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.
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.
One integration. Full stack. Three weeks.
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.
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.
The numbers.
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.
Ready to launch?
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