💹 Fintech & Capital Markets · C4 Architecture · Pro
Neobank Architecture
A digital-only bank built on top of a partner bank: the app, onboarding, accounts ledger, cards and payments services, connected to the partner's core banking.
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Drawing diagram…
What this diagram shows
- The neobank owns the app and experience, the partner bank holds the licence
- An internal ledger tracks every balance movement
- Cards are issued through a card-issuing platform
Prompt used
Neobank architecture: customers use a mobile app that calls an API gateway. Services include onboarding (with video KYC), accounts and ledger, cards (through a card-issuing platform), payments (UPI, IMPS, NEFT through the partner bank) and savings goals. The partner bank's core banking system holds the actual accounts. Notifications go by push and SMS.
Mermaid code
C4Container
title Neobank
Person(cust, "Customer", "Banks on mobile")
System_Boundary(nb, "Neobank Platform") {
Container(app, "Mobile App", "Kotlin / Swift", "Banking experience")
Container(gw, "API Gateway", "Kong", "Auth and routing")
Container(onb, "Onboarding Service", "Node.js", "Sign-up and video KYC")
Container(led, "Ledger Service", "Java", "Balances and entries")
Container(card, "Cards Service", "Java", "Card controls and limits")
Container(pay, "Payments Service", "Java", "UPI, IMPS, NEFT")
ContainerDb(db, "Ledger DB", "PostgreSQL", "Double-entry records")
}
System_Ext(cbs, "Partner Bank Core", "Accounts and licence")
System_Ext(cip, "Card Issuing Platform", "Card processing")
Rel(cust, app, "Uses")
Rel(app, gw, "Calls", "HTTPS")
Rel(gw, onb, "Routes")
Rel(gw, led, "Routes")
Rel(gw, card, "Routes")
Rel(gw, pay, "Routes")
Rel(led, db, "Reads/writes")
Rel(pay, cbs, "Moves money")
Rel(onb, cbs, "Opens account")
Rel(card, cip, "Issues and controls cards")Related templates
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