Revolut Clone - White-Label Digital Banking & BaaS Platform

A Revolut clone app is a ready-made, white-label digital banking platform modeled on the neobank experience Revolut made popular: multi-currency accounts, money transfers, cards, FX conversion and business finance in one app. The Miracuves Revolut Clone (MXRevolut) ships as Android and iOS apps, a web app and an admin panel, launched under your own brand instead of being built from zero.

The app is the finished product your customers and operators use: the mobile apps, the web app and the admin panel. The script is the source code and system architecture behind it. With Miracuves you get both, and you own 100% of the source code, so your own team can extend it after launch.

Twelve feature groups: account management and dashboard, secure onboarding and authentication, payments, transfers and money requests, multi-currency accounts and FX conversion, virtual and physical card management, vaults, savings and budgeting, business finance tools, investment and wealth modules, BaaS integration and account issuance, transaction controls and dispute management, notifications and support flows, and multi-role admin and governance controls. Every feature is white-label and can be enabled, disabled or extended.

Yes. Users can hold and convert multiple currencies, request regional accounts and see an FX quote before they exchange, while Banking-as-a-Service providers handle account issuance, payments and provisioning behind the scenes. The platform already has SDK integrations for Wise, LeadBank, Swan, Currency Cloud and Revolut, and admins control provider routing, commissions and issued accounts from the dashboard.

Yes. Branding, screens, workflows, languages and region settings are yours to change, and new modules can be added at launch or later without rebuilding the core. Advanced add-ons such as KYC/AML extensions, cross-border remittance, card programs, lending and BNPL, rewards and multi-brand setups are each scoped and quoted on their own, in writing.

Through the same revenue layers neobanks like Revolut use: subscription tiers, transfer and payment fees, FX spreads on currency conversion, card interchange, paid business finance tools and BaaS-linked services. As published reference points, interchange in the EEA and UK is capped at 0.2% on debit and 0.3% on consumer credit cards, and FX spreads on major currency pairs commonly sit around 0.2%-1.0%.

The Miracuves Revolut Clone costs a single fixed fee, paid once: $15,999, covering a white-label platform that is ready for launch, with Android and iOS apps, a web app, an admin panel and the full source code. Anything beyond that - custom features, extra BaaS providers or compliance-heavy deployments - is quoted separately and in writing before work begins.

Getting the ready-made platform to you takes 6 working days. During that time Miracuves brands it, installs it on your own servers and submits the apps from your developer accounts. Reviews by Apple for the App Store and by Google for Google Play form a separate step. Added custom features or integration with a new BaaS stretch the schedule, and their scope is agreed in writing up front. The commitment of 6 days is recorded on the Miracuves facts page.

Yes. 100% of the source code is yours, covering the admin panel, backend, web app and apps, with neither per-seat fees nor a revenue share. Host it wherever you like, pass it to in-house developers, and build on it without checking with Miracuves.

Yes. Deployment goes onto infrastructure that you own, for example AWS, Google Cloud or any other provider of your choice, and the apps are published through developer accounts that you hold with Apple and Google. Servers, data and store listings are all registered in your name from the first day.

Yes. The term Revolut clone names a category of software and nothing is copied from Revolut: the Miracuves product includes no code, design or content from it, and the brand, name and assets are all yours. Your regulatory route is what makes a launch lawful. A license held by your company is needed to issue cards or keep customer funds, unless you instead choose or a tie-up in your market with a licensed sponsor bank, EMI or BaaS provider.

Yes, the compliance tooling is included: KYC onboarding and identity verification, AML and sanctions-screening workflows, transaction monitoring hooks, audit logging, role-based access and admin segmentation, on a PCI-DSS and ISO 27001 ready architecture, meaning it is built to the controls those frameworks require. Licenses and certifications are not included and cannot be. An e-money license, money transmitter license or PSD2 authorization is issued to your operating entity by a regulator, or provided by the licensed BaaS, EMI or sponsor bank partner you integrate with.

Security belongs to the core and is not sold as an add-on. That covers rate limiting, segregated admin routes, role-based access spanning admin, web and mobile, authentication based on JWT, with MFA/TOTP as options, sensitive actions recorded in reason-coded audit logs, and encryption both in transit and at rest. No certification is held by Miracuves for you; the operating entity you run receives it, assessed against that entity’s own environment.

Flutter or React Native for the Android and iOS apps, React and Next.js for the web, Node.js with Express (or Laravel) for the backend APIs, PostgreSQL with optional MongoDB for data, and cloud deployment on AWS, Google Cloud or a similar provider. BaaS and payment providers connect through secure APIs.

From launch, each ready-made Miracuves solution comes with three cover periods: dedicated platform guidance for 60 days, priority bug resolution for 6 months and continuous product evolution for 12 months. The first reply comes in under 2 hours, during IST hours of 10:00-19:00, Monday through Saturday, and longer maintenance can be arranged on request.

Since 2010, Miracuves has completed 9,000+ projects, serving 6,000+ clients, and its catalog holds 90+ ready-made clone solutions, among them fintech platforms covering trading, remittance and neobanking. The Revolut Clone already runs in production, as UBANLC used it to launch a platform for Banking-as-a-Service. The Miracuves facts page lists each company figure together with its scope.