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neobank-primitives
Neobank Primitives is an open-source, agent-native financial infrastructure that provides composable building blocks for accounts, identity, deposits, payouts, and policy-controlled operations, with a working demo and a Swipelux sandbox integration.
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2026-07-14
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FR-AI / ANALYSISWhy it is worth attention
It introduces a provider-neutral abstraction layer designed for both fintech applications and AI agents, with a clear policy engine that makes autonomy configurable and safe, while offering a fully interactive demo that works without credentials.
Who it is for
- Fintech developers building reusable financial primitives
- AI agent developers needing safe, constrained financial tools
- Startups exploring neobank or embedded finance products
- Engineers evaluating policy-controlled financial APIs
Use cases
- Quickly prototype a neobank with onboarding, KYC, balances, deposits, and transfers
- Expose typed SDK and MCP tools for AI agents to execute financial operations with policy guardrails
- Test provider-neutral integrations by swapping demo data for a live Swipelux sandbox
- Fork the starter and customize branding for a new fintech product
Strengths
- Fully interactive demo that works locally without any credentials or .env file
- Provider-neutral design with a clear DataSource boundary, making future adapters easy
- Explicit lifecycle (validate → evaluate → authorize → execute → normalize → audit) for safe agent interaction
- Typed TypeScript primitives and a modular architecture that separates UI from domain logic
Considerations
- Early build – the MCP server, standalone SDK, policy engine, and full KYB surface are not yet shipped
- Demo data and addresses must not be used with real funds; not a production compliance or custody system
- Users are responsible for provider onboarding, credentials, jurisdictional requirements, and operational controls
README quick start
Neobank Primitives
Agent-native financial primitives for fintechs and software that can act.
Build accounts, identity flows, deposits, payouts, wallet transfers, and compliance-aware operations on a provider-neutral contract. Start with the working neobank demo; extend it into policy-controlled MCP tools and a TypeScript SDK.
Run locally · Explore the primitives · See the architecture · Read the roadmap
Money movement should be composable
Most financial APIs expose endpoints. Autonomous software needs a safer abstraction: explicit intent, policy evaluation, normalized execution, durable state, and receipts it can reason about.
Neobank Primitives is building that layer for two consumers:
- Fintech applications that want reusable identity, account, balance, and transaction building blocks.
- AI agents that need narrowly scoped financial tools, machine-readable outcomes, and human approval when policy requires it.
The repository is useful now as a fully interactive neobank starter with realistic demo data and a Swipelux sandbox integration. The MCP server, standalone SDK, policy engine, and full KYB surface described below are the direction of the project and are not yet shipped as a production runtime.
The primitive surface
| Primitive | Working product flow | Target MCP + SDK contract |
|---|---|---|
| Identity | Customer onboarding and KYC state | Create, retrieve, and monitor customer identity |
| Businesses | Business account persona | Create organizations and track KYB requirements |
| Accounts | Fiat accounts, stablecoin wallets, and balances | Provision and query normalized financial accounts |
| Transactions | Quotes, bank payouts, and wallet transfers | Quote, authorize, execute, and inspect money movement |
| Storage | Local demo ledger and provider-backed state | Persist normalized operation state, receipts, and metadata |
| Controls | Human-readable execution explainers | Evaluate policies, require approval, and expose audit history |
The contract is designed to stay provider-neutral. Swipelux is the first adapter, not the shape every integration must inherit.
A
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