White‑Label • Technical Development • Consulting
Chimera — A Turnkey, Regulator‑Ready Neo‑Bank Platform
Cloud‑native • API‑first • Multi‑jurisdiction (UAE · EU)
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The What
A Bank‑in‑a‑Box Solution
We provide the technology, compliance and infrastructure to launch a fully‑featured neo‑bank, fast.
The Why
The Global Remittance Crisis
The trillion‑dollar market is plagued by inefficiency.
The Problem with Traditional Finance
Painfully Slow
Cross‑border payments take 2–5 business days to settle, locking up capital.
Exorbitantly Expensive
The average remittance costs 6.2%, hindering global economic flow.
Limited Access
Operations are restricted to banking hours, excluding a global, 24/7 economy.
Opaque & Complex
Convoluted correspondent banking systems create hidden fees and uncertainty.
What You Own vs. What We Deliver
Investor/Client Owns
- Licensed financial entity & brand (ADGM bank and/or LT EMI)
- Customer data & operations
- Cloud tenancy (optional) and full runtime control
We Deliver (White‑Label)
- Reference architecture (MACH): core ledger integration, APIs, microservices
- Front‑end apps (web/mobile) & admin console (white‑label)
- Compliance packs (KYC/AML flows, reporting hooks), integrations, handover
- Optional managed runbook & SLA
Architecture — MACH, secure by design
Presentation (Headless)
Responsive web + mobile apps decoupled from back‑end. Rapid UX iteration, localization, and rebranding.
Service & Orchestration
Microservices for Onboarding, KYC/AML, Payments, Loan Origination, P2P, Collateral, Risk, Treasury. All API‑first.
Core Banking Layer
Cloud‑native core ledger provider with immutable accounts, GL, and postings. Plug‑and‑play via secure adapters.
SecurityZero‑Trust
Defense‑in‑depth, secret management, least privilege, continuous scanning, audits.
ReliabilitySRE
Multi‑AZ deployment, autoscaling, circuit breakers, idempotency, observability.
ComplianceReporting
Real‑time monitoring, SAR hooks, reconciliations, safeguarded funds/segregation.
Licensing Path — Two Options, One Stack
UAE · ADGM Digital Bank
- Category 1 Digital Banking authorization
- Base capital requirement: US$10,000,000
- English Common Law court system
EU · Lithuania EMI
- Minimum capital: €350,000
- Passport payment services across EEA
- No lending from safeguarded e‑money funds
Both routes align with the same cloud‑native, API‑first platform and compliance patterns.
The Platform
What You Get Out‑of‑the‑Box
A modular, API‑first banking platform.
Core Platform Modules
User Onboarding & KYC
ID verification using an immutable compliance framework based on ISO 20022 standards.
Multi‑Currency Wallets
Secure custodial wallets for fiat and digital assets.
Global Payments
Instant, low‑cost cross‑border remittance capabilities.
Card Issuing & Management
Issue and manage virtual & physical Visa cards.
Yield Generation
Offer users a 3% APY on their stablecoin holdings.
Admin & CRM Backend
Manage users, control features and view analytics.
Product Surface — Modular & Composable
Payments & Wallets
Accounts, cards, payouts, FX, account funding, safeguarding, reconciliations.
Lending (UAE)
Traditional loans (personal/SME) with AI underwriting; lifecycle in LMS.
P2P Marketplace (UAE)
Regulated matching, escrow, servicing, automated repayments.
Crypto‑Collateralized Lending (UAE)
Qualified custodian, LTV monitoring, margin calls, liquidation rules compliant with VA regime.
Admin & Risk Console
Case management, KYB/KYC, transaction monitoring, audits, reports, limits, rate engine.
Phased Delivery Timeline
- Months 1–9: Legal structuring, applications (ADGM and/or LT EMI), compliance documentation.
- Months 6–15: Core integrations, microservices, apps, vendor onboarding, security hardening.
- Months 16–18: Closed beta under In‑Principle Approval, end‑to‑end testing, feedback, remediation.
- Month 19+: Public launch; scale growth, add products, optimize unit economics.
Human & Advisory Pre‑Requisites
Specialized Advisors
- Legal Counsel: ADGM & EU licensing, contracts, policy set
- Regulatory Advisors: Application prep, readiness reviews
- Risk & Audit: Frameworks, internal controls, audit plan
- Cybersecurity: Threat modeling, pen‑tests, ISO/SOC alignment
External Partners
- Core Banking Vendor: Cloud‑native ledger provider
- RegTech Providers: KYC/AML, transaction monitoring
- Custodian (Crypto): Insured digital asset custody (UAE)
Roles and partners can be phased by jurisdiction and licensing cadence.
Two‑Year Cost Breakdown (UAE · EU)
All figures in USD; regulatory capital is ring‑fenced and non‑operational.
| Category | Subcategory | UAE Y1 | UAE Y2 | EU (LT) Y1 | EU (LT) Y2 |
|---|---|---|---|---|---|
| Regulatory Capital | Base Capital | $10,000,000 | Maintained | $380,000 | Maintained |
| One‑Time Setup | Legal & Incorp. | $75,000 | $0 | $20,000 | $0 |
| Regulatory Fees | $30,000 | $0 | $5,000 | $0 | |
| Tech Build & Audits | $750,000 | — | — | — | |
| Recurring | Staff Salaries | $500,000 | $550,000 | $200,000 | $220,000 |
| Office Rental | $80,000 | $85,000 | $25,000 | $27,000 | |
| Annual Supervision | $30,000 | $30,000 | $10,000 | $10,000 | |
| Tech Subscriptions | $150,000 | $175,000 | $100,000 | $120,000 | |
| Marketing & UA | $250,000 | $400,000 | $200,000 | $350,000 | |
| Contingency (15% OpEx) | $279,750 | $186,000 | $98,250 | $109,050 | |
| Totals | Per Year | $12,144,750 | $1,426,000 | $1,038,250 | $836,050 |
Technology build is budgeted once globally; EU tech line items are covered by the shared platform.
Key Risks & Mitigations
Regulatory
- Dual‑jurisdiction complexity → Dedicated local compliance, templates, counsel network
- Crypto VA scope → Operate within FSRA VA regime; AVA listing; qualified custodian
- EMI restrictions → Separate lending to the UAE bank entity; safeguard e‑money funds
Technology & Ops
- Vendor dependence → Cloud‑agnostic adapters; multi‑AZ; rigorous SLAs
- Security → Zero‑trust, pen‑tests, red‑team, continuous compliance
- Liquidity shocks → LTV buffers, auto‑margin calls, treasury playbooks
Go‑to‑Market (GTM)
- Start with LT EMI payments & wallets; onboard corridor partners; seed user base
- Parallel UAE bank build; activate lending after approvals
- Acquisition: partnerships (telecoms, payroll, marketplaces), targeted performance marketing
- Unit economics: interchange + FX + payment fees (EU); NIM + fee income (UAE)
Next Steps
- Technical discovery (2–3 weeks): target markets, core provider, custodians, KYC/AML vendors
- Architecture & delivery plan: scope, milestones, SLAs, acceptance criteria
- Regulatory package assembly: policy set, risk framework, financials, playbooks
- Build + integrations, then closed beta under IPA, followed by public launch
Prepared & Presented By
