Institutional financial infrastructure

We build client-owned, licensed neobanks for banks

For banks, fiduciary and trust companies, and other financial institutions.

01

Design and structuring

We design the structure, select the licence type and model the integrations.

02

Licensing and GR

We determine the licensing country, lead negotiations, handle government relations (GR), legal work and investor relations (IR), and manage passporting.

03

Connectivity and integration

Direct connectivity to key nodes of the global financial system: T2, SEPA, SEPA instant payments, SWIFT, Visa, Mastercard and others.

04

Infrastructure management

We test and launch the neobank, then manage the infrastructure, its development and risks throughout its lifecycle, if required.

The result

You own a neobank directly integrated into the global financial system.

Licensed and regulated financial infrastructure for strategic and operational needs. The capabilities available depend on the licence type, jurisdiction, connections and regulatory requirements.

Capabilities

A neobank’s infrastructure offers a range of functions comparable to that of a traditional bank. Restrictions apply to deposits, lending (except short-term lending) and certain other activities.

SWIFT
SEPA
TARGET2
SEPA Instant
EUR-IBAN
US RTN
VISA
MasterCard
Multi-currency
$ € £ ¥ 元 ...
Alipay+
Payments
Cards
FX
t+0
AML
KYC
KYB
Escrow
etc...

Integration coverage

EU
US and Canada
MENA
LATAM and Mercosur
South-East Asia
South Africa

The bank–neobank combination creates qualitative and quantitative strategic opportunities for business development and risk management.

Banks own neobanks. A European focus

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The result

What is a neobank

Neobank is an established business term. Neobanks are regulated entities with financial licences issued by national central banks. Depending on the licensing country and region, these licences may be called EMI, PEMI, PI and so on. A neobank can open payment accounts, process transfers, issue cards, exchange currencies, and manage the financial system and its flows. Some banking functions — deposits, lending and investments — are available to neobanks only in partnership with traditional banks.

Why this matters to a bank or financial institution

An alternative payment circuit under your ownership.
Fewer intermediary banks and lower costs for most operations.
The ability to provide services under an alternative brand and move part of the risk outside the bank’s perimeter.
Reputational benefits.
Cross-currency operations.
Direct integration into global financial infrastructure, including the EU, the US and Asia.

The number of neobanks in the EU in 2026

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Limitations

In practice, this is a bank without branches, with the functions of a traditional bank. The main restrictions concern deposits and lending, except for short-term lending; some of these functions may also be provided through a partner bank

AML and KYC

If the neobank is licensed, for example in the EU, it is subject to European AML and KYC directives. Clients receive KYC from a licensed European financial company, which is particularly important for subsequent capital flows and KYT and KYB checks.

We build client-owned, licensed neobanks

Our clients are banks, financial institutions, large corporates, wealthy families, family offices and crypto companies.

From idea to the launch of a live neobank and subsequent operational management.ния.

Operating model: success fee and performance-based management fee.

More about Norlerr

Approach · principles · scope

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Disclaimer. Norlerr is not a consulting company and has not provided, and does not provide, consulting services to third-party organisations.

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