Top Crypto Neobank API 2025 – Crypto Banking Wallet API – Moralis for Developers

Neobanks are increasingly becoming a staple of modern finance. To build a comprehensive neobank, crypto APIs are essential. Moralis’ API suite lets you build a neobank with full crypto functionality, complete with real-time prices, live wallet insights, NFT tracking, token analytics, and more. Use Moralis to power the all-in-one crypto neobank your users expect!

To get started, we’ll look at a quick code example that highlights the power of Moralis API responses. With just a single call, you can fetch the fully decoded transaction history of any wallet:

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));

Running the script returns a complete timeline, enriched with human-readable category tags, transaction summaries, address labels, and more. Here’s a sample response:

{
  //...
  "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"
    },
    //...
  )
}

A single Moralis endpoint like this lets you start building advanced features like a wallet timeline. And the above example is just a small taste of how you can add crypto support to your neobank with Moralis!

Want to dive deeper? Stick around as we explore everything Moralis’ neobank APIs have to offer. Or, if you’re ready to start building, sign up for a free account below!

Turinys:

Overview

Neobanks are growing in popularity, and competition is heating up. To stand out, you need an edge, and crypto is the perfect opportunity. As crypto holdings grow increasingly mainstream, crypto support is becoming essential for neobanks. So, how can neobanks easily add crypto features? The answer is neobank APIs, which streamline crypto data integration and empower developers to build faster, smarter, and more efficiently.

However, which crypto neobank API is the best? And how can you use neobank APIs to unlock powerful new features?

To answer the above questions, stick with us as we explore the #1 crypto neobank API of 2025 and show you how to start building with it. Let’s jump in!

What is a Neobank?

A neobank is a digital-only financial company that operates without physical branches. It offers traditional financial services – including checking accounts, savings accounts, loans, payments, and more – through mobile applications or websites. And they typically appeal to customers looking for flexibility and convenience in their banking experience.

Here are some of the main benefits of neobanks:

Low Fees & High Rates: By avoiding unnecessary overhead costs, a neobank can generally charge lower fees and offer more competitive interest rates than traditional financial institutions.
User-Friendly Design: Clean, intuitive apps and websites ensure a smooth and user-friendly digital banking experience.
Global Accessibility: Anyone with internet access can use neobank services, making them ideal for reaching unbanked and underserved populations.
Innovative Features: Neobanks offer innovative features like crypto integrations, real-time budgeting tools, virtual cards, and much more.
24/7 Access: Manage finances anytime through always-on web and mobile platforms.

In short, a neobank is a digital-only bank offering low fees, high interest rates, innovative features, and global access – all through a streamlined app or website.

Neobanks are Embracing Crypto

As cryptocurrencies gain popularity and move towards the mainstream, financial institutions increasingly adopt crypto-related services, with neobanks like Revolut leading the charge.

First and foremost, let’s look at the reasons why neobanks are embracing crypto.

Growing Demand: As more people invest in crypto, neobanks seize the opportunity to provide crypto services to meet growing demand.
Competitive Advantage: Traditional banks are slow to act, giving neobanks an opportunity to stand out and capture greater market share through faster adoption of new crypto technologies.
Fast & Low-Cost Transactions: Crypto facilitates faster, cheaper international transfers, especially in regions with limited banking infrastructure.
New Revenue Streams: Crypto services unlock additional income streams through trading fees, spread margins, and value-added features like staking.
Transparency & Security: With inherent transparency and security features, blockchain technology helps position neobanks as trustworthy financial solutions.

All in all, crypto integrations allow neobanks to differentiate, grow, and thrive in a fast-moving financial landscape!

Meet the Leading Crypto Neobank API Provider: Moralis for Developers

To build crypto features for your neobank platform, you’ll need a reliable API for fetching and integrating real-time on-chain data. The top choice for this is Moralis for Developers.

Moralis is an industry-leading crypto data provider, supplying top-tier APIs and RPC nodes designed to streamline your developer experience. Get the tools and resources needed to easily integrate crypto data into your neobank solution – all in one place.

Why do companies choose Moralis as their crypto neobank API provider?

Streamlined Developer Experience: Moralis streamlines Web3 development with outcome-focused APIs that reduce the number of calls needed to build sophisticated features. Fetch a wallet’s decoded history, token balances with real-time prices, and more – all in a single request.
Full Cross-Chain Support: With full cross-chain support, you can use Moralis’ unified toolkit to build crypto neobank solutions covering the entire Web3 ecosystem. Supported networks include Solana, Ethereum, BNB Smart Chain (BSC), Optimism, Base, Polygon, and many more.
Enterprise-Grade Reliability & Security: With a SOC 2 Type 2 certification, we ensure robust security and enterprise-level reliability across all APIs and tools.

All in all, Moralis offers secure, cross-chain compatible APIs that deliver more data with fewer calls, making it easy for you to build crypto neobank features and tools!

Exploring Moralis’ Crypto Neobank API

Moralis’ APIs include a range of use-case-specific interfaces to help you effortlessly integrate on-chain data into your neobank platform. Here are three key examples we’ll cover in today’s guide:

Wallet API
Token API
NFT API

To explore all our interfaces, check out all of Moralis Web3 APIs!

Wallet API: Get Wallet History, Token Balances, & Net Worth

The Wallet API is an industry-leading API for fetching and integrating wallet-related data into crypto projects. With this top-tier tool, you can easily build comprehensive portfolio views, decoded transaction timelines, and more for your crypto neobank platform.

Here are some key endpoints of the Wallet API:

/wallets/:address/history: Get the fully decoded history of a wallet, including swaps, transfers, and contract interactions.
/wallets/:address/tokens: Query a wallet’s token balances with prices.
/wallets/:address/defi/positions: Fetch all DeFi positions of a wallet.
/wallets/:address/net-worth: Get the total net worth of a wallet, along with breakdowns for each blockchain network.
wallets/:address/profitability/summary: Retrieve a wallet’s total profitability.

To demonstrate the comprehensiveness of the Wallet API, let’s look at a sample script for fetching a wallet’s decoded history. Here’s what it can look like:

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 will give you the specified wallet’s full history, enriched with address labels, transaction categories, event summaries, and much more. As such, with this premier tool, you 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"
    },
    //...
  )
}

Please explore the Wallet API documentation to learn more about the capabilities of this tool.

Token API: Fetch Real-Time Prices, OHLCV Data, & Swaps

With the Token API, you can fetch and integrate token data from all major EVM chains and the Solana network into your project. Use this premier API to build interactive price charts, analytics features, and other similar tools for your neobank app or website without breaking a sweat.

Let’s explore some key endpoints of this top-tier tool:

/erc20/:address/price: Fetch the price of a token, shown in both USD and the chain’s native currency.
/pairs/:address/ohlcv: Get OHLCV candlestick data for a pair address.
/erc20/:address/swaps: Query all swap-related transactions for a token, enriched with categories, labels, and more.
/erc20/:token_address/pairs: Fetch all supported pairs for a token.
/erc20/:token_address/owners: Query all major holders of a token with insight into ownership percentages.

To highlight the power of the Token API, let’s look closer at how you can use this interface to get OHLCV candlestick data for any pair address. 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/pairs/0x88e6a0c2ddd26feeb64f039a2c41296fcb3f5640/ohlcv?chain=eth&timeframe=1h&currency=usd&fromDate=2024-12-25&toDate=2025-01-01', options)
 .then(response => response.json())
 .then(response => console.log(response))
 .catch(err => console.error(err));

Running the code above returns a series of timestamps based on your query parameters, including open, high, low, and close prices, as well as volume and swap data:

{
  //...
  result: (
    {
      timestamp: '2025-01-01T00:00:00.000Z',
      open: 3331.696480420306,
      high: 3356.4217239746795,
      low: 3331.5069326442967,
      close: 3356.4217239746795,
      volume: 3528532.8710554917,
      trades: 234
    },
    //...
  )
}

Check out the Token API documentation to test this interface and learn more about the remaining endpoints.

NFT API: Query NFT Balances, Metadata, & Prices

The NFT API is a top-tier tool for querying NFT-related data from all major blockchain networks. Use it to enrich portfolio views with NFTs, power NFT-Fi analytics, and integrate other similar features into your neobank.

Here are a few prominent endpoints of the NFT API:

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

To demo the accessibility of the NFT API, let’s look at a sample script for fetching balances. Here’s what it can look like:

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/v2.2/0xf9bCe92da0D4b8253077A6851a32bBD059E2A5A4/nft?chain=eth', options)
 .then(response => response.json())
 .then(response => console.log(response))
 .catch(err => console.error(err));

Running the above script will give you a list of all NFTs owned by the wallet, enriched with metadata, rarity labels, traits, spam indicators, and more for each token:

{
  (
    {
      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: false,
      possible_spam: false,
      collection_logo: null,
      collection_banner_image: null,
      floor_price: '9.444',
      floor_price_usd: '23565.759',
      floor_price_currency: 'eth'
    },
    //...
  )
}

To learn more about this premier tool, please explore the NFT API documentation page.

Crypto Neobank API Use Cases

The Moralis neobank API has many use cases, allowing you to easily build everything from comprehensive wallet solutions to token analytics tools. Here are a few prominent examples we’ll dive deeper into today:

Portfolio View
Price Chart
Transaction Timeline

Let’s break down these three examples below and see how Moralis’ API suite can help you build them!

Portfolio View

With the neobank API, it’s easy to build a comprehensive portfolio view, showing a wallet’s token holdings, profitability, net worth, DeFi positions, and much more. Here’s an example of what the feature can look like:

Let’s look at a brief summary of key endpoints you need to build the example above:

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

All in all, the neobank API provides all the data you need to build a full portfolio view with ease!

Price Chart

The neobank API makes it easy to build interactive candlestick charts for crypto tokens. Here’s an example built using the Token API:

To build a chart like the one above, you just need one endpoint: /pairs/:address/ohlcv. This endpoint returns an array of timestamps that include open, high, low, and close prices, along with volume and swap data.

As such, when using the #1 neobank API, you can fetch all the data required to power interactive candlestick charts without breaking a sweat!

Transaction Timeline

Seamlessly build a comprehensive wallet timeline showing the user’s decoded on-chain history. Here’s an example of what the feature can look like:

All the data you need comes from a single request to the /wallets/:address/history endpoint. Calling this endpoint will provide the full transaction history of the specified wallet, including event summaries, category tags, address labels, and much more.

That’s it. One endpoint provides everything you need to build a full transaction timeline!

Summary: Top Crypto Neobank API 2025 – Crypto Banking Wallet API

The neobank market is heating up, meaning neobanks need to stay competitive. With rising demand for crypto, there’s a clear opportunity to gain a competitive edge. So, how can you easily add crypto features to your neobank platform? The answer is Moralis – the industry’s leading neobank API provider!

Moralis is a top-tier crypto data provider, giving you the resources to easily integrate crypto data into your website or application. Here are some of the key tools of the neobank API:

Wallet API: Get a wallet’s full transaction history, net worth, profitability, DeFi positions, and much more.
Token API: Fetch token prices, OHLCV data, swaps, holders, pairs, snipers, etc.
NFT API: Query NFT metadata, transfers, owners, prices, stats, balances, and much more.

With the tools above, you can build everything from interactive crypto charts to portfolio views for your neobank platform without breaking a sweat.

So, if you’re looking for an easy way to supercharge your neobank and gain an edge in the market, sign up for a free Moralis account today!

Are you also interested in how Moralis compares to other crypto data providers? Check out our comparison guides, which explore the QuickNode API and DEXScreener API!

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