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ProductsWhite-label neobank

Build your bank.

Pick the features, drop in your brand and watch a real banking app come together. What you build in the Studio is what ships to iOS, Android and the web, typically 4–6 weeks from kickoff.

Open the Studio in sandbox Book a build review
NorthwindStudio
SandboxSubmit for review

Features

6 added · 1 waiting

Accounts

Cards

Money movement

Grow

Need something custom?

Extend it with SuperAPI →

Live preview · updates as you build

Savings pots added

Northwind

Checking ••4821

$4,218.30

Rainy day pot$480.00

48% of a $1,000 goal

NorthwindDebit
•••• 4821DEBIT
Send
Deposit
Savings

Activity

Payroll deposit

ACH · Today

+$2,140.00

Corner Market

Card ••4821 · Today

−$18.62

Brand

Colour#B08D3E
Corners

Compliance

Managed by Omniwire
  • Bank disclosure3 screens
  • Card issuer noticeCard tab
  • KYC at sign-upOnboarding

Added as you add features. They can't be edited away.

Launch checklist

7 of 10

Try it: add Credit Builder, rename the app, switch to Android.

F for full screen · Esc to exit

Parts· What's in the box

Every feature comes pre-wired.

Nine features, each already connected to the partner bank, the ledger, the card network and the disclosures it needs. Pick one to trace it.

Accounts

Cards

Money movement

Grow

IncludedCards

Debit cards

Virtual and physical debit cards in your own card art, issued through our authorized card partner.

Wired in
Card issuer notice, card program, fraud rules
Shows up in
Home, Card

Need a screen the Studio doesn't have?

Build it yourself on SuperAPI. Same program, same ledger, same compliance, with your own code on top.

Read the SuperAPI docs Request access
~/northwind-app — zshSandbox
// Your own screen, on the same program
const account = await ow.accounts.create({
  program: "northwind",
  product: "checking",
  holder:  customer.id,
});
201 Createdacct_7Qm1Xeprogram=northwind

Brand· Make it yours

Your name on every screen.

Colour, logo, card art, typeface and corners are yours. The screens a regulator reads stay locked, so a rebrand can't break compliance.

KKestrel

Checking ••4821

$12,904.17

KestrelDebit
•••• 4821DEBIT
SendDepositSavings
Payroll deposit+$2,140.00
Corner Market−$18.62
Kestrel is not a bank. Banking services provided by an FDIC-insured partner bank.
KKiln

Checking ••4821

$1,086.52

KilnDebit
•••• 4821DEBIT
SendDepositSavings
Payroll deposit+$2,140.00
Corner Market−$18.62
Kiln is not a bank. Banking services provided by an FDIC-insured partner bank.
NNorthwind

Checking ••4821

$4,218.30

NorthwindDebit
•••• 4821DEBIT
SendDepositSavings
Payroll deposit+$2,140.00
Corner Market−$18.62
Northwind is not a bank. Banking services provided by an FDIC-insured partner bank.

Same app, three demo brands.Northwind#B08D3E

Yours to set

  • App name, icon and logo
  • Colours, light and dark
  • Card art
  • Typeface and corners
  • Domain and store listings

Locked, managed by Omniwire

  • Bank and FDIC disclosures
  • Identity checks at signup
  • Card network marks

Compliance· Who does what

The regulated parts come wired in.

Every responsibility is patched to whoever leads it. Pick a column to see what each party owns.

Who leads and who supports each compliance responsibility
Responsibility
Holds deposits
No rolePartner bank leadsNo role
KYC and KYB
Omniwire leadsPartner bank supports or approvesNo role
AML and fraud monitoring
Omniwire leadsPartner bank supports or approvesNo role
Disclosures and terms
Omniwire leadsPartner bank supports or approvesNo role
Issues the debit card
Omniwire supports or approvesPartner bank leadsNo role
Customer support
Omniwire supports or approvesNo roleYou leads
Your product, pricing and brand
No rolePartner bank supports or approvesYou leads
LeadsSupports or approves
How compliance works at Omniwire

Launch· Kickoff to go-live

4–6 weeks.

That's a typical launch, from kickoff to your first customer. Each step sits on one wire, and the Studio's Launch tab tracks it as you go.

  1. Week 1KickoffKYB and program design
  2. Week 2BuildFeatures and brand in the Studio
  3. Week 3 · NowConnectYour systems wired in, sandbox testing
  4. Week 4ReviewPartner bank review
  5. Week 5ListingsApp Store and Google Play, Console training
  6. Week 6Go-liveYour first customers onboard

Example plan, shown in week 3. Timing depends on the partner bank review and app store approval.

Put a date on yours.

Bring a target date. Leave with a week-by-week plan.

Plan your launch with an engineer

Revenue· Where the money goes

Your pricing. Your revenue.

You set the prices on your program. Omniwire's fees are billed separately and quoted up front.

Northwind program

Monthly statement · sample

stmt_0926

Your revenue

Card interchangeEarned by you
Fees you setSet by you

Billed by Omniwire, separately

Platform feeMonthly
ProcessingPer transaction
Quoted in your build reviewDemo figures

Questions· Before you build

What teams ask before kickoff.

Do we need our own bank charter?

No. Accounts are held at an FDIC-insured partner bank. Omniwire is a technology company, not a bank, and handles the program work between you and the bank.

How long does a launch take?

Typically 4–6 weeks from kickoff to your first customer. Timing depends on the partner bank review and app store approval, and the Studio’s Launch tab tracks each step.

Can we start small and add features later?

Yes. Launch with the features you need and add more from the Studio later. Anything that needs the partner bank approval shows as waiting until it’s signed off, and the disclosures it needs are added with it.

What if we want fully custom screens?

Build them yourself on SuperAPI. Same program, same ledger, same compliance, with your own code on top.

What does it cost?

A monthly platform fee plus per-transaction processing, quoted up front in your build review. You keep 100% of the fees you set and your card interchange.

Start· End of the wire

Two ways in.

Build a working preview tonight, or plan the launch with someone who has wired one before. Same Studio either way.

Self-serve · for buildersSANDBOX OPEN

Build it in the Studio

Pick features, brand it and preview it on every device. No sales call to start.

Every feature
Demo data included
Live preview
iOS, Android and web
Launch checklist
Saved to your project
Open the Studio in sandbox
Guided · for teams planning a launch30 MIN CALL

Book a build review

A solutions engineer walks your program through the Studio with you.

Bring
Your audience, features and target date
Leave with
A launch plan and a quote
Typical reply
Within 1 business day
No deck, no procurement form.
  • SOC 2
  • FDIC-insured partner banks
  • Debit cards

Omniwire is not a bank. Banking services are provided by FDIC-insured partner banks.