"Your bank. Your rules. Powered by blockchain."
NeoBank Chain is the world's first financial super-app that truly unifies:
- 🏦 Traditional banking — IBAN, SEPA, SWIFT, cards, loans
- ⛓️ Decentralized finance — Solana blockchain, DeFi yields, smart contracts
- 🌱 Ethical finance — Interest-free products, profit-sharing financing, values-aligned
- 🤖 AI-powered banking — Claude AI as your personal financial advisor
- 💼 Professional B2B tools — Letters of credit, trade finance, documentary collections
We are not a crypto wallet. We are not a neobank. We are not an ethical bank. We are all of them — in one single app.
🏦 Traditional Finance ⛓️ Decentralized Finance
────────────────────── ────────────────────────
IBAN & bank accounts 🔗 Solana blockchain wallet
SEPA / SWIFT transfers Instant P2P transfers ($0.001)
Fiat currencies Crypto & stablecoins
Regulated loans DeFi lending & yield farming
KYC / AML compliant Permissionless access
Apple Pay / Google Pay Smart contracts
☪️ Ethical finance Transparent on-chain data
B2B trade finance Programmable money
│ │
└──────────────┐ ┌────────────┘
▼ ▼
🚀 NeoBank Chain
"Your bank. Your rules. On blockchain."
| Problem | Solution |
|---|---|
| 1.7 billion unbanked people worldwide | Full account with just a smartphone |
| Average international transfer fee: 6.3% | Instant transfers at $0.001 via Solana |
| 1.8 billion ethical finance seekers excluded from interest-based banking | 100% values-aligned products built-in |
| DeFi too complex for mainstream users | Banking UI hiding blockchain complexity |
| No single app bridges CeFi + DeFi | NeoBank Chain — first true bridge |
| SMEs blocked from trade finance | Blockchain-powered Credoc & documentary collections |
| No AI financial advisor for everyone | Claude AI integrated as personal banker |
- Single KYC → instant IBAN + Solana wallet simultaneously
- Fiat (EUR, USD, MAD, GBP...) + Crypto (SOL, USDC, BTC...) in one balance
- Real-time conversion between any currency
- Apple Pay & Google Pay integration
- Route optimizer: automatically selects cheapest + fastest path
- CeFi: SEPA (EU), SWIFT (global), local payment rails
- DeFi: Solana P2P — confirmation in under 1 second
- Cross-border: send any currency, receive in local currency
- Virtual card available within minutes of signup
- Physical card linked to unified wallet
- Spend fiat or crypto anywhere worldwide
- Ask anything: "What's my best yield?" / "Send $200 to Ahmed" / "Explain my spending"
- Real-time financial advice personalized to your portfolio
- AI fraud detection and smart alerts 24/7
- Speaks your language, understands your culture
- Interest-free financing (profit-sharing financing, partnership financing, investment partnership)
- values-aligned savings and investment products
- Zakat calculator and transparent charitable giving
- Certified by recognized international ethical boards
- AI selects optimal yield strategy for your risk profile
- Jito staking (~7.8% APY), Kamino USDC (~5.2% APY), Solend
- Risk clearly labeled: Low / Medium / High
- One-tap deposit and withdrawal — no technical knowledge required
- Letters of credit (Credoc) on blockchain — 7 days → 2 hours
- Documentary collections & international trade finance
- Multi-currency business accounts with IBAN
- Enterprise API for banking integrations
- International payroll & corporate treasury management
- Biometric authentication (Face ID / fingerprint)
- Self-custody: private keys never leave your device (Secure Enclave)
- Smart contract audits by Halborn / OtterSec
- JitoBAM MEV protection — zero front-running
- Real-time AI fraud detection (ML-powered)
NeoBank Chain
├── Mobile App → React Native (iOS & Android)
├── Backend API → Node.js + Express + GraphQL
├── Blockchain → Solana Mainnet (Alpenglow — 150ms finality)
├── Smart Contracts → Rust / Anchor Framework
├── AI Assistant → Claude (Anthropic)
├── DeFi Protocols → Jupiter, Jito, Kamino, Solend, Pyth
├── CeFi Integrations → Stripe, MoonPay, SEPA/SWIFT
├── KYC/AML → Jumio + AI-powered verification (30 seconds)
├── Database → PostgreSQL + Redis
└── Infrastructure → AWS Multi-region + IPFS
| Market | Size 2026 | Growth |
|---|---|---|
| Global neobank market | $552 billion | +13% CAGR |
| DeFi market | $238 billion | +26% CAGR → $770B by 2031 |
| ethical fintech | $223 billion | +13.8% CAGR → $619B by 2033 |
| Cross-border payments | $250 trillion/year | +34% CAGR (DeFi rails) |
| Unbanked population | 1.7 billion people | 50% in ethical finance seeker-majority countries |
No single competitor addresses all these markets simultaneously.
NeoBank Chain is free for individual users.
Revenue:
- Transaction micro-commissions: 0.1%–0.5%
- DeFi yield spread: 0.3%–0.5%
- Premium card & subscription: €9.99/month
- B2B API licensing & trade finance fees
- Ethical finance product structuring fees
| Phase | Timeline | Milestone |
|---|---|---|
| Phase 1 — Foundations | Apr–Jun 2026 | Docs, design, community, Solana grant |
| Phase 2 — Prototype | Jul–Dec 2026 | Working prototype + pre-seed $150K |
| Phase 3 — MVP | Jan–Sep 2027 | Full MVP + fintech license + seed $500K–$1M |
| Phase 4 — Beta | Oct 2027–2028 | Public beta 50K users + Series A $5–10M |
| Phase 5 — Global Scale | 2029+ | 1M users, full product suite |
- 1.7 billion unbanked — access full banking with just a smartphone
- 1.8 billion ethical finance seekers — first true CeFi+DeFi Ethical finance super-app
- Diaspora & migrants — send money home instantly at near-zero cost
- Entrepreneurs & SMEs — trade finance, international payments, treasury
- Crypto users — manage DeFi with a banking-grade interface
- Traditional bank customers — upgrade to blockchain-powered banking
NeoBank Chain is open source. We welcome contributors from all worlds:
From traditional finance: fintech experts, compliance officers, banking professionals From blockchain: Solana/Rust developers, smart contract auditors, DeFi specialists From everywhere: designers, product managers, community builders
git checkout -b feature/your-feature
git commit -m 'feat: add your feature'
git push origin feature/your-feature
# → Open a Pull RequestCurrently pursuing:
- Solana Foundation Grant — applying now (up to $100K, free)
- Ethical finance VCs — GCC institutional investors
- Crypto-native VCs — Multicoin Capital, Paradigm, Pantera
- Fintech accelerators — Y Combinator, Techstars
- Email: neobankchain@gmail.com
- GitHub: github.com/machrouh35/NeoBank-Chain
NeoBank Chain — Your bank. Your rules. On blockchain. 🚀
The world's first CeFi + DeFi + Ethical finance + AI super-app. Built on Solana. Powered by Claude AI. Open to everyone.
Version 2.0 — April 2026
