Driver · 01
Smartphone adoption
A pocket-sized branch the operator ships in days, not decades.
Neobanking and fintech platform
The Veengu platform allows you to run e-money and wallets, digital-banking mobile apps, and multi-currency wallets — from one cloud-native stack.
e-Money & WalletsDigital banking appsMulti-currency wallets
Background
What is a neobank?
A neobank — sometimes called a challenger bank or digital bank — is a financial-services provider that operates entirely through mobile and web channels, with no physical branches. The product is the app: account opening, KYC, debit cards, transfers, analytics and customer support all live inside it. The infrastructure underneath is cloud-native by default.
Driver · 02
Regulatory openness
Digital onboarding accepted by an expanding list of supervisors.
Driver · 03
Consumer UX expectations
A generation that compares its bank to its messaging app.
Two operating models
Operators typically pick one of two paths.
Veengu supports both models. The platform sits behind the operator
regardless of where the licence lives — the operator chooses how much of the
regulated stack they own.
What you can run on Veengu
Twelve capabilities behind every neobank build.
Onboarding, products, channels, the integration layer, and everything around it — configurable per tenant.
Digital onboarding
Instant onboarding via mobile app or dashboard screens. Images and document flows.
Flavours of debit & prepaid products
Debit, prepaid, multi-currency accounts. Communities and corporate structures.
Social banking
Send money to everybody within your platform. Involve people who are not involved with marketing transfers, bonuses and coupons.
KYC flow
Configurable workflows with third-party integration to support local AML and KYC regulations.
Multiple currencies
Multi-currency wallet, instant currency conversion with fair-consent user experience.
Integration with third parties
Integration with processors, payment providers, PSPs and payment aggregators.
Card issuing
Token-based integration with Paymentology and Network International. Virtual cards, Apple Pay and Google Pay supported.
White-label banking apps
Source-available iOS and Android apps published under your developer accounts. Customise the brand, the UX, the channel mix.
Operator back office
Veengu Dashboard with approval workflows, queues and exception handling. Granular roles and permissions for every operator role.
Pricing engine
Configurable fees, limits, tiers and counters. Cashback, FX margins and membership pricing — per profile, per channel.
Reporting & regulatory outputs
Operational dashboards plus deterministic end-of-day snapshots feeding regulatory reports. Audit trail covers every state change.
High availability
Multi-zone by design; multi-region for cross-border. No single weak spot — traffic shifts on zone failure with no end-user impact.
Off to an easy start
Launch without the heavyweight overhead.
Most e-money projects require significant capital investment into heavyweight software platforms, infrastructure and vendor implementation services.
Veengu solves this problem. We offer an end-to-end 24/7 secure cloud service with ready-made mobile apps and portals for end-users, plus a back office for service-provider operations.
Fig. · Corporate banking · Payroll · B2B payments
Why Veengu
How the Veengu platform accelerates a neobank launch.
The platform was built to remove the recurring blockers that delay neobank programmes: long vendor implementation cycles, opaque pricing, brittle integration boundaries, and compliance retrofits late in the project.
01
Speed to live in weeks, not years
Configurable feature packages turn most of the launch effort into operator decisions, not vendor change-requests. Greenfield deployments have gone from contract to sandbox in four to eight weeks.
02
Scope-based pricing, no per-seat or per-transaction tax
Each engagement is quoted across four components — implementation fee and custom development as one-time costs, SaaS / licence and customisation maintenance as recurring — with capacity scaling already built in. Full first-year launches typically clear the USD 70K floor and grow with the operator, not with seat counts.
03
Compliance built into the platform, not bolted on
KYC orchestration, configurable workflows, immutable audit trail, regulatory-reporting outputs, and tokenised card-data handling — compliance posture you can defend at audit.
04
Scale that has already been proven
Ten-plus customer deployments in production, including a single tenant carrying more than five million accounts. The same platform you launch on is the platform you grow on.
05
Modular, not monolithic
Pick the modules you need today — wallets, cards, transfers, agent network, FX, business-process automation — and add the rest as your roadmap matures. Each module is configurable per tenant.
06
Brand and source-code control
White-label apps published under your store accounts, REST API for your own front-end builds, and an optional source-code handover so you can fork your own product when you are ready.
Get the quote
Thinking about launching another neobank? Talk to us.
Tell us about your project — regulatory licence, target geographies, expected scale, integration constraints. The more concrete the scope, the faster we come back with a quote and clear next steps.
We respond within three business days. Inquiries with a clear regulatory licence, target geography and integration list move fastest.
Project scope
Tell us about your project
Your partner in financial innovation
One platform for your neobank — and everything around it.
A comprehensive software suite for different verticals in financial services, configurable to implement your vision with our platform and professional services. Build unique fintech solutions across the world with our modular, cloud-native platform.
Future-proof
e-Money. Digital banking apps. Multi-currency wallets.
Veengu empowers financial institutions with cutting-edge tech solutions. Build unique fintech offerings across the world with our modular, cloud-native platform.
Related solutions
Other Veengu solutions.
Digital wallet platform
Individual and merchant wallets. Marketplaces. Electronic money.
ReadEMI software
Software stack for licensed electronic-money institutions.
ReadMobile money
Agent networks, USSD / app channels, cash-economy use cases.
ReadWhite-label mobile wallet
Source-available wallet app for fast brand launches.
ReadCross-border remittance
Multi-party orchestration with online FX and compliance.
ReadEmbedded finance
Wallets and payment instruments inside non-fintech products.
ReadCustomers who built with Veengu
Live deployments from operators with shapes like yours.
Operators that built digital-banking propositions on Veengu — transformations and greenfield launches both.
🇿🇼
Wallet-to-Bank transformation
A wallet operator transitioned to full digital banking under regulator oversight — running on the Veengu core through the migration and after.
Core migrationMulti-currencyRBZ reportingCard issuing
3M+
end-users on a single deployment
Greenfield digital wallet
A new wallet launched from scratch for a Caribbean market — onboarding, accounts, payments and an agent network on day one.
SaaS · AWSGreenfieldBill payAPI-first
~3 mo
platform tech-readiness, SaaS launch
🇦🇪
Digital merchant acquisition
A digital onboarding flow for merchants — wallet-led, mobile-first, signed off by the supervising regulator.
UAE PassSalesforcee-SignatureHigh conversion
Self · Assisted
two acquisition modes, one backbone
Underneath every Veengu solution
The same platform under every deployment.
Whichever solution you launch, you launch on the same Veengu platform. These are the modules a typical operator turns on.
System of record
Profiles, accounts, balances, immutable postings.
ReadCore banking
Ledger, postings, settlement, end-of-day cycles.
ReadKYC orchestration
Multi-tier KYC, progressive limits, audit trail.
ReadWhite-label mobile apps
Source-available reference apps for mobile, web and agent.
ReadCard issuing
Token-based integration with Paymentology and Network International.
ReadHigh availability
Multi-zone by design; multi-region for cross-border.
ReadAbout Veengu
Modular core software for regulated fintech operators.
Veengu provides modular core-banking and payment-orchestration technology for regulated digital financial services — across the Middle East, Africa, and beyond. We do not provide financial services, payment processing, or regulated fintech activities; we provide the software an operator runs to do them.
Dubai · Belgrade (partner)
Discuss your neobank project
Bring your regulatory licence, target geographies, expected scale and integration constraints. We respond within three business days.