Decentralized Neobanking

Overview: Build a scalable, borderless neobank platform that puts users in control of their assets from day one. Hybrid-Chain allows you to offer a fully decentralized wallet experience, complete with deposits, swaps, cross-chain transfers, bill payments, and merchant support—all without ever taking custody of user funds.

Platform Benefits: Hybrid-Chain enables you to deploy your own white-labeled wallet infrastructure backed by self-custody Hybrid-Vaults and RSA-secured identity. You can offer everything a traditional bank does—balance tracking, multi-currency support, identity verification, and even payment cards—without hosting a single user deposit.

Integration Flow:

1. User Onboarding & Wallet Provisioning:

   • Use RegisterUser(), Enable2FA(), and CreateVault() to provision secure, user-owned wallets

   • Use optional identity verification APIs for KYC integration

2. Asset Deposits & Multi-chain Wallet Support:

   • Display deposit addresses for each supported asset (BTC, ETH, USDT, etc.)

   • Indexers monitor chains and push deposit confirmations to the core ledger

   • Balances update instantly using GetWalletBalance()

3. Currency Conversion and Swaps:

   • Integrate TokenSwap() to allow instant asset conversion across supported pairs

   • Include spread logic or market rates from internal liquidity pools or aggregators

4. Payments & Transfers:

   • Users can send funds using SecureSend() (email, phone, or wallet ID)

   • Cross-border, cross-chain transfers are automatically routed and abstracted

   • Optionally allow fiat bill pay or mobile money integrations via third-party gateways

5. Spending Tools and Extras:

   • Generate VirtualCard() or link vaults to a real debit card

   • Enable spending controls, token limits, and category tagging

   • Introduce savings products, staking options, or reward tokens

6. Admin Tools & Compliance:

   • Access transaction logs, KYC data, flagged activity, and risk analytics via Admin Dashboard

   • Set AML triggers, transfer limits, or wallet blacklisting rules dynamically

Optional Add-ons:

• Launch a native stablecoin or utility token to provide fee discounts or cashback

• Offer personal or business-level accounts with tiered access

• Automate tax calculation, invoice generation, and regulatory exports

• Enable API access for embedded finance use-cases

Note: Operating a neobank—even in decentralized form—may still fall under e-money, VASP, or money transmission regulations in certain jurisdictions. Ensure your product structure aligns with applicable legal frameworks.