loki

One shotted this with Claude Opus 5.5. Turns out building a crypto neobank is easy. Everyone can do it today. How to build a neobank in 3 easy steps: 1. Choose your region: the US, Europe, Latin America or Asia 2. Choose your stablecoin: USDC, USDT, or USDC plus cash at the bank 3. Of course I didn't one shot this and spent way too much on tokens 🤣. And no, you can't build a neobank in 3 easy steps. It's extremely hard, and it's quickly becoming a commodity. If you think you can build one because you know how to set up a wallet with Privy, you're in for a surprise. Every choice changes what happens under the hood: the tech stack, the region, the goal, the stablecoin. Each one comes with its own rules and tradeoffs. Margins are thin. The moat is distribution. So I built Programmable Money so you could brainstorm and actually understand how crypto neobanks work. Hit Explode and the app comes apart in 3D, like an X ray. You see every layer hiding behind the screen. How money gets in and out, the stablecoin under your balance, the wallet and the chains it runs on, earn and borrow, tokenized assets and the card. Click any piece and it tells you what it does, who runs it and which rules apply. Then press Play and follow $100 as it moves through the whole thing, step by step. It's the easiest way I've found to dissect the tech and actually understand it. Here's what you can play with: Choose your region: 1. United States 2. Europe 3. Latin America 4. Asia Choose your goal: 1. Remittances 2. Dollar savings 3. Freelancers paid from abroad 4. Travel spending 5. Crypto holders 6. Small businesses Choose what backs the balance: 1. USDC 2. USDT 3. USDC and USDT Choose your chains: 1. Solana 2. Ethereum 3. Base 4. Tron 5. Polygon 6. Arbitrum 7. OP Mainnet 8. TON 9. Plasma 10. BNB Chain Choose who holds the coins: 1. A custody partner 2. The user, with a self custody account Choose your license route: 1. Partner model 2. Your own state licenses 3. EU EMI or CASP 4. Offshore only Money in: 1. US bank transfer 2. SEPA transfer 3. SPEI or PIX 4. Direct deposit 5. Card or Apple Pay 6. Crypto deposit 7. Exchange transfer Money out: 1. Card spend 2. Bank payout 3. Local payout 4. Send to another user 5. Crypto withdrawal 6. Bill pay 7. Yield vault Pass the rules: 1. Customers verified 2. Sanctions screening 3. Licensed to move money 4. Permitted stablecoin 5. Supervised custody 6. Customer funds kept apart 7. No interest on stablecoins 8. Fully backed and shown Then get your launch plan. Free, no sign up: 1. Where you stand 2. Your setup 3. Your path 4. Who to talk to 5. Rules by market 5. Decisions still open 6. Rough timeline Every fact linked to its source. 680 sources for this world alone. If you're thinking about building one, this is the place to brainstorm first. Anatomy of a Stablecoin Neobanks is live today. A new world drops every Friday: Stablecoins next, then cards, earn and borrow, tokenized assets, wallets and the full stack. I'll keep improving every one of them. programmablemoney.net/stable… Every source behind it, in one place: programmablemoney.net/resour… Spot something wrong, or have an idea to make it better? DM me here or on LinkedIn. All feedback helps. ⚠️ DISCLAIMER ⚠️ A personal project built from experience. Not legal, financial or investment advice. Not affiliated with any company named. Talk to licensed professionals before you build anything. Huge inspiration from the work of @konstantinsaifo and @DilumSanjaya