Neobank App Development – How to Build a Web3 Neobank

The demand for crypto-related services is growing, which is why Web3 APIs are now essential for neobank app development. With Moralis’ API suite, you can easily supercharge your neobank with full crypto support. Integrate real-time prices, up-to-date wallet insights, token analytics, NFT tracking, and more with just a single API call. Build smarter, ship faster, and deliver the next-gen banking experience users deserve!

To begin, we’ll look at a brief code example that showcases the accessibility and power of Moralis’ APIs. Here’s how easy it is to get a wallet’s fully decoded transaction history:

import fetch from 'node-fetch';

const options = {
 method: 'GET',
 headers: {
   accept: 'application/json',
   'X-API-Key': 'YOUR_API_KEY'
 },
};

fetch('https://deep-index.moralis.io/api/v2.2/wallets/0xda74Ac6b69Ff4f1B6796cdDf61fBDd4A5f68525f/history?chain=eth', options)
 .then(response => response.json())
 .then(response => console.log(response))
 .catch(err => console.error(err));

Calling the endpoint above gives you a detailed transaction timeline, complete with event summaries, address labels, category tags, and more. Get human-readable data straight out of the box: 

{
  //...
  "result": (
    {
      "hash": "0xe153a83ec0e392d4edbccf196ca9ac6cd76d3e332ef3d4ee935dbabfb1386861",
      "nonce": "2123343",
      "transaction_index": "52",
      "from_address_entity": null,
      "from_address_entity_logo": null,
      "from_address": "0x7830c87c02e56aff27fa8ab1241711331fa86f43",
      "from_address_label": null,
      "to_address_entity": "Coinbase",
      "to_address_entity_logo": "https://entities-logos.s3.us-east-1.amazonaws.com/coinbase.png",
      "to_address": "0xa9d1e08c7793af67e9d92fe308d5697fb81d3e43",
      "to_address_label": "Coinbase: Hot Wallet",
      "value": "0",
      "gas": "2000000",
      "gas_price": "2567061474",
      "receipt_cumulative_gas_used": "3895360",
      "receipt_gas_used": "211982",
      "receipt_contract_address": null,
      "receipt_status": "1",
      "block_timestamp": "2025-02-07T16:54:11.000Z",
      "block_number": "21795951",
      "block_hash": "0x22de8b12221a7901519ec150466737257519b15403419c0c316f465555c2e205",
      "transaction_fee": "0.000544170825381468",
      "method_label": null,
      "nft_transfers": (),
      "erc20_transfers": (),
      "native_transfers": (
        {
          "from_address_entity": "Coinbase",
          "from_address_entity_logo": "https://entities-logos.s3.us-east-1.amazonaws.com/coinbase.png",
          "from_address": "0xa9d1e08c7793af67e9d92fe308d5697fb81d3e43",
          "from_address_label": "Coinbase: Hot Wallet",
          "to_address_entity": null,
          "to_address_entity_logo": null,
          "to_address": "0xcb1c1fde09f811b294172696404e88e658659905",
          "to_address_label": "reubenrjs.eth",
          "value": "300000000000000000",
          "value_formatted": "0.3",
          "direction": "receive",
          "internal_transaction": true,
          "token_symbol": "ETH",
          "token_logo": "https://cdn.moralis.io/eth/0x.png"
        }
      ),
      "summary": "Received 0.3 ETH from Coinbase: Hot Wallet",
      "possible_spam": false,
      "category": "receive"
    },
    //...
  )
}

With Moralis, you only need a single endpoint to build powerful features – such as detailed transaction timelines – for your Web3 neobank! 

To learn more about other endpoints and benefits, join us as we dive deeper into Moralis’ neobank API. Or, if you’re eager to start building, get your API key for free using the button below!

Overview

More and more people are getting into crypto, and they’re now expecting banking apps that handle both fiat and crypto, all in one place. For neobanks, this is a massive opportunity to stand out. However, building crypto support from scratch is both tedious and time-consuming. Fortunately, that’s where Web3 APIs come in. With the proper tools, you can avoid all the heavy lifting and streamline the otherwise complex Web3 neobank app development process.

But which is the best neobank API? And how can you use it to build your own project? 

In today’s guide, we cover the overall steps for building a neobank and introduce you to the industry-leading Web3 API provider. Let’s dive straight in! 

What is a Neobank?

A neobank is a bank that only operates online, providing conventional services like loans, payments, checking accounts, and more through an application or website. With intuitive interfaces, round-the-clock access, and innovative features, neobanks typically appeal to users looking for flexibility and accessibility in their banking experience.

Here are some key benefits of using a neobank: 

• Intuitive Design: Neobanks typically feature intuitive interfaces, ensuring a smooth and seamless experience for all users.
• Low Fees & High Rates: Without physical branches, neobanks are able to charge lower fees and offer more competitive interest rates compared to traditional banks.
• Innovative Features: Neobanks often feature innovative tools, such as crypto integrations, virtual credit cards, and real-time budgeting tools.
• Global Accessibility: Anyone with a computer and access to the internet can use neobanks, which means they are perfect for reaching unbanked populations.
• 24/7 Access: Neobanks give users the ability to manage their finances around the clock. 

In short, neobanks are digital-only financial institutions that offer a more convenient and flexible banking experience!

Neobank App Development: Steps & Considerations When Building a Web3 Neobank

Let’s briefly cover key steps and considerations of neobank app development, from market research to building and maintaining your project: 

1. Market Research: Study the competition, identify gaps in the market, and define your target audience. By doing so, you give your project a clear purpose and advantage, ensuring that it has a solid, long-term position in the space.
2. Licenses & Regulations: To run a neobank, you need the proper licenses. Here, it’s smart to bring in legal experts early, as they can help you navigate regulations, handle paperwork, etc.
3. Hire Developers: Assemble a solid team of competent developers by either outsourcing or hiring in-house talent.
4. Design Your Bank: Design your neobank with the user at the center. Prioritize easy navigation, a clean interface, and features that meet their demands.
5. Build the Project: When building your Web3 neobank, it’s crucial to pick the right tech stack. Select proper frameworks, trustworthy API providers, etc., that align with your team’s expertise and long-term goals.
6. Test the App: After building your website or application, you need to test it thoroughly. Focus on unit tests, integration tests, end-to-end tests, quality assurance, etc., to ensure that your project works as intended.
7. Deploy & Maintain: When everything works, you need to launch your website or application. Also, after deploying your neobank, it is essential to closely monitor it to ensure everything runs smoothly.

For a more detailed breakdown of the steps above, please check out our guide on how to build a neobank! 

Why Neobanks Need to Embrace Crypto

The growing interest in crypto is changing the financial landscape. It’s no longer an option to only offer traditional banking services, as users expect complete control of both their fiat and crypto assets – all in one place.

To meet growing demand, neobanks are rapidly adding crypto support. And it’s not only a great way to stand out in the market, but it also unlocks other income streams through trading fees, spread margins, and features such as staking. As such, having crypto support is quickly going from a ”nice-to-have” to a necessity for staying competitive.

That’s where Moralis for Developers takes the stage. Instead of building Web3 infrastructure from scratch, you can use Moralis’ APIs to instantly access real-time token prices, wallet balances, transaction history, and more with just a single request. 

To learn more about this, join us below as we explore Moralis further and show you how to build a Web3 neobank with ease!

Build a Web3 Neobank with Moralis for Developers

Moralis for Developers is the industry’s leading crypto data provider, featuring top-tier Web3 APIs and next-generation RPC nodes designed to make on-chain data integration a breeze. Get a wallet’s decoded history, query token balances, integrate real-time prices, and much more with only a single API call. Enrich your neobank with world-class Web3 features without breaking a sweat! 

Here’s a quick overview of why developers choose Moralis as their neobank API provider: 

• Cross-Chain Support: With support for all major blockchain networks, including Solana, Ethereum, BNB Smart Chain (BSC), Optimism, Base, and more, you can build cross-chain compatible crypto features for your neobank using one single unified toolkit. 
• Comprehensive APIs: Moralis’ APIs and RPC nodes are outcome-oriented, giving you more data with fewer requests. Build detailed transaction timelines, comprehensive portfolio views, and other critical features – all with single endpoints.
• Enterprise-Grade Security: Moralis holds a SOC 2 Type 2 certificate, highlighting our commitment to maintaining enterprise-grade security and reliability across all tools and features.

With an overview, let’s dive into our suite of development tools and show you how easy it is to build a Web3 neobank when working with Moralis!

Exploring APIs for Neobank App Development

In Moralis’ suite of Web3 APIs, you’ll find many prominent interfaces. Unfortunately, we won’t be able to cover all of them in this tutorial. Instead, we’ll focus on the following three, which are great for Web3 neobank app development:

1. Wallet API
2. Token API
3. NFT API 

If you’d like to explore all available interfaces, please visit the Web3 API page.

Wallet API: Get a Wallet’s Token Balances, Net Worth, & Transaction History

The Wallet API makes integrating wallet-related data from all major chains into your neobank a breeze. Get a wallet’s fully decoded history, token balances with prices, net worth, profitability, DeFi positions, and much more with just a single API call. Use this premier tool to build everything from comprehensive portfolio views to detailed transaction timelines without breaking a sweat.

Here are a few endpoints you’ll find particularly useful for Web3 neobank app development: 

• /wallets/:address/net-worth: Query the net worth of a wallet, along with individual breakdowns for all supported chains.
• /wallets/:address/profitability/summary: Get the total profitability of a wallet. 
• /wallets/:address/defi/positions: Query a wallet’s DeFi positions.
• /wallets/:address/tokens: Get a wallet’s token balances with real-time prices.
• /wallets/:address/history: Fetch a wallet’s fully decoded transaction history. 

To show you the power of the Wallet API, let’s take a closer look at how you can use this tool to get a wallet’s portfolio data. Here’s a sample script: 

import fetch from 'node-fetch';

const options = {
 method: 'GET',
 headers: {
   accept: 'application/json',
   'X-API-Key': 'YOUR_API_KEY'
 },
};

fetch('https://deep-index.moralis.io/api/v2.2/wallets/0xcB1C1FdE09f811B294172696404e88E658659905/tokens?chain=eth', options)
 .then(response => response.json())
 .then(response => console.log(response))
 .catch(err => console.error(err));

Running the code above will give you the specified wallet’s token balances, complete with prices, price changes over time, logos, portfolio percentages, and more. Here’s what it can look like: 

{
  //...
  result: (
    {
      token_address: '0xae7ab96520de3a18e5e111b5eaab095312d7fe84',
      symbol: 'stETH',
      name: 'Liquid staked Ether 2.0',
      logo: 'https://logo.moralis.io/0x1_0xae7ab96520de3a18e5e111b5eaab095312d7fe84_cd0f5053ccb543e08f65554bf642d751.png',
      thumbnail: 'https://logo.moralis.io/0x1_0xae7ab96520de3a18e5e111b5eaab095312d7fe84_cd0f5053ccb543e08f65554bf642d751.png',
      decimals: 18,
      balance: '1',
      possible_spam: false,
      verified_contract: true,
      total_supply: '9397922583152920915482411',
      total_supply_formatted: '9397922.583152920915482411',
      percentage_relative_to_total_supply: 0,
      security_score: 94,
      balance_formatted: '0.000000000000000001',
      usd_price: 2310.478869260248,
      usd_price_24hr_percent_change: -3.361417378353862,
      usd_price_24hr_usd_change: -80.36628448761167,
      usd_value: 2.310478869260248e-15,
      usd_value_24hr_usd_change: -8.036628448761161e-17,
      native_token: false,
      portfolio_percentage: 2.2603434706955337e-15
    },
    //...
  )
}

Token API: Get Real-Time Prices, Holders, & Pairs

With the Token API, you can effortlessly get real-time prices, holders, pairs, OHLCV data, and more with just a single API request. Utilize this world-class API to easily develop interactive candlestick charts, token analytics tools, and other premium features for your Web3 neobank platform.

Here are some key Token API endpoints you’ll likely find helpful: 

• /erc20/:address/price: Fetch the real-time price of any token denominated in the chain’s native currency and USD.
• /erc20/:address/swaps: Query a list of all swap-related transactions for a token.
• /erc20/:token_address/owners: Get a list of a token’s top holders.
• /erc20/:token_address/pairs: Fetch all supported pairs of a token.
• /pairs/:address/ohlcv: Get OHLCV candlestick data for any pair address. 

To highlight the accessibility of the Token API, we’ll now show you how easy it is to get the real-time price of any token: 

import fetch from 'node-fetch';

const options = {
 method: 'GET',
 headers: {
   accept: 'application/json',
   'X-API-Key': 'YOUR_API_KEY'
 },
};

fetch('https://deep-index.moralis.io/api/v2.2/erc20/0x7d1afa7b718fb893db30a3abc0cfc608aacfebb0/price?chain=eth&include=percent_change', options)
 .then(response => response.json())
 .then(response => console.log(response))
 .catch(err => console.error(err));

Calling the endpoint above will provide the price of the specified token, displayed in both USD and the native currency of the chain. Also, the response is complete with price changes over time, logos, spam indicators, and other essential data: 

{
  tokenName: 'Matic Token',
  tokenSymbol: 'MATIC',
  tokenLogo: 'https://logo.moralis.io/0x1_0x7d1afa7b718fb893db30a3abc0cfc608aacfebb0_89c931b3fcf74fe39db7a195bf8a3aa5.png',
  tokenDecimals: '18',
  nativePrice: {
    value: '120155125729897',
    decimals: 18,
    name: 'Ether',
    symbol: 'ETH',
    address: '0xc02aaa39b223fe8d0a0e5c4f27ead9083c756cc2'
  },
  usdPrice: 0.2781797175413043,
  usdPriceFormatted: '0.278179717541304328',
  exchangeName: 'Uniswap v2',
  exchangeAddress: '0x5C69bEe701ef814a2B6a3EDD4B1652CB9cc5aA6f',
  tokenAddress: '0x7d1afa7b718fb893db30a3abc0cfc608aacfebb0',
  priceLastChangedAtBlock: '21939226',
  blockTimestamp: '1740678023000',
  possibleSpam: false,
  verifiedContract: true,
  pairAddress: '0x819f3450da6f110ba6ea52195b3beafa246062de',
  pairTotalLiquidityUsd: '465303.06',
  '24hrPercentChange': '1.2687099195220788',
  securityScore: 55
}

NFT API: Get Balances, Metadata, & Floor Prices

The NFT API is your go-to tool for fetching NFT-related data across Solana and all major EVM chains. Use this premier tool to get NFT balances, metadata, floor prices, transfers, and much more. With the NFT API, you can effortlessly enrich your portfolio views with NFTs, build NFT-Fi tools, and much more. 

Here are some endpoints you’ll find useful when building a Web3 neobank: 

• /:address/nft: Get the NFT balance of any wallet.
• /:address/nft/transfers: Fetch all NFT transfers of a wallet.
• /:address/nft/collections: Query the NFT collections owned by a wallet.
• /nft/:address/:token_id/floor-price: Get the floor price of an NFT.
• /nft/:address/:token_id: Fetch the metadata of an NFT.

To highlight the power of this premier tool, we’ll now show you how to get the metadata of any NFT. Here’s a sample script: 

import fetch from 'node-fetch';

const options = {
 method: 'GET',
 headers: {
   accept: 'application/json',
   'X-API-Key': 'YOUR_API_KEY'
 },
};

fetch('https://deep-index.moralis.io/api/v2.2/nft/0xbd3531da5cf5857e7cfaa92426877b022e612cf8/4307?chain=eth', options)
 .then(response => response.json())
 .then(response => console.log(response))
 .catch(err => console.error(err));

Running the endpoint above will give you the metadata of the specified NFT, enriched with rarity rankings, prices, and much more:

{
  amount: '1',
  token_id: '4307',
  token_address: '0xbd3531da5cf5857e7cfaa92426877b022e612cf8',
  contract_type: 'ERC721',
  owner_of: '0xf9bce92da0d4b8253077a6851a32bbd059e2a5a4',
  last_metadata_sync: '2025-02-27T18:04:56.017Z',
  last_token_uri_sync: '2025-02-27T18:04:50.744Z',
  metadata: '{"attributes":({"trait_type":"Background","value":"Purple"},//…"}',
  block_number: '21935687',
  block_number_minted: '12878236',
  name: 'PudgyPenguins',
  symbol: 'PPG',
  token_hash: 'ec0e59113005f6f5451527b8ddc2eb16',
  token_uri: 'ipfs://bafybeibc5sgo2plmjkq2tzmhrn54bk3crhnc23zd2msg4ea7a4pxrkgfna/4307',
  minter_address: '0x5d9e720a1c16b98ab897165803c4d96e8060b8e4',
  rarity_rank: 644,
  rarity_percentage: 7.25,
  rarity_label: 'Top 8%',
  verified_collection: true,
  possible_spam: false,
  collection_logo: 'https://i.seadn.io/s/raw/files/cdf489fb69fd11886b468c0f7ff1376c.png?w=500&auto=format',
  collection_banner_image: 'https://i.seadn.io/s/primary-drops/0xbd3531da5cf5857e7cfaa92426877b022e612cf8/809912:about:media:a21a43b4-972a-4d72-a651-3bea2c285683.jpeg?w=500&auto=format',
  floor_price: '9.444',
  floor_price_usd: '21965.365',
  floor_price_currency: 'eth'
}

Check out Moralis’ Web3 documentation to learn more about the APIs above and other premier tools!

Common Web3 Features in Neobank App Development

There are numerous top-tier features you can build using Moralis’ neobank API. Here are four prominent use cases we’ll cover below: 

1. Portfolio View
2. Price Charts
3. Transaction Timeline
4. Token Search

Let’s look at examples of these four use cases and cover the endpoints you need to build them!

Portfolio View

All neobanks require a comprehensive portfolio view, displaying users’ token holdings, net worth, profitability, DeFi positions, and more. This will give your users an overview of all their digital assets and their performance. Here’s an example of what it can look like: 

To build a portfolio view like the one above, you need a few endpoints: 

• Token Balances: /wallets/:address/tokens
• NFT Balances: /:address/nft
• Net Worth: /wallets/:address/net-worth
• Profitability: /wallets/:address/profitability/summary
• DeFi Positions: /wallets/:address/defi/positions

In short, when using Moralis and our premier APIs, you gain seamless access to all the data needed to build comprehensive portfolio views for your Web3 neobank. 

Price Charts

A useful feature for neobanks is interactive candlestick charts, which provide users with insight into both real-time and historical price data. That way, they can effortlessly analyze both short- and long-term trends to make more informed investment decisions. Here’s an example of what it can look like: 

To build charts like this, you only need a single endpoint: /pairs/:address/ohlcv. This will return an array of timestamps that feature open, high, low, and close prices, along with swap and volume data. As such, with Moralis, you can power your candlestick charts using only a single API call. 

Transaction Timeline

Neobanks can also benefit from detailed transaction timelines, giving users insight into their past actions. Here’s what it can look like: 

The data you need to build a timeline like the one above comes from a single call to the /wallets/:address/history endpoint. This endpoint returns the fully decoded history of the specified wallet, including event summaries, address labels, category tags, and additional details. 

One endpoint gives you everything you need to build an in-depth transaction timeline!

Token Search

A prominent feature that neobanks can benefit from is a fast, reliable token search. That way, it becomes possible for users to seamlessly find the tokens they’re looking for. Here’s an example of what it can look like: 

Integrating token search functionality that provides verified results and supports partial matches is simple when working with Moralis. In fact, you only need one endpoint for this: /tokens/search. With this endpoint, you can effortlessly search for any token by name, symbol, address, or pair address. 

To learn more about how this works, please check out the Token Search API!

Summary: Neobank App Development – How to Build a Web3 Neobank

The easiest way to build a Web3 neobank is to use Moralis – the industry’s leading crypto data provider. With our premier suite of Web3 APIs, you can now streamline neobank app development and build features like portfolio views, transaction timelines, price charts, and more with minimal development effort. 

Here are some key tools that will aid you in your neobank app development efforts: 

• Wallet API: Get a wallet’s history, DeFi positions, profitability, token balances, net worth, and more.
• Token API: Query real-time prices, swaps, holders, snipers, pairs, etc. 
• NFT API: Fetch NFT metadata, transfers, prices, owners, and much more.

So, if you’re looking for a seamless way to build a Web3 neobank, register for a free Moralis account today!