Infrastructure for Neobanks & Banking Apps

Neobanks sell the experience; the accounts sit with a sponsor bank. Roots helps digital banking apps set up named accounts, money movement and optional stablecoin features through our service partners’ sponsor-bank infrastructure.
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Payment solutions for neobanks & digital banking apps

How these solutions fit neobanks & digital banking apps

See what each option adds to the way your business takes and tracks payments.

Embedded Payments

For neobanks & digital banking apps: Put checkout for financial-platform transactions and account services inside your software, keeping payment events connected to customer and operating records. Our service providers issues named accounts through sponsor banks and structures programs for bank visibility, which addresses the ledger gaps behind recent BaaS failures. Provided through our licensed banking and money-transmission partners.
  • Scope the program: accounts, money flows, and which parts need a sponsor bank
  • Package your business plan and compliance program for partner and sponsor-bank review
  • Build or support the API integration and your customer onboarding flows
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Multi-Currency Payments

For neobanks & digital banking apps: Collect financial-platform transactions and account services in the currencies your customers use and reconcile them against the original order or invoice. Add foreign-currency balances and international payments to your neobank through our service partners’ multi-currency infrastructure. Provided through service partners coordinated by Roots.
  • Match your currency corridors to our service partners’ coverage before you apply
  • Prepare entity and beneficial-ownership documentation for KYC approval
  • Connect multi-currency balances and FX activity to your accounting system
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Stablecoin Settlement

For neobanks & digital banking apps: Explore stablecoin settlement for amounts owed to verified platform merchants and account users, with recipient and invoice references retained. Offer stablecoin wallets and conversion next to traditional accounts, with clear separation between insured deposits and uninsured digital assets. Provided through service partners coordinated by Roots.
  • Decide where stablecoins actually improve your settlement, and where ACH or wire is still the better rail
  • Coordinate onboarding with our service partners and scope the payment program around your volume
  • Build the reconciliation between on-chain transactions and your ledger
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ACH Payments

For neobanks & digital banking apps: Offer bank-account payments for financial-platform transactions and account services, with authorization and invoice matching built into the workflow. Customers fund and move money through ACH. Roots integrates ACH, account verification and return handling into your app.
  • Set up ACH processing matched to your risk profile and volume
  • Design authorization language and flows with your compliance team
  • Integrate ACH into your app, portal or billing system
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Transfer initiated

$1,959.99 · ref ACH-7731

Instant Payouts

For neobanks & digital banking apps: Plan faster disbursements to verified platform merchants and account users, matching each transfer to approved earnings or completed work. Our service partners list FedNow access from its Growth tier. Roots integrates real-time transfers where receiving banks participate. Provided through our licensed banking and money-transmission partners.
  • Figure out which of your recipients can actually receive real-time payments
  • Set funding and limit rules so instant payouts don't outrun your balances
  • Build the event-to-payout integration in your platform
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Neobanks & Digital Banking Apps payment questions

Start with the workflows your business needs. Options on this page include Sponsor-Bank Accounts for Neobanks, Global Accounts for Neobank Customers, Stablecoin Wallets for Neobanks. Roots helps compare the setup, software and processing requirements around how you operate.
Yes. Bring your current POS, checkout or billing tools and recent processing statements. We review customer payment collection, settlement preferences and reconciliation, then plan the changes your neobanks & digital banking apps business needs.
Request a quote for your business. The review covers your payment mix, locations, software, hardware recommendations and implementation work. Consultations and payment reviews are free.
Bring recent payment statements, the systems you use and a record of how a customer places an order, receives a service or pays a bill. Tell us which neobanks & digital banking apps workflows need to improve so we can scope a practical setup.

Let’s set up payments for your neobanks & digital banking app business

Book a free 30-minute payment review to compare costs, address payment problems and plan your next steps.
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