Case Studies/Neobank
Neobank4 min read

Finia added crypto wallets and a Mastercard without building infrastructure

A European neobank with 200K+ users wanted to offer crypto wallets and a branded Mastercard — but their engineering team had no crypto expertise and a 12-week product deadline.

🏧
Client Snapshot
IndustryNeobank / Digital Bank
Users200,000+
MarketEU (MiCA jurisdiction)
ChallengeCrypto product in 12 weeks
ProductsBROsettlement + BROwallet + BROcard
Integration time3 weeks
The Challenge

What they were up against.

⏱️

12-week product deadline — no crypto expertise

The product team committed to launching crypto features in Q2. Their engineering team had never built crypto infrastructure — MPC, key management, and on-ramp were entirely new domains.

🔧

Multiple vendors, multiple contracts

Initial vendor research showed they'd need a custody provider, a separate wallet SDK, an on/off-ramp partner, and a card issuer — four contracts, four integrations, four timelines.

📜

MiCA compliance from day one

Operating in the EU meant full MiCA compliance requirements: AML screening, travel rule, KYC flows, and proof of reserves — all before onboarding the first crypto user.

💳

Users demanded crypto spending, not just holding

User research showed 78% of their customer base wanted to spend crypto — not just hold it. A wallet without a card was a non-starter.

The Solution

One integration. Full stack. Three weeks.

BROsettlementBROwalletBROcard
🏛️

BROsettlement — Custody backbone

MPC 2-of-3 wallets for all 200K users provisioned via API. Non-custodial from day one — users hold keys, the bank holds none.

💚

BROwallet — White-label crypto wallet

Branded crypto wallet deployed under the neobank's identity. On/off-ramp via SEPA and Mastercard built in — no Transak integration needed.

💳

BROcard — White-label Mastercard

Physical and virtual Mastercard issued under the bank's brand. Auto-convert crypto to EUR at point of sale. Apple Pay and Google Pay supported from launch.

📜

MiCA compliance out of the box

AML screening, KYC flow integration, travel rule compliance, and proof of reserves — all included. Zero additional compliance engineering required.

Neobank App
Mobile · Web · 200K+ existing users
BroLabel Full Stack
BROsettlement · BROwallet · BROcard APIs
Compliance + Fiat Rails
AML · MiCA · KYC · SEPA · SWIFT
Mastercard Network + 100+ Chains
90M+ merchants · ETH · SOL · BNB · TON...
Integration

How it fits into
their stack.

BroLabel integrated as an API layer between the client's product and the blockchain. Their team kept full control through RBAC — BroLabel handled MPC cryptography, multi-chain nodes, and compliance infrastructure.

📅
Sandbox to production in days
Pre-funded testnet environment let the team validate all flows before touching production assets.
🔐
Ed25519 auth secured from day one
Per-request asymmetric signing with IP whitelisting and nonce-based replay protection.
🤝
Dedicated integration support
BroLabel's integration team on Slack throughout — no ticket queue, no async delays.
Results

The numbers.

3 weeks
integration timeline
vs. 6-month multi-vendor estimate
40K+
crypto wallets activated
in the first month
1
vendor contract
vs. 4 originally scoped
MiCA
compliant from day one
zero compliance engineering
78%
card activation rate
among crypto wallet users
$0
crypto infra built in-house
team focused on product
We went from zero crypto infrastructure to a full-stack crypto product — custody, wallet, and Mastercard — in three weeks. One API, one team to call, one SLA. That's what made BroLabel the obvious choice.
C
CPO, Finia
Chief Product Officer
Anonymized — EU neobank, 200K users
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