

OTC platforms

Crypto businesses

Remittance systems

High-risk merchants

Enterprise payment providers

This is for you if

You run an operating business or fintech project
You have at least $40,000 for launch
You want to operate banking under your own brand
You're ready to pass a compliance review and sign an NDA

This is not for you if

You don't have an operating business
You don't have at least $40,000 to launch your neobank
You're looking for a fast, hands-off side project
You can't meet basic KYC / AML requirements

What Client Receives

Complete White-Label infrastructure

Everything required to run a fully branded neobank — delivered as one operational layer.

01

Banking

IBAN accounts
SEPA / SWIFT
Payment routing

02

Cards

Virtual & physical
EU / UK / US BINs
Issuing infrastructure

03

Client Systems

Web banking
Mobile application
Onboarding & admin dashboard

04

Compliance

KYC / AML
Monitoring systems
Risk layer

Base White Label

The core neobank, launched under your brand.

White-label banking system
Onboarding infrastructure
Web banking & admin dashboard
Payment infrastructure
IBAN integrations
Regions: Switzerland · UK · Malta

Card Infrastructure

Issue your own cards on regulated BINs.

KYC cards — EU / UK BINs
No-KYC cards — EU / UK / US BINs
Card programs & issuing
Virtual & physical cards

Additional Modules

Scale the structure as you grow.

Branded mobile application
Chat Mini App onboarding
API integrations (custom)
Multi-jurisdiction expansion

Complete packages start from $40,000. Exact scope and pricing are tailored on your call.

How It Works

YOUR BRAND

XELEVEN INFRASTRUCTURE

Banking / Cards / Compliance / PSP / Crypto

Global Regulated Providers

One operational layer for enterprise fintech infrastructure.

You operate fully under your own brand. Xeleven sits between you and a network of globally regulated banking, card, compliance, processing and crypto providers — so you launch in weeks instead of years.

Why Xeleven?

01

Existing Infrastructure

Direct access to established, regulated providers.

02

Faster Deployment

Rapid infrastructure launch — in weeks, not years.

03

Multi-Jurisdiction Access

Infrastructure across multiple regions and BINs.

04

Enterprise Architecture

Built for scalable transaction volumes.

05

Integrated Compliance

Built-in KYC, AML and monitoring systems.

06

White-Label Flexibility

Operate fully under your own brand.

Connection process

A clear path from first call to a live, branded neobank.

01

Presentation Review & Intro Call

We walk through the infrastructure and your use-case.

02

Preliminary Compliance Review

We confirm fit and jurisdiction options.

03

White Label Agreement

Scope, terms and deliverables are signed.

04

Initial Payment

Project kicks off after the first payment.

05

Software & Infrastructure Agreements

Provider and technical agreements are finalized.

06

Onboarding & Integration

Your branded neobank is integrated and launched.

Estimated deployment timeline: approximately 2 weeks.

Build Your Financial Infrastructure

Launch a ready-made neobank for your business — or earn by opening accounts for your clients

For your business

Run a fully branded neobank — accounts, cards and payments under your own name.

As a revenue stream

Open and operate accounts for your clients and earn on the infrastructure you provide.

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Frequently asked questions

Do I get my own banking license?

No. You operate under Xeleven's regulated infrastructure and licensed providers — under your own brand. You get the product and operational layer of a neobank without applying for your own license, which would normally take years and significant capital.

Which jurisdictions and regions are available?

The base White Label covers Switzerland, the UK and Malta, with EU / UK / US BINs available for card programs. Additional jurisdictions can be added through API integrations and multi-jurisdiction expansion. Exact availability is confirmed during the compliance review.

How long does it take to launch?

The estimated deployment timeline is approximately 2 weeks from agreement and initial payment, depending on scope, jurisdiction and how quickly onboarding documents are provided.

How much does it cost?

Complete White Label packages start from $40,000. Final pricing depends on the modules you need — card programs, mobile app, chat Mini App and API integrations. We outline the exact scope and cost on your call.

What's the difference between KYC and No-KYC cards?

KYC card programs run on EU / UK BINs with full identity verification. No-KYC programs run on EU / UK / US BINs with reduced onboarding friction. The right setup depends on your use-case and compliance profile, which we assess together.

What is required from me to get started?

An operating business, the budget to launch (from $40,000), and willingness to pass a preliminary compliance review and sign an NDA. API documentation, licensing information and provider details are shared only after preliminary approval, compliance review and execution of the NDA.

Can I really earn by opening accounts for clients?

Yes. Beyond running a neobank for your own business, you can offer branded accounts and cards to your own clients and build a revenue stream on the infrastructure you provide. We'll walk through the model on the call.