Get in touch
Integrating banking protocols EBICS, HBCI/FINTS and PSD2, all complex and with limited documentation
/FINTECH SERVICE TRANSFORMATION
Traditional banking. Crypto native. One app.
A full online banking application built for a regulated German specialist bank, combining fiat account management, crypto trading, and in-store payments into a single, seamless mobile experience.
/OVERVIEW
WHERE CORE BANKING MEETS CRYPTO.
- MOBILE BANKING
- CRYPTO
- FIAT
- SCA
- AML
- PSD2
A German-based specialist bank for the housing industry recognised that staying competitive meant going beyond traditional services. They came to Evolt with a clear direction: build an unconventional online banking app that lets customers manage fiat accounts and trade crypto in one place, without sacrificing security, compliance, or ease of use. The platform needed to serve the crypto community on its own terms — fast, flexible, and built for people who want to invest their own way.
/THE CHALLENGE
WHAT THE CLIENT NEEDED US TO BUILD.
The core challenge was technical and structural: building a new ecosystem that had to communicate with an existing, poorly documented core banking system using protocols that mostly lacked documentation. Every layer of the project carried compliance obligations that couldn't be approximated.
GOALS
Bridging a traditional core banking system with a live crypto exchange environment
Building a crypto exchange engine with price aggregation, best order matching, and automated liquidity maintenance across external exchanges
Implementing multi-stage transactional flows to bridge fiat and crypto pools in real time
Enforcing SCA (Strong Customer Authentication) with multiple methods while keeping the user flow seamless
Full compliance with 3DSecure v1 and v2 from both the acquiring side and the banking provider
Full AML compliance with mandatory customer verification before account access
Building a user-friendly application accessible across all user groups without compromising on security standards
/THE SOLUTION
THREE PILLARS. ONE BANKING EXPERIENCE.
Seamless flow and core features
The first version of the application launched with a full suite of banking capabilities: streamlined KYC, easy IBAN account creation, management of multiple accounts and wallets, seamless creation of multiple crypto wallets, a physical debit card connected to the main fiat account, quick top-up from external sources, instant and free internal transfers, multiple withdrawal options, buy and sell crypto, payments, transaction history, a contact network for one-click transfers, and referral rewards.
Secure environment and compliance
All customers go through full identity verification under AML legislation before gaining access to services. Identity is confirmed via scheduled video call with a bank representative. Upon successful verification, a dedicated IBAN is assigned and a payment card shipped. Security is enforced throughout: strict SCA guidelines, encryption of all sensitive data and PII at rest and in transit, mobile application hardening against data cloning and man-in-the-middle attacks, detailed audit logs for every system event, multiple firewall layers, secure tunnels to external providers, and validation of all external blockchain transactions.
Deposits, Payments, Exchanges, and Transfers
Fiat top-up is available via SEPA deposit, credit card, or internal transfer. Crypto top-up works from online exchanges and external wallets. Mastercard and Visa cards can be tokenised for one-click future use. Internal transfers use QR codes or unique usernames, making transactions between app users instant. Crypto buying and selling is instant in-app. Customers can exchange fiat directly into any supported cryptocurrency, or sell crypto back to fiat, entering either a fixed crypto amount or a fixed fiat target amount. For payments, the physical debit card covers any Visa or Mastercard-supported location. For crypto purchases, customers scan a merchant QR code directly in the app and pay with their chosen cryptocurrency at any GoCrypto partner location.
/THE IMPACT
A REGULATED BANK. A CRYPTO PRODUCT. EVERY PROTOCOL INTEGRATED.
A regulated German bank successfully entered the crypto market without compromising on compliance or security
Three core banking protocols (EBICS, HBCI/FINTS, PSD2) integrated into a single working ecosystem despite limited documentation
Full AML, SCA, and 3DSecure v1 and v2 compliance achieved across the entire platform
End users gained complete banking services, crypto trading, and in-store payments through one app with no technical friction
SUCCESS STORIES
Read how our partnerships drive success.
Read full story
- PAYMENT
- CRYPTO
- BANKING
ELLY WALLET
The crypto wallet built for how people actually use crypto.
View all case studies