Fintech infrastructure provider FinHarbor said on Thursday that it has repackaged its Hybrid Neobank Module into a unified launch stack combining regulated fiat banking with a centralized exchange engine, giving digital asset companies and financial platforms a single-vendor deployment option.
The Cyprus-based company said the new structure is designed to replace the common pattern of assembling exchange engines, banking integrations, compliance layers and treasury tooling from multiple providers.
FinHarbor is trying to replace a four- or five-vendor build with one launch stack.
The stack bundles IBAN accounts, card issuing, payments and crypto-fiat exchange under a unified orchestration layer. Clients integrate through one API and operate under a single contract, with a shared data model, one audit log and compliance logic that runs across all modules, the company said.
Companies can operate under their own EMI, PI or VASP licence, or work through a licensed banking partner. The platform supports both models and is aligned with MiCA and DORA, according to the release.
“Connecting APIs from several vendors isn’t the difficult part,” said Ilya Podoynitsyn, CEO of FinHarbor. “The real challenge is making those components behave like a single product, with unified compliance rules, a shared audit trail and enough flexibility to avoid vendor lock-in.”
Speeding up
FinHarbor said one EU-licensed fintech company used the platform to launch a full neobank in 28 days, including IBAN accounts, card issuance and crypto-fiat exchange. The company said the only delays came from compliance approvals at the partner bank, not technical implementation.
The company also said launching a neobank from scratch typically requires 15–20 engineers, more than a year of development, and roughly €1.5–2 million before the first customer opens an account.
FinHarbor first marketed the platform in March as a modular neobank stack that could go live in under 30 days. Thursday’s announcement repackages that as a single-stack pitch for crypto-native financial products. The company has also pointed to a recent deployment for Asterium in Uzbekistan.
