neobank.build stack browser

REAL APPS,
REAL RAILS.

A structured catalog of stablecoin neobanks and card apps in production. Each stack uses the same category spine so missing pieces and provider choices are obvious at a glance.

stacks

Stablecoin neobank stacks

Avici

verified

Self-custodial card app

Self-custodial neobank and secured Visa Signature card app. Users deposit crypto, manage a smart wallet, and spend through a crypto-backed credit model rather than a pure debit balance.

More crypto-backed credit card plus smart wallet than pure debit.

USEUEVMSolanaVisa

10 layersclick to inspect

L01ComplianceNA

L02Virtual ACH AccountsMoonPay Virtual Accounts + Iron+

Dedicated named US/EU deposit accounts for bank-to-wallet flows.

L03OnrampMoonPay+

Token deposits and bank-to-wallet funding through MoonPay Virtual Accounts.

L04CustodyZeroDev+

Smart-wallet custody with social login, passkeys, EVM support, Solana support, and sponsored gas except Ethereum mainnet.

L05StablecoinUSDC+

Users deposit USDC into a loan escrow smart contract to unlock USD credit balance.

L06SettlementEVM + Solana+

User wallet balances, USDC collateral, swaps, and onchain loan escrow settle across supported EVM and Solana rails.

L07SwapMoonPay+

Low-slippage swaps across supported SPL and EVM tokens.

L08EarnJupiter Lend + Fluid+

Grow and Smart Credit partners for earn and credit surfaces.

L09OfframpRain / internal+

USDC liquidation and routing into card-network settlement appears to be handled by Rain or Avici-owned orchestration; no separate provider verified yet.

L10CardRain + Visa Signature+

User-issued secured credit card model backed by USDC escrow; docs say Rain, Avici, and Visa do not control the loan contract.

ether.fi Cash

research draft

Stablecoin card and earn app

ether.fi Cash combines a non-custodial cash account, stablecoin card spend, and ether.fi earn products. Public docs name Rain, Third National, Visa, USDC/EURC, and OP Mainnet, while some wallet and ramp vendors are not fully disclosed.

Strong fit for the onramp → custody → stablecoin → settlement → offramp → card pattern.

USEUOP MainnetVisaUSDCEURC

10 layersclick to inspect

L01ComplianceRain+

Rain is the named card infrastructure partner and handles program controls for stablecoin card issuance; exact KYC vendor not separately disclosed.

L02Virtual ACH AccountsUnknown+

Public materials do not clearly name a virtual account provider for ether.fi Cash.

L03OnrampRain / internal+

Funding can come from stablecoin and crypto balances; exact fiat funding provider is not fully disclosed.

L04Custodyether.fi Cash+

The product is described as non-custodial cash/wallet infrastructure; exact wallet infrastructure provider is not fully verified.

L05StablecoinUSDC+

USDC and EURC are the core spend/funding assets referenced in public ether.fi Cash materials.

L06SettlementOP Mainnet+

ether.fi Cash publicly migrated card activity to OP Mainnet for lower-cost settlement.

L07SwapUnknown+

In-app or onchain conversion may exist, but a swap provider is not clearly named in public docs.

L08Earnether.fi Earn+

ether.fi Earn and LiquidUSD-style products are the deposit/yield surfaces connected to the app.

L09OfframpRain+

Rain powers stablecoin card conversion/liquidation into card-network settlement.

L10CardRain + Third National + Visa+

The card program is documented as Visa-based, with Third National named in cardholder terms and Rain as the stablecoin card platform.

Gnosis Pay

research draft

Self-custodial EU card account

Gnosis Pay links a Safe-based onchain account, Monerium IBAN rails, Gnosis Chain stablecoin settlement, and a Visa card program through Monavate and Paymentology.

The cleanest fit for virtual accounts, custody, settlement, and card as separate layers.

EUGBGnosis ChainVisaSEPAEURe

10 layersclick to inspect

L01ComplianceSumsub + Elliptic+

Gnosis Pay public partner materials name Sumsub for KYC and Elliptic for KYT/fraud monitoring.

L02Virtual ACH AccountsMonerium+

Monerium provides personal IBAN rails used to cash in and cash out from the onchain account.

L03OnrampMonerium+

SEPA/IBAN transfers mint or fund supported fiat tokens on Gnosis Chain.

L04CustodySafe + Gnosis Pay+

Users spend from a Safe-based Gnosis Card Safe tied to their Gnosis Pay account.

L05StablecoinEURe / GBPe / USDCe+

Gnosis Pay supports Monerium fiat tokens and USDCe as card-spendable balances.

L06SettlementGnosis Chain+

The user account and card-safe balance settle on Gnosis Chain.

L07SwapLi.Fi / DEX routes+

Users can bridge or swap into supported spendable assets through documented routes such as Li.Fi and DEX tooling.

L08EarnNA

L09OfframpMonerium+

Monerium enables cash-out from supported onchain fiat tokens back through IBAN/SEPA rails.

L10CardMonavate + Paymentology + Visa+

Gnosis Pay names Monavate and Paymentology as key card program partners on Visa rails.

KAST

research draft

Stablecoin neobank and card

KAST exposes USD account-style funding, stablecoin balances, multi-chain deposits, swaps, and Visa card spend. Public docs verify many product flows but leave several infrastructure providers undisclosed.

Good example of why unknown/internal provider rows need to exist in production-stack validation.

GLOBALUSSolanaArbitrumEthereumTronVisa

10 layersclick to inspect

L01ComplianceKAST / undisclosed+

KAST terms describe user verification and program controls, but the underlying KYC/KYT vendor is not publicly named.

L02Virtual ACH AccountsKAST / undisclosed+

KAST markets global USD account-style funding; the banking or virtual account partner is not clearly disclosed.

L03OnrampKAST / undisclosed+

Users can fund via ACH/FedWire, stablecoin, and crypto deposits; exact rail partners are not fully named.

L04CustodyKAST / undisclosed+

KAST terms refer to a custodian wallet structure, but the custodian/provider is not public.

L05StablecoinUSDC / USDT+

USDC and USDT are central supported stablecoin balances for funding and spend.

L06SettlementSolana + Arbitrum + Ethereum + Tron+

KAST documents deposits and supported stablecoin networks across these chains, with other networks also referenced in terms.

L07SwapKAST LPs / internal+

KAST terms describe internal liquidity pools and third-party LPs for conversion and trading.

L08EarnNA

L09OfframpRain+

Rain publicly lists KAST as a partner using stablecoin-powered card infrastructure, implying card-spend conversion/offramp support.

L10CardThird National + Visa+

KAST cardholder agreements identify Third National and Visa rails for the card program.

Plasma One

research draft

Stablecoin-native self-custody card

Plasma One is positioned as a self-custodial stablecoin app and card built around USD₮, Plasma settlement, off-ramp/card issuance through Rain, and yield from the Plasma ecosystem.

A clean example where settlement is the chain itself: Plasma.

GLOBALPlasmaUSD₮Visa

10 layersclick to inspect

L01ComplianceUnknown+

Plasma One describes verification and card controls, but a KYC/KYT vendor is not publicly named.

L02Virtual ACH AccountsNA

L03OnrampUnknown+

Plasma One references funding and connected off-ramp features, but specific onramp providers are not public.

L04CustodyPlasma self-custody+

The app is marketed as self-custodial with hardware-backed keys.

L05StablecoinUSDT+

USD₮ is the primary stablecoin asset for the Plasma One account and card experience.

L06SettlementPlasma+

Plasma is the stablecoin-optimized blockchain ledger used for app settlement.

L07SwapUnknown+

A specific swap provider is not clearly disclosed in the public Plasma One materials.

L08EarnPlasma ecosystem+

Plasma One markets up to 5% yield through the Plasma onchain ecosystem.

L09OfframpRain+

Plasma states Rain powers card issuance infrastructure, including converting digital dollars into card spend.

L10CardRain + Visa+

Public Plasma materials reference Rain-powered Visa card issuance; legal docs should be reconciled for exact issuer entity.

Based

research draft

Crypto card and trading app

Based combines a Visa debit card, supported stablecoin/crypto deposits, multi-chain settlement, and Hyperliquid-linked trading. Card issuer and compliance vendors are not clearly disclosed in public docs.

A good validation case for onramp, settlement, swap, and card, with several provider gaps.

GLOBALSolanaArbitrumPolygonHyperliquidVisa

10 layersclick to inspect

L01ComplianceBased / undisclosed+

Based card terms describe account and card controls, but the compliance provider is not publicly named.

L02Virtual ACH AccountsNA

L03OnrampBased / undisclosed+

Users can top up from supported crypto and stablecoin networks; exact funding partners are not public.

L04CustodyBased / undisclosed+

Based provides the wallet/card account experience, but the custody or wallet infrastructure provider is not publicly disclosed.

L05StablecoinUSDT / USDC / XSGD+

Based supports USDT, USDC, and XSGD for funding/spend flows.

L06SettlementSolana + Arbitrum + Polygon + Hyperliquid+

Based documentation references these networks for deposits, trading, or card top-ups.

L07SwapBased / Hyperliquid+

Based includes trading surfaces and Hyperliquid-linked flows; exact swap execution provider is not fully disclosed.

L08EarnNA

L09OfframpBased / undisclosed+

Based auto-converts crypto or stablecoins into fiat/card spend at merchants; the underlying off-ramp provider is not public.

L10CardBased Visa debit+

Based markets a Visa debit card for merchant spend.