Deploy neobank wallets, P2P transfers and merchant payments from Miracuves fintech bases - KYC queues, ledger-backed transactions and compliance tooling in the admin, from $3,699 with full source ownership. Miracuves scopes fintech clone base, payment provider, and branding in writing before payment.
Miracuves launches fintech products - neobank wallets, cross-border transfers, merchant payments and crypto exchanges - on ready-made bases that include a user app, a merchant app and an admin console. Fintech bases start from $3,699. Miracuves builds in 6 working days and transfers 100% of the source code; the licence stays with your business or your banking partner.
Our Approach
Miracuves has delivered 9,000+ projects. A fintech launch begins on a base where KYC onboarding, wallets, a double-entry ledger, merchant payments and the compliance admin already work together, so the weeks go into your licence partner, your market and your brand instead of a year of greenfield engineering. Engineers who want the stack detail can read the Flutter and Node.js pages.
Who this is for: founders, payment companies and telcos putting a wallet, transfer or merchant product in market, who want published pricing, the source code in their own account and one company answerable through app review. Money flows are checked on real Android and iOS phones before handover, and the delivery pack records every PSP key, KYC credential and admin role, so your own team can run the platform after launch.
An NDA comes first, then a written scope naming the base, the payment and KYC providers, the corridors or markets you open with, your branding and the developer accounts the apps publish under. Transfers, refunds and payouts run against the provider's sandbox before production, and limits, fee rules and webhooks are checked before handover. After launch the same team answers through app review and for the 60-day guidance window.
When a clone may not fit: Miracuves clone bases are not a substitute for a banking license or bespoke core banking ledger. When you need licensed EMI/BaaS with regulator-approved audit trails only your bank partner provides, we scope custom work with your compliance officer first.
Decisions First
Fintech projects rarely fail on engineering. They fail on decisions made late: which licence you are operating under, who holds the money, and what happens when a payment half-succeeds. These are settled in writing before we build.
Your own authorization, an agent arrangement, or a banking-as-a-service partner. Miracuves builds the software; the permission itself is yours or your partner's. This decides your timeline more than any technical choice and cannot be retrofitted.
Scoped upfrontWhether money rests in your account or a partner ledger changes your obligations, your audit trail and your capital requirements entirely.
Scoped upfrontThe provider, the fallback when automated checks fail, and how much friction you can afford at signup before drop-off outweighs fraud saved.
Scoped upfrontDouble-entry from day one. Retrofitting a ledger onto an app that recorded balances as a number is the most expensive fintech rebuild there is.
In the baseTimeouts, reversals and partial settlement handled deliberately, because the edge cases are where money is actually lost.
In the baseImmutable transaction history, exportable audit trails and reconciliation against the payment provider, built in rather than added under inspection.
In the baseFintech Clone Solutions
Six of our 90+ ready-made platforms, each shipping with its apps and admin panel in 6 days.
View All 90+ SolutionsMulti-currency wallet, cards, and transfers. Full fintech source code and admin included - scoped before payment.
Cross-border transfers with transparent FX fees. Full fintech source code and admin included - scoped before payment.
Payment links, QR, settlement and refunds for merchants on the rails you are licensed for - scoped in writing with your PSP.
Full cryptocurrency exchange with spot/futures trading, wallet, staking, and P2P.
Token launch platform with KYC/AML, whitelisting, multi-tier raises, and vesting.
Peer-to-peer crypto trading platform with escrow, dispute resolution, and fiat gateways.
Platform Anatomy
Every fintech deployment includes three complete applications - 45 production features, not a stripped MVP. User app, merchant app and admin console - 15 production features each; the two apps ship as store-ready builds.
Choose Your Route
Three ways to put a wallet, transfer or merchant product in market. The difference is what you own, how fast you launch and where the regulatory work sits.
Neobank, transfer or exchange base, rebranded
Designed from the ledger up
A vendor's platform, rented
your product is a wallet, transfers, merchant payments or an exchange, your licence route or banking partner is settled or in progress, and you want the code in your own account from day one. Browse the Revolut Clone or the Wise Clone.
you need a bespoke core banking ledger or a lending engine (custom, scoped with your compliance officer first), or you only want to test demand before owning anything (white-label).
Before You Launch
Five questions that settle the base, the budget and the split of obligations between your business and Miracuves.
Start from how money moves in your product. If customers hold balances in several currencies, spend on cards and send to each other, the Revolut base fits at $15,999. If the core job is sending money abroad with the fee and rate shown before confirming, the Wise base fits at $12,999.
Digital-asset businesses start elsewhere: the Binance base runs spot trading, wallets and the order book at $5,199, and the P2P exchange adds escrow and dispute handling at $2,799. A merchant-only acquiring product is scoped as custom work.
Each base carries a one-time price on its product page; fintech bases start from $3,699 today. For that you get the user app, the merchant app and the admin console in your brand, deployed on your hosting, and the source code in your own repository.
The build price excludes what your partners charge, and we list those before billing: PSP processing fees, the KYC provider's per-check charge, a card-issuing partner if you issue cards, SMS for one-time passwords, and hosting. A bespoke ledger, lending logic or extra markets are quoted after scoping, usually 2-8 weeks of build, in writing before you pay.
Miracuves works remotely from Mumbai, and its 6 working days of build do not stretch. In fintech the slow clocks belong to your partners: merchant account approval at a PSP and bank partner onboarding often run longer than the build itself. Open these early, in parallel:
No software is, on its own, and Miracuves holds no licence or certificate on your behalf. What "ready" means here is that the base is built to the controls regulators and card schemes look for: card numbers tokenized by your PSP rather than stored, encrypted connections, role-based admin access, a double-entry ledger and an immutable audit log.
The regulatory status belongs to the business that runs the platform: an e-money or money transmitter permission, AML policies, and any PCI DSS assessment your model needs sit with you or your banking partner. Penetration testing for a regulated launch can be added to the scope, and the admin exports the transaction and audit trails your compliance officer will be asked for.
These client projects appear in the Miracuves portfolio. Each took 6 working days of Miracuves build, and each client received the full source code. The neobank projects spent their own time on corridors and the compliance screens their regulators expected; the exchanges on their pairs, listing rules and onboarding:
How It Works
One payment, followed through the three apps - from the identity check to the settled payout.
Identity verified via document scan and liveness check - the account opens once the checks pass.
Wallet top-up, P2P send, or card spend - with real-time fraud scoring.
Ledger entries immutable. Merchant or recipient notified instantly.
Push, email, and in-app history with export for accounting.
AML rules, limits, and regulatory logs updated automatically.
Document upload and liveness check hooks wired.
Ledger-backed P2P or merchant payment.
Merchant payouts per admin schedule.
Revenue Model
Fee rules, plans and FX margins are configured in the admin console, so each revenue line can be switched on at launch where your licence allows it. Miracuves confirms scope, integrations and timeline in writing before payment.
Revenue on card spend, transfers, and FX conversions.
Example: 1.5-2.5% interchangePremium tiers with higher limits and perks.
Example: $9.99/mo premium tierMDR on merchant acquiring volume.
Example: 2.9% + $0.30Margin on currency conversion for cross-border payments.
Example: 0.5-1.5% spreadInterest on float balances where regulations permit.
Example: net interest marginEnterprise clients pay for embedded finance APIs.
Example: custom SaaS feesIllustrative only: the example rates show what money products of this kind usually charge, to help size a model. No Miracuves client reported them, and which lines you may switch on depends on your licence and market.
Who This Is For
Four kinds of business launch a fintech product on these bases most often.
A branded wallet with cards and transfers on a ledger that already reconciles, so funding goes into your licence partner and your first market.
Emerging marketsA merchant app and settlement console over the rails you already hold: payment links, QR, refunds and scheduled payouts.
B2B paymentsA mobile wallet for your subscribers - top-ups, bill pay, QR pay and P2P - run with your e-money or banking partner.
Africa & AsiaA fintech product your company owns outright, so diligence finds a transferred codebase rather than a vendor licence.
VC-backed MVPsWhy Miracuves
In fintech the software is one contract among several - PSP, KYC provider, bank partner. This is what Miracuves commits to in its part, line by line.
A fintech buyer already negotiates with a PSP, a KYC provider and often a bank partner. The software should not be a fourth negotiation, so the price of each base is public; anything beyond it is quoted in writing.
Auditors, acquirers and your next engineering team will all ask who controls the code that moves money. Miracuves transfers 100% of the IP to your account, so they can inspect and change it without asking us.
The KYC review queue, the ledger console, fee rules and audit exports are where a fintech is actually run, so they sit inside the base price rather than on a later invoice.
Emulator-only testing misses biometric login quirks, transaction alerts that never arrive, and payments that time out halfway. Every Miracuves build is QA'd on physical iOS and Android hardware.
Six working days of Miracuves build on a ready-made base, 2-8 weeks for custom work, and any extension written down before you pay. The slower clocks - your PSP, your KYC provider, your regulator - are named up front instead of blamed later.
Architecture
Money moves through one ledger and one API layer: each app sees only what its role allows, card data stays tokenized with your PSP, and every balance change leaves an audit entry.
KYC flows, wallets, cards, and QR pay with biometric login and device binding.
AML queues, limit rules, ledger views, and regulatory export packs.
Double-entry ledger, idempotent webhooks, and PSP routing per corridor.
Secrets in env config, card numbers tokenized by your certified PSP rather than stored, and immutable audit trails.
Built withFlutter App DevelopmentNode.js DevelopmentBlockchain Development90+ ready-made solutions
Technology Stack
What sits under the ledger, the apps and the admin. Full architecture notes go to your engineers with the source code.
Quality Standards
Six gates stand between a fintech build and your users; an emulator pass counts for none of them.
Delivery Gates
Every build tested on real iOS and Android hardware - biometrics, push alerts, payments and background modes behave differently on emulators; Miracuves does not sign off emulator-only.
Profiled on release builds - not debug - before store submission, so login, balance refresh and payment screens are measured the way users will meet them.
No keys in the repository; PSP and KYC secrets live in environment config. Admin routes need a role, and every payment webhook is signature-checked and idempotent so a retried callback cannot pay twice.
Privacy questionnaires, financial-services declarations and listing copy prepared for App Store and Play Store review; rejections within scope are fixed inside the 60-day window.
Repository, environment guide, admin roles, PSP and KYC integration notes, API docs and a runbook for payment incidents.
Crashes and payment regressions caused by in-scope configuration are fixed for 60 days, and the team stays reachable through store review.
Delivery Process
PSP keys and KYC provider hooks first, then money flows tested in the provider's sandbox before production. The NDA, written scope, daily visibility and source handover come with every build.
Tell us the product, the market and the licence route on WhatsApp. The NDA is signed the same day, and Miracuves confirms the base, the providers and the customization scope.
Your brand applied; PSP and KYC sandbox keys connected; currencies, limits and fee rules loaded into the admin.
The agreed changes: your corridors or local rails, extra screens your compliance officer asked for, languages and RTL.
Physical iOS and Android phones: signup with KYC, top-up, transfer, refund and payout run end-to-end on release builds against the sandbox.
The apps go to review from your own developer accounts, with source code, docs and credentials handed over. Apple and Google then review on their own schedule, and the 60-day guidance window starts.
The six days are ours, and they do not run past six. What can add time sits on your side: developer account verification, merchant onboarding and compliance approvals are controlled by the app stores and your payment provider, not by us. We list exactly what you need ready on the first call so you can start those in parallel.
Cost & Pricing
Published prices. No request-a-quote wall. Ready-made fintech bases from $3,699; the Revolut base is $15,999 and the Wise base $12,999.
$3,699 /from
6 working days · scoped
Custom Quote
Scoped before build · milestone billing
Enterprise
Multi-market · SLA · compliance
Cost factors that change the priceCard programs and multi-PSP stacks quoted before payment - no hidden admin fees.
Ready-made fintech pricing stays fixed when scope matches the published base. Extra PSPs or markets, custom integrations and compliance workflows are quoted before payment.
Custom build: scoped quote · milestone billing.
Enterprise: multi-region, SLA, compliance - contact for written scope.
Client project
A real Miracuves client project. Every detail here is taken from its published case study.
OrcaReserve needed a multi-currency neobank. The Revolut Clone base already carried the mechanics, so the engagement went where their product was actually different. The stack on record for this build: JS. Other client projects on record for this: Izzipay.
19 of its 24 building blocks were reused unchanged from the Revolut Clone base, already proven on other engagements.
5 pieces were built for this client: the parts that made the product theirs rather than anyone else's.
5 applications and consoles shipped through development, staging and production, and the source code was transferred to OrcaReserve's own account.
"Multi-currency accounts, cards and KYC existed on the base. Our work was our own rails and the compliance surface our regulator wanted to see. Live inside a month with the audit trail designed in rather than bolted on."
Client Reviews
Verified on Clutch and Google - fintech launches on Miracuves clones. Each review reflects a scoped deployment with published pricing and full IP transfer through store launch.
"Their base already carried the multi-currency ledger, card management and KYC, so the engagement went where our product was actually different: LATAM rails, the compliance screens our regulator wanted, and the crypto on-ramp. The platform was running inside a month."
"RFQ, matching and post-trade reporting was our long pole. Their OTC module covered it, and we layered on our compliance checks and multi-leg settlement."
"Accounts ledger, KYC and card issuing came off their shelf; we added the corridor FX engine and our partner bank's settlement layer. We hit the milestone with room to spare, which would not have happened from a standing start."
Why Miracuves
Each one is either run by someone else or open to anyone. Check them in any order; the whole list takes about a minute.
Why clients choose MiracuvesMiracuves Solutions Pvt. Ltd., CIN U62099MH2023PTC406639. Search the CIN on the Ministry of Corporate Affairs portal.
mca.gov.in 02Projects, clients, prices and timelines, each one defined and sourced on our public facts ledger.
miracuves.com/facts 03Client reviews published by Clutch, an independent B2B review platform, not by us.
clutch.co 04A second, separate review platform. Read what clients wrote there too.
goodfirms.co 05Web app, admin panel and APK with printed credentials. Try the real thing before a single call.
miracuves.com/solutions 06Named clients describing their launches, in their own words.
miracuves.com/client-testimonialsEvery promise on this site rests on these three. Each one is something you can check, not something you have to take on trust.
Our leadership is public, with real LinkedIn profiles, not a stock-photo team page. A named team works your build and sends you progress on WhatsApp every working day.
Meet the leadershipEvery number we publish, pricing, timelines, project counts, is defined and sourced on a public facts ledger. If we can't back a claim, we don't make it.
Read the facts ledgerReady-made platforms go from kickoff to live deployment in 6 working days, guaranteed: miss it for reasons on our side and we work free until launch. Custom builds get a fixed quote after a free feasibility study.
Get a feasibility studyExplore Miracuves
Related Solutions
Clone solutions, technology development, and vertical platforms - cross-linked across Miracuves' published service catalog.
More in Industry Solutions
Frequently Asked
Something not covered here? Ask on WhatsApp and you will usually have an answer within two hours.
Ask us directlyNeo-bank wallets, P2P transfers, merchant acquiring, bill pay, and FX conversion apps deploy from Revolut-style and Wise-style clones. Each includes user KYC flows, ledger-backed transactions, merchant dashboards, and compliance-oriented admin tooling. Miracuves configures PSP partners available in your target market during onboarding.
Clone bases include document upload, liveness check hooks, and admin review queues. Miracuves integrates third-party KYC providers you select - not legal advice. Payment licenses, AML policies, and regional banking partnerships remain your compliance responsibility; the software provides audit logs and configurable limits to support those programs.
Ready-made fintech bases start from $3,699; the Revolut multi-currency base is $15,999 and the Wise transfer base $12,999, each listed on its product page. Custom banking APIs and enterprise SLA deployments are milestone-quoted. All pricing is shared in writing before payment.
Backend uses immutable ledger patterns, encrypted transport, and role-based admin access. Card numbers are tokenized: the full card number stays with your PCI DSS certified PSP, never in your app database. The app itself is not PCI DSS certified, and any assessment your model needs sits with your business. Security review and penetration testing for regulated launches can be added to scope.
Yes. Merchant apps support payment links, QR generation, settlement dashboards, refunds, and webhook APIs. Marketplace-style fintech - consumer wallet plus merchant acquiring - deploys from the same multi-app base with configurable fee schedules in admin.
Miracuves builds a ready-made fintech base in 6 working days; custom work takes 2-8 weeks. The calendar beyond that belongs to others: PSP onboarding, KYC contracts, licence approvals and app store review. We name each one on the first call so you can start them in parallel, rather than promising a 48-hour bank.
Full IP transfer is standard. You are not locked to Miracuves infrastructure. Repositories include API documentation for your future engineering team or auditor. Escrow packages are available for enterprise investors requiring third-party code verification.
60-day post-launch support covers defects and store compliance. Payment provider API changes sometimes require updates - Miracuves maintenance retainers handle those proactively. Critical incident response SLAs are available for live money-movement platforms with enterprise contracts.
Yes. Submission from your own Apple and Google accounts is part of every standard build: signing, provisioning, listing copy, screenshots, the privacy and financial-services questionnaires, and replies to reviewers. Rejections caused by in-scope configuration are fixed in the 60-day window at no extra cost.
A freelancer usually starts the ledger, payments, admin and store pipeline from zero, which is where money products slip and leak. Miracuves starts from ready-made bases, the approach behind 9,000+ delivered projects, with NDA, IP assignment, published pricing, and company-backed support. You launch in days with owned source code, not a six-month solo build that may never reach the stores.
No. The base is built to the controls: card numbers tokenized by your PSP, encrypted connections, role-based admin access and an immutable audit log. The licence, any e-money or money transmitter permission and any PCI DSS assessment belong to your business or your banking partner; Miracuves holds none of them for you.
Izzipay and OrcaReserve launched on the Revolut base; Annurax Exchange, Blue Silent Exchange, BRC20, EasyCryptoLand, OrcaBridge and Whizzxbook run on the Binance base. Their case studies sit in the Miracuves portfolio, and every one was a 6-working-day build with the source code handed to the client.
Get Started
Share your market, licence route and PSP - Miracuves scopes the right fintech base, from $3,699, with full source code.
NDA signed before we discuss your project
Page reviewed by Miracuves Fintech Deployment Team · Last updated June 2026 · Clutch & Google Reviews
Miracuves is an independent software development company. We are not affiliated with, connected to, sponsored by, or endorsed by any of the brands or platforms named on this page.
Names of the form “Brand Clone” are used descriptively. It is how the software industry refers to building a platform with functionality comparable to a known service, and how clients search for it.
The entire design and codebase of our products is built by our own team. Our products contain no code, design, graphics, or content originating from any third-party website or application.
All third-party names and marks listed on this page are the property of their respective owners, referenced solely to describe the category of software offered.
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"We had a hard regulator date for a cross-border neobank. Accounts ledger, KYC and card issuing came off their shelf; we added the corridor FX engine and our partner bank's settlement layer. We hit the milestone with room to spare, which would not have happened from a standing start."
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"We had a hard regulator date for a cross-border neobank. Accounts ledger, KYC and card issuing came off their shelf; we added the corridor FX engine and our partner bank's settlement layer. We hit the milestone with room to spare, which would not have happened from a standing start."
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