Stablecoin and Blockchain Payment Systems for Banks and Fintechs

Neti shows banks, payment institutions and fintechs how to add stablecoin and blockchain rails, then builds them next to their core systems. Running in production for Damisa.

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120+

projects delivered

16+ years

of engineering experience

In production

cross-border settlement for Damisa

XRPL Partner

core codebase contributor

What do our financial software development services cover?

Payment Orchestration

Every new provider or corridor turns into a separate integration project. One layer routes, tracks and reconciles payments across all of them.

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Stablecoin Payments & Settlement

Pre-funded accounts and settlement that waits for banking hours keep your capital idle. Stablecoin settlement runs around the clock, connected to your core and treasury.

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Stablecoin Development

You want your own token, backed one to one and released only when several people approve. Minting stays capped by the reserve.

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Confidential Stablecoin Transactions

On a public ledger, anyone can see who paid whom and how much. Amounts and counterparties stay hidden from the market, while auditors and regulators keep access.

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Asset Tokenization

Tokenization pilots stall when investor checks and settlement come last. Issuance, investor checks and settlement work from day one.

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Who Is Our Banking Software Development For?

Who	What you get done
Banks	Add stablecoin or tokenized-deposit settlement next to your core, with custody, keys and data kept in the bank.
Payment institutions and EMIs	Run every corridor and partner on one ledger that reconciles client funds every day.
Fintechs and payout platforms	Add a new rail or provider without rebuilding your stack each time.
Banks and EMIs issuing a token	Issue your own stablecoin with minting capped by the reserve and approvals from several people.
Asset managers and issuers	Bring tokenized assets to real investors, with investor checks and settlement built in.

What Payment Infrastructure Problems Does It Solve?

"We can't see where the money is at every step, or who answers for it."

One ledger, reconciled every day against every partner balance, shows whose money it is at each step, so an exception becomes a ticket instead of an investigation.

"We can't prove to the board that it will pay off."

The first workshop calculates one flow on your own numbers (volume, settlement cost, manual work, capital tied up), so the board sees a business case before you commit to a build.

"The regulator won't accept it, and we don't know what we don't know."

The controls a supervisor asks about sit inside the flow from the first version: issuance capped by the reserve, approvals from several people and an audit trail you can export.

"A year has gone by and we still haven't launched anything."

You start with one flow next to your core, and your team learns while it goes live, so the board sees a working result instead of another strategy deck.

How Does Fintech Consulting and Development Work With Neti?

Workshop

An architect works through your money flow and constraints with your payments, risk and IT people, and picks the one flow worth starting with. Result: a written roadmap your board can read, including "you don't need to build this" or "a ready product is enough" when that is the answer.

Design

We write down whose money it is at every step, where keys and data live, and what your supervisor will see. Result: an architecture your risk, compliance and IT teams sign off before any code is written.

First flow live

One flow, corridor or asset runs next to your current setup. Result: real transactions, reconciled every day, with a fallback.

Next rails

New providers, rails or assets come one at a time, each with a rollback. Result: no big switch-over day.

Hand over

Your team learns the system while it goes live. Result: your team runs and extends it, as Damisa's team has done since the MVP went into production.

How Do Financial Software Development Companies and Platforms Compare?

Option	Fits when	Watch out for
Ready service from a large provider (card networks, stablecoin API providers)	You need one corridor or one use case fast, and the provider can hold the keys and the data	You pay per transaction for the whole bundle, and custody, data and compliance decisions often sit with the vendor
White-label platform	You want a branded product quickly	You adapt to the product, and changes wait for the vendor's roadmap
Large integrator or generalist software house	You run a broad programme across many systems	Ask who on the team has run a ledger that reconciles every day in production
Strategy consultancy	You need a bank-wide strategy and a recommendation for the board	You get a recommendation, not a working system, and the build becomes a separate tender
NetiRails	You are a bank or payment institution that wants stablecoin payments running on your own infrastructure	It is a stablecoin payment orchestration platform, not a card or tokenization platform
Build in-house	Payments are your product and you can hire payments, custody and compliance engineers	The first version waits until the team is hired
Build with Neti	You want one team to work out with you what to build, then build it, with custody, keys, data and compliance decisions kept in-house	Takes longer than a ready service, and pays off above a volume we calculate with you in the workshop

Financial Software Development Case Studies

In each project below, the hard part was not the technology. It was knowing whose money it is at every step and proving it to auditors.

Cross-Border Transfers on Banking and Stablecoin Rails | Neti

Damisa: one operation across bank and stablecoin rails

MVP in 4.5 months, now in production. Each rail defined a payment's status differently, so one transfer could be complete in one system and pending in another. We built one money model and a double-entry ledger reconciled daily against partner balances. A team of six delivered the MVP, and Damisa's own team has extended it since.

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Issuance platform case study: tokens minted only against the recorded reserve

Stablecoin issuance with 1:1 proof of reserve

No single person can create money. The hard part was the rules, not the chain: every mint and burn needs several independent approvals, and no mint can exceed the recorded reserve. Built in about three months by a core team of four, for a payment company.

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Alvarum case study: in-house payment platform with its own ledger and SEPA payouts

Confidential stablecoin payments a regulator can still audit

Hidden from the market, open to the regulator. Client payments on a public chain showed amounts and counterparties to anyone watching. We built private transfers with a view key that gives auditors and the regulator access, and tested them with real money on a live network.

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Alvarum: an in-house payment platform with its own ledger

Live on the planned day. A provider's pooled account could not say which donor's money belonged to which charity. We built a ledger above the provider, KYC/KYB and automated SEPA payouts, and migrated €56M in balances transaction by transaction, verifying every record.

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BOHM case study: tokenization architecture for construction assets

BOHM: asset tokenization platform architecture

A UK company wanted to tokenize construction and real estate assets, with lifecycle data, material provenance, milestone-based escrow, identity and custody working together. We designed the multi-layer platform architecture that connects them.

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Recent articles

Build, Buy or Compose: Choosing Stablecoin Infrastructure for a Bank

Adrianna Szymańska-Krowiak

November 2026

ECB Pontes Is Live: What It Means for Banks Settling Tokenized Assets

Adrianna Szymańska-Krowiak

October 2026

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B2B Stablecoin Settlement Middleware: Connecting EVM Settlement to Core Banking & ERP Systems (Without Core Rewrites)

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Top 10 Smart Contract Development Companies in 2026

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Financial Software Development FAQ

They cover two jobs: deciding what to build and in what order, and building it. The build covers the systems that move, settle and record money: routing across banks and payment providers, settlement in FIAT and stablecoins, a ledger that reconciles every payment, your own token, confidential transactions and tokenized assets. Neti does both on top of your existing core systems, so you add new rails without a core rewrite.

A ready platform is enough when it covers your corridors, rails and controls, and you accept that the vendor holds the keys and the data. Build when you need custody, data and compliance decisions in-house, more than one provider, or when per-transaction fees grow faster than your volume. The first workshop tells you which case you are in.

Use them when their service covers your case, and we will tell you if it does. Banks and payment institutions build their own layer when custody, keys, data and compliance decisions must stay in-house, when they want to earn the FX and issuance revenue themselves, or when they need more than one provider.

No vendor can promise acceptance, so we design the controls a supervisor asks about into the flow from the first version: issuance capped by the reserve, approvals from several people, screening inside the payment flow and an audit trail you can export. The legal assessment stays with your counsel.

Yes. Stablecoin settlement runs as a separate layer connected to core banking and ERP through APIs, so the core stays as it is. Our article on B2B stablecoin settlement middleware shows how the integration works.

With private transfers and selective disclosure: amounts, balances and counterparties stay hidden from the market, while auditors and regulators get access through a view key. Neti built this for a payment company and tested it with real money.

Yes, if its licence allows it, and the platform is the smaller part of the work. Minting has to be capped by the reserve and approved by several people, and you have to show 1:1 backing to your supervisor. Our stablecoin development page explains what it takes.

Ask for systems in production, not proofs of concept, and ask how payments reconcile to the cent. A good partner designs compliance into the architecture and tells you when you do not need a custom build.

It depends on scope: one flow or a full platform, the number of integrations, regulatory requirements and the deployment model. For reference, a team of six delivered Damisa's MVP in four and a half months. You get scope, phasing and cost after the first workshop, before you commit to the build.

Give each of them the answer they need. The board gets a business case on your own numbers from the workshop, compliance gets a money model that shows who holds the funds at every step, and vendor risk gets a phased rollout with a rollback.

Neti designs and builds custom payment and digital asset systems for your institution. NetiRails is Neti's stablecoin payment orchestration platform, installed on your own infrastructure next to your core banking.

Tell Us What You Need to Build

We work with banks, payment companies and fintechs on payment systems, digital assets and custom software. In a free 30-minute call, an engineer looks at your problem, the risks and the best next step. If we are not the right fit, we will tell you directly.

Stablecoin and Blockchain Payment Systems for Banks and Fintechs