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How To Launch Your Neo Bank With White Label BaaS Model In Poland?

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Enabling Frictionless Market Access Without Geographic Limits

“Speed and compliance beat ambition alone.” Investors who act on that truth win. Picture a crypto neo bank that plugs into Poland’s payment fabric, issues virtual IBANs and cards, settles cross-border payroll in stablecoins, and provides custody-grade controls investors can audit in real time. This is practical, not hypothetical. It is a repeatable deployment that converts frequent payment flows into predictable revenue and institutional margin.

For serious investors, the criteria are tight: prove custody safety, guarantee instant liquidity, and demonstrate regulator-ready compliance. If those boxes are checked, scaling follows; if not, growth stalls. White label Banking-as-a-service (BaaS) model combines hardened BaaS infrastructure, threshold key custody, and automated KYT so you capture speed without regulatory compromise. Opportunity windows close fast. Expect measurable KPIs and audit-ready evidence from day one.

Let’s scroll through the blog to know in detail.

Why is Poland Strategically Attractive Right Now?

Poland’s payments infrastructure is exceptionally modern. Instant rails and local schemes drive very high transaction frequency, creating a fertile environment for an integrated crypto-fiat product that sits beside existing behavior and improves margins for merchants and corporates. Recent regulatory clarity across Europe introduces a harmonized rulebook for crypto assets, reducing regulatory uncertainty for licensed providers. At the same time, demand for seamless fiat-on and off-ramps, corporate treasury efficiency, and lower cross-border friction creates a commercial runway for crypto-friendly neo banking solutions. These structural elements combined deliver both an attractive top line and predictable regulatory paths for institutional-grade services.

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What Pain Points Does a Crypto Neo Bank Solve in Poland?

  1. Costly cross-border business payments and remittances, especially for SMEs with EU and non-EU suppliers. Stablecoin rails reduce time and FX slippage and open new settlement patterns.
  2. Fragmented on/off ramps. Consumers and merchants juggle centralized exchanges, separate wallets, and traditional bank accounts. An integrated account that tokenizes settlement and offers instant conversion removes friction.
  3. Inefficient corporate treasury for companies paying international contractors. Crypto-native treasury offers options for FX hedging and programmable payroll.
  4. Poor merchant acceptance paths for crypto receipts. Many merchants want exposure to crypto settlement but need instant conversion to PLN. A neo bank with native conversion fixes this.
  5. Trust and custody concerns among institutional counterparties. A regulated custody and compliance stack is table stakes for enterprise adoption. These are solvable with best-practice custody and a compliant CASP model.

Top-Notch Reasons to Launch a White Label Neo Bank App in Poland Now

  • Digitally mature payments ecosystem- Poland’s widespread adoption of instant payments and digital banking reduces adoption friction and accelerates transaction volumes from day one.
  • Regulatory clarity at the EU level- A defined compliance framework provides predictability for investors, lowers regulatory uncertainty, and supports structured market entry.
  • High-value, enterprise-driven demand- SMEs, cross-border businesses, and merchants actively seek faster settlement, efficient treasury management, and seamless fiat-crypto interoperability.
  • Attractive and diversified revenue model- Multiple monetization layers, including interchange, conversion fees, custody services, treasury subscriptions, and enterprise APIs improve margin resilience.
  • Strong unit economics potential- High transaction frequency, lower customer education costs, and enterprise-led onboarding shorten CAC payback periods.
  • Rapid go-to-market feasibility- Mature fintech infrastructure and availability of BaaS, BIN, and PSP partnerships significantly compress launch timelines.
  • Scalability beyond Poland- A Poland-first strategy enables structured expansion across the EU using a single compliance and product framework.
  • Growing institutional interest in Web3 infrastructure- Increasing demand for regulated crypto banking solutions positions early movers for long-term strategic advantage.
  • Clear strategic exit pathways- Regulated neo-banking and crypto infrastructure assets remain attractive acquisition targets for banks, fintechs, and payment platforms.

Make sure that you hire the best white label neo bank development company globally that holds years of experience and expertise in designing business-tailored solutions along with legal and regulatory assistance.

How to Deploy Your Crypto Neo Bank With White-Label BaaS in 1 Week?

This must not sound so realistic to you, but launching an impactful white-label crypto neo banking platform is a realistic task for an experienced company, but a conditioned one too. One week is feasible as a minimum viable commercial deployment if three prerequisites are met in advance. First, a preapproved suite of partners must be in place. Second, compliance artifacts must be ready for the target customer profile. Third, the white-label BaaS must be truly modular with production-grade connectors. If those conditions exist, you can go live with a limited product set in seven days. Here is a practical day-by-day playbook.

Day 1: Provision core accounts and sandbox APIs
• Provision the tenant in the BaaS platform.
• Configure product catalog: e-wallet, virtual card, fiat wallet, crypto wallet.
• Route test BINs and IBAN ranges, and create webhooks for events.

Day 2: Integrate identity and compliance flows
• Wire KYC/KYB flows into onboarding.
• Configure AML/KYT thresholds and alerting.
• Set KYT rules for on-chain and fiat monitoring.

Day 3: Custody and liquidity setup
• Connect to custodial key management or MPC node.
• Wire liquidity provider for instant conversion between crypto and PLN.
• Sanity test settlement loops.

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Day 4: Card issuance and payment rails
• Configure BIN sponsor for virtual cards and enable BLIK/SEPA rails.
• Run end-to-end card lifecycle tests.

Day 5: UX polish, risk rules, and enterprise onboarding
• Finalize frontend flows and onboarding.
• Implement throttles and risk rules for high-value transactions.

Day 6: Compliance signoff and sandbox transactions
• Execute a full test cycle for compliance reporting and audit trails.
• Load test critical flows.

Day 7: Soft launch with invited customers
• Onboard pilot SMEs and retail cohort.
• Monitor metrics and iterate immediately.

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Architecture & Tech Stack Investors Must Demand

  1. Modular customized BaaS software core with multi-tenant isolation and secure multi-cloud deployment.
  2. Custody layer with MPC and institutional-grade key management, BLS or threshold signatures, and auditable signer logs.
  3. A compliance layer that merges on-chain KYT and fiat AML telemetry into a single risk engine.
  4. Payments layer with BIN orchestration, card lifecycle management, IBAN issuance, and local scheme adapters like BLIK.
  5. Liquidity and settlement layer with automated market making or liquidity pools for instant fiat conversion.
  6. Observability and audit trail stack with immutable logging, transaction reconstruction, and regulatory reporting exports.
  7. Upgradeable smart contract modules and off-chain reconciliations respecting MiCA reporting expectations.
Rolling Out Crypto Neo-Banking in Poland with White-Label BaaS

How Can a Blockchain Company Deliver a Customized BaaS App in a Short Time?

A credible white label BaaS service provider will present prebuilt connectors to KYC, BIN, IBAN, custody, and liquidity partners; a template-driven UI kit; a compliance module with configurable rules; and hardened APIs for enterprise integration. Critical differentiators include white box compliance for investor due diligence, turnkey custody certificates and SOC reports, and documented latency SLAs for settlement. For enterprise adoption, the provider must supply SDKs, sandbox keys, and a preconfigured regulatory evidence pack ready for KNF and other supervisors. Investors should insist on runbooks, incident response, and a roadmap for issuing CASP/CASP filings where required.

Legal & Compliance Support To Expect From a White-Label BaaS Partner

  • Regulatory clarity from day one- Clear mapping of your crypto neo-banking model against EU and Polish regulatory requirements, avoiding ambiguity or rework later.
  • Licensing and registration guidance- End-to-end support for CASP or VASP readiness, including scope definition, documentation, and regulator-ready submissions.
  • Built-in AML and transaction monitoring- Configured AML and KYT frameworks covering both fiat and on-chain transactions with real-time alerts and audit trails.
  • Enterprise-grade KYC and KYB workflows- Seamless onboarding flows with configurable risk scoring aligned with Polish and EU expectations.
  • Custody and asset protection compliance- A documented custody model with institutional controls, segregation of assets, and audit-ready evidence.
  • Regulatory reporting and audit readiness- Automated compliance reports, immutable logs, and support during regulator or banking partner reviews.
  • Data protection and privacy alignment- GDPR-compliant data handling, storage, and access controls embedded into the platform.
  • Ongoing compliance support- Continuous updates for regulatory changes, policy refinement, and compliance health monitoring post-launch.

The Bottom Line

Poland is a market where modern payment rails, technical literacy, and regulatory convergence create a window to deploy a crypto neo bank that is both profitable and compliant. For investors, the opportunity is to own a differentiated payments and treasury platform that captures recurring, high-frequency flows and monetizes custody and enterprise services.
We bring the technical architecture, custody know-how, and regulatory playbooks necessary to execute. Our team has deep experience delivering production BaaS and crypto custody integrations, and we work closely with legal partners to map MiCA obligations and local procedural requirements so your deployment is defensible and auditable from day one. We will deliver a white label crypto neo bank app with a full compliance pack, a hardened custody solution, and commercial integrations so your capital can be deployed with confidence.

Frequently Asked Questions

01. What advantages does Poland’s payment infrastructure offer for crypto neo banks?

Poland’s modern payment infrastructure, characterized by instant rails and high transaction frequency, creates a favorable environment for integrated crypto-fiat products, enhancing margins for merchants and corporates while benefiting from recent regulatory clarity.

02. What key pain points does a crypto neo bank address for businesses in Poland?

A crypto neo bank solves issues such as costly cross-border payments, fragmented on/off ramps for consumers and merchants, inefficient corporate treasury management, and poor merchant acceptance paths for crypto receipts.

03. What are the essential criteria for investors in the crypto banking sector?

Investors require proof of custody safety, guaranteed instant liquidity, and demonstrated regulator-ready compliance to ensure scalability and avoid growth stalls in the crypto banking sector.

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Gemini to Exit UK Market, Shifts Accounts to Withdrawal-Only From March 5

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Gemini to Exit UK Market, Shifts Accounts to Withdrawal-Only From March 5

Gemini has announced it will cease operations in the United Kingdom, marking another high-profile exit as the country transitions to a stricter regulatory regime for digital asset firms.

In a notice sent to customers, Gemini said UK operations will formally end on 6 April 2026, with all UK customer accounts placed into withdrawal-only mode from 5 March 2026.

The exchange advised users to either transfer assets to an external wallet or offboard via a partner platform ahead of the deadline.

Accounts Shift to Withdrawal-Only Mode

Under the transition plan, Gemini said customers will no longer be able to trade or make new deposits after 5 March. Users who wish to liquidate crypto holdings into fiat must do so before that date, while all crypto and fiat withdrawals must be completed by 6 April.

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As part of the offboarding process, Gemini has partnered with eToro, offering customers the option to open an eToro account to assist with transferring assets. Gemini also urged users to cancel recurring orders and begin unstaking any staked assets ahead of the shutdown.

The company warned customers to remain vigilant against potential scams, stating that Gemini representatives will not contact users directly by phone or text during the transition.

Regulatory Pressure in the UK Market

Gemini’s exit comes as the UK moves from an interim crypto registration regime into full authorisation under the Financial Services and Markets Act (FSMA). The shift represents a material tightening of expectations around governance, operational resilience, and senior management accountability for digital asset firms operating in the country.

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While the UK has positioned itself as open to financial innovation, the new framework introduces deeper regulatory scrutiny and ongoing supervisory engagement — a dynamic that has prompted several global crypto firms to reassess their UK footprint.

A Selective Regime Takes Shape

“Gemini’s decision to exit the UK raises a bigger question than any single firm’s strategy,” said one industry observer. “What does participation look like once the UK moves from a registration regime into full FSMA authorisation?”

The transition, they noted, is not merely about meeting higher standards on paper, but about sustained oversight, historical scrutiny, and personal accountability at the senior management level. For global firms, the calculus increasingly hinges on whether the UK market justifies that level of regulatory exposure in a fast-evolving sector. Some firms will decide the trade-off makes sense. Others may not.

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Implications for the UK Crypto Landscape

Gemini’s departure does not necessarily signal failure of the UK’s regulatory approach, but it does suggest the regime is intentionally selective. As authorisation moves from theory into delivery, success may depend less on scale and more on regulatory experience, judgement, and willingness to operate under continuous supervision.

Gemini was contacted for comment at press time but did not respond.

The post Gemini to Exit UK Market, Shifts Accounts to Withdrawal-Only From March 5 appeared first on Cryptonews.

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Kalshi expands surveillance, enforcement efforts ahead of Super Bowl 60

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Kalshi expands surveillance, enforcement efforts ahead of Super Bowl 60

The Kalshi logo arranged on a laptop in New York, US, on Monday, Feb. 10, 2025.

Gabby Jones | Bloomberg | Getty Images

Kalshi on Thursday announced new initiatives to expand its surveillance and enforcement frameworks as skepticism builds around the booming predictions market space.

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The announcement comes days before Super Bowl 60, which has already drawn more than $160 million in prediction market trading volume, according to Kalshi. The platform and its peers allow users to buy event contracts for outcomes in politics, pop culture, financial markets and sports.

Prediction trades on predetermined outcomes — like, for example, on which companies will air Super Bowl ads on Sunday — have prompted questions of possible insider trading. New York Attorney General Letitia James on Monday issued a warning about what she called “unregulated prediction markets.”

“Being federally regulated means that Kalshi bans market manipulation, insider trading, has limits on the types of markets it lists, runs Know-Your-Customer (KYC) and Anti-Money Laundering (AML) checks on every user before they can trade, and publicly reports all trades to the CFTC daily,” the company said in a release. “Kalshi also spent years building custom prediction market trade surveillance and enforcement systems that are similar to those used in the stock market.

Kalshi said Thursday it has taken further steps, forming an independent surveillance advisory committee, which will provide quarterly analysis to the company’s outside counsel and publish statistics on investigations into suspicious activity on its platform. The company also announced surveillance partnerships with Solidus Labs and the Director of the Wharton Forensic Analytics Lab.

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The prediction market will also now work with the former Under Secretary of the Treasury for Terrorism and Financial Intelligence to advise Kalshi on “market integrity, trading surveillance and financial compliance matters.”

Kalshi lawyer Robert DeNault has also been appointed to the role of Head of Enforcement, where the company said he will work with the advisory committee to identify insider trading and market manipulation.

Lastly, Kalshi said it has created hubs on its website to provide resources for consumers on responsible trading and market integrity.

In a post on X, CEO Tarek Mansour said if the company finds any wrongdoing, the penalties include fines and referrals to the Commodity Futures Trading Commission — which regulates event contracts in the U.S. — and the Department of Justice for prosecution.

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“In the past year, we ran over 200 investigations and froze relevant accounts,” Mansour wrote. “Of these, over a dozen have become active cases and several have been referred to law enforcement.”

Mansour added that Kalshi has based its market surveillance system on those used by the New York Stock Exchange and the Nasdaq, flagging suspicious behavior by running trades through pattern recognition models.

“All industries have bad actors and no system is perfect, Kalshi’s included,” Mansour wrote. “But we are committed to improving daily. Lots of work ahead!”

Disclosure: CNBC has a commercial relationship with Kalshi.

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Liquidations Top $1.3 Billion as BTC Plummets Below $67K, ETH Loses $2K Support

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BTCUSD Feb 5. Source TradingView


Most other altcoins like BNB and XRP have joined the ride south with massive declines of their own.

Bitcoin can’t catch a break in the past several days, marking consecutive multi-month lows, with the latest coming minutes ago at well under $67,000.

The last time the cryptocurrency traded at such low levels was in early November, just as the US presidential elections took place and the country elected the so-called ‘crypto president,’ Donald Trump.

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The past few weeks have been brutal for BTC. It challenged $90,000 just eight days ago, last Wednesday, but the rejection at that level brought unimaginable pain for the market leader and most of the altcoin followers.

Bitcoin first dumped to $81,000 last Thursday, then continued south to under $75,000 during the weekend, but the bears kept the pressure on. The past several hours have been violent as well, with BTC plunging to $66,900 (as of press time). This means that the asset has lost well over $20,000 in just over a week.

BTCUSD Feb 5. Source TradingView
BTCUSD Feb 5. Source TradingView

The altcoins have not been spared. ETH continues with its massive decline, with another 9% daily decline to under $2,000 – its lowest level since last April. BNB has plunged by 10% to $660, while XRP is down by a whopping 15% in the past 24 hours alone to $1.32.

Further losses are evident from the likes of ZEC (-19%), MORPHO (-14%), NEXO (-14%), XMR (-12%), LEO (-12%), SUI (-11%), and many others. As such, it’s no wonder that over-leveraged traders have been harmed severely.

Data from CoinGlass shows that the 24-hour liquidations have rocketed to over $1.3 billion. In the past hour alone, the wrecked positions are up to $350 million. The number of wiped out traders is close to 300,000 daily, with the single-largest position taking place on Aster, which was worth over $11 million.

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Daily Liquidations Data on CoinGlass
Daily Liquidations Data on CoinGlass: February 5
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Uniform Labs’ Multiliquid and Metalayer Launch RWA Redemption Facility on Solana

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Uniform Labs’ Multiliquid and Metalayer Launch RWA Redemption Facility on Solana

Multiliquid and Metalayer Ventures have launched a facility that allows instant redemption (liquidity) for tokenized real-world assets (RWAs) on Solana.

In a press release shared with CryptoNews, the firm said the facility is positioned as the first dedicated vehicle intended to solve one of tokenization’s most persistent challenges: liquidity at redemption.

Raised and managed by Metalayer Ventures with support from Uniform Labs, it is designed to scale over time based on market feedback and performance, offering a blueprint for future redemption-liquidity deployments across tokenized markets.

The RWA Liquidity Gap

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The launch comes as Solana’s tokenized RWA ecosystem surpasses $1 billion in on-chain assets, making it the third-largest blockchain network for tokenization.

Despite rapid growth, much of the RWA market—particularly non-Treasury assets such as private credit, private equity, and real estate—remains structurally illiquid. Redemptions are typically limited to issuer-controlled windows, rather than continuous secondary markets.

This mismatch is becoming more visible even in ostensibly “cash-like” products. The Bank for International Settlements has warned that tokenized money market funds face liquidity mismatches between on-chain instruments and off-chain settlement, a dynamic that could amplify stress during periods of elevated redemption demand.

“Traditional finance has repo markets, prime brokerage, and overnight lending facilities. Tokenized markets have had nothing comparable, until now,” said Will Beeson, founder and CEO of Uniform Labs.

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How the Facility Works

Metalayer Ventures acts as the capital provider, raising and managing the pool of capital that allows instant redemptions. Multiliquid—developed by Uniform Labs—supplies the smart contract infrastructure, issuer relationships, and liquidity platform that underpin pricing, compliance enforcement, interoperability, and swaps.

Instead of waiting days or weeks for issuer-led redemptions, holders can convert supported tokenized assets into stablecoins instantly, 24/7. The facility purchases assets at a dynamic discount to net asset value (NAV), compensating liquidity providers for offering immediate access to capital.

Institutional-Grade Infrastructure on Solana

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Uniform Labs expects a two-layer liquidity ecosystem to emerge: active market participants pricing real-time exits, and larger balance-sheet allocators warehousing assets to redemption for steadier yield.

The model is expected to gain traction as tokenized assets are increasingly used as collateral across DeFi and institutional venues.

The facility will initially support assets from issuers including VanEck, Janus Henderson, and Fasanara, spanning tokenized Treasury funds and select alternative assets. Integrations with Solana DeFi protocols such as Kamino are under discussion.

Nick Ducoff, head of institutional growth at the Solana Foundation, said reliable redemptions are becoming “critical infrastructure” as Solana’s RWA market scales, positioning the network as a leading venue for issuance, trading, and redemption of tokenized assets.

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The post Uniform Labs’ Multiliquid and Metalayer Launch RWA Redemption Facility on Solana appeared first on Cryptonews.

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Multiliquid, Metalayer Roll Out Instant Redemptions for Tokenized RWAs

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Multiliquid, Metalayer Roll Out Instant Redemptions for Tokenized RWAs

Multiliquid and Metalayer Ventures have launched an institutional liquidity facility to provide instant redemptions for tokenized real-world assets (RWAs) on Solana.

The facility allows holders of tokenized assets to convert positions into stablecoins instantly. The vehicle is raised and managed by Metalayer Ventures, with infrastructure and market support provided by Uniform Labs, the developer behind the Multiliquid protocol, according to an announcement shared with Cointelegraph.

“Traditional finance has repo markets, prime brokerage and overnight lending facilities. Tokenized markets have had nothing comparable, until now,” said Will Beeson, founder and CEO at Uniform Labs. “This is the liquidity infrastructure that institutional RWA markets will require at scale.”

Last year, the Bank for International Settlements warned that tokenized money market funds face liquidity mismatches that could amplify stress during periods of elevated redemption demand.

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Related: Startale, SBI launch blockchain for institutional FX, RWA trading

Standing buyer delivers instant RWA liquidity

Metalayer’s facility functions as a standing buyer of tokenized RWAs, purchasing assets at a dynamic discount to net asset value.

Metalayer Ventures supplies and manages the capital backing redemptions, while Multiliquid provides the smart contract infrastructure used for pricing, compliance enforcement and settlement.

The vehicle will initially support tokenized assets issued by companies including VanEck, Janus Henderson and Fasanara, covering tokenized Treasury funds and select alternative investment products.

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Related: True tokenization demands asset composability, not wrapped bubbles

Solana gains ground in tokenized RWAs

Solana (SOL) has emerged as a growing venue for tokenized RWAs. It ranks eighth among blockchains by total RWA value with about $1.2 billion represented across 343 assets, according to RWA.xyz data. While its market share remains modest at 0.31%, Solana is showing steady momentum, with RWA value up by more than 10% in the past month.

RWA market overview. Source: RWA.xyz

Canton Network, Ethereum (ETH) and Provenance are the three largest blockchains for tokenized RWAs by total value.

Canton dominates the market with more than $348 billion in RWAs and over 88% market share. Ethereum ranks second with $15 billion in tokenized assets, while Provenance also holds $15 billion with fewer assets.

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