Secure Crypto Trading Platform For Neobanks

If you lead a digital bank, your customers already expect crypto inside your app. Stablecoins alone settled tens of trillions of dollars in 2024, and exceeded card networks by several percentage points, signaling real payment utility at scale. At the same time, the EU’s MiCA regime is live for stablecoins and phases  as of June 30, 2024 with broader CASP rules applying from December 30, 2024, reducing regulatory ambiguity for banks in the EU. Put simply, demand is here, the rules are clearer, and waiting now risks ceding ground to faster movers.

Launch Regulated Crypto in Weeks, Not Years

The fastest path to regulated crypto is an API-first, modular exchange that plugs into your existing app and web stack. It ships fast, stays on brand, and scales without refactoring the core.

API-First Approach to Compliant Crypto Trading

The fastest path is an API-first, modular exchange that drops into your existing mobile and web channels. A fully re-skinnable client keeps the experience on brand, while a unified API layer standardizes market data, order handling, and risk logic across spot and derivatives. Central operator consoles give your teams one place to set fees, manage user permissions, route liquidity, and review live audit logs. This approach cuts integration time, reduces operational drift between teams, and lets you add products without rebuilding the core.

Unify Custody and Payments for Seamless Settlement

Security and settlement should run as one flow. Use a digital asset ledger that links identities to wallets and records every trade, transfer, and administrative action for straightforward reconciliation. Align wallet design to risk with cold storage for reserves and hot wallets for venue liquidity. Protect keys with multi-signature, HSM, or MPC to remove single points of failure. Connect fiat rails to wallets with invoicing and multi-currency support so treasury and finance can move funds quickly with full audibility.

Build Compliance Into Every Transaction

Compliance is most effective when built in. Run KYC, KYT, and Travel Rule checks pre- and in-transaction, enforce IP allowlists, geofencing, role-based access, withdrawal whitelists, and time locks, and keep real-time audit trails of users, wallets, trades, and admin actions. Schedule proof of reserves with credible controls to show how client balances and margin are secured. With these controls at the system level, you get the transparency regulators expect and the speed clients demand.

Balance Governance and Speed with Hybrid Custody

Most institutions now run third-party or hybrid custody because it balances speed with governance. Standardized custody APIs plus a shared ledger shorten funding cycles, keep reporting consistent across on-chain and off-chain events, and reduce operational surprises for both brokers and traders. The result is cleaner day-to-day operations and lower effort to scale.

Case Study: Streamlining Crypto for a Regional Neobank

A regional neobank integrated crypto trading into its mobile app with strict KYC gating, segregated client wallets, predictable reconciliation, and an operator view that finance and compliance could audit.

The team connected the app to a white-label exchange via APIs, mapped KYC tiers to trading permissions and withdrawal limits, enabled hybrid custody with a shared ledger, activated spot pairs through aggregated liquidity, and scheduled automated reports for daily reconciliation and monthly compliance reviews. The pilot went live in under eight weeks with production controls.

Outcomes

• Fewer funding and withdrawal exceptions as policy checks ran before every move.
• Lower support volumes after users gained clear histories and receipts in-app.
• Faster finance sign-off due to automated daily reconciliation files and monthly compliance packs.
• Risk approved more trading pairs after seeing consistent audit trails.

Where Shift Markets Fits

Shift Markets helps neobanks launch regulated crypto trading in record time. Our exchange stack includes everything from custody to liquidity, compliance, and fiat rails, so your team focuses on clients, not integration headaches. With over 150 successful launches, we’ve proven that security and speed can coexist.

With more than 150+ launches across exchanges and brokerages, Shift Markets offers the building blocks to reach production fast and scale with confidence. If you are planning a secure crypto rollout, connect with our team team can to go live fast while meeting the standards your brand and regulators need.