/// Pay · Whitelabel Neo-bank

One platform. Any app you can imagine.

Protocore Pay is a single whitelabel platform — ledger, accounts, KYC, cards, crypto — with an app layer that becomes whatever product you design. Halcyon, Lumen, Fern, and Volt, shown below, are four example directions of infinitely many. Yours is built for your brand and your users.

Whitelabel platform

Any

Design language · feature mix

IBAN

Accounts + cards

4 chains

BTC · ETH · Base · Solana

/// 01

The core does the banking

Ledger, accounts with IBANs, KYC, card issuing, and crypto sit in one platform. Client apps talk to the core; they never reimplement it. That is why the example apps below can disagree about everything visible and agree about every balance.

[ 01 ]Double-entry ledger under every account and card
[ 02 ]IBAN accounts, physical and virtual cards
[ 03 ]KYC and onboarding as core flows, skinned per app
[ 04 ]Crypto alongside fiat — BTC, ETH, Base, Solana

/// 02

The app layer takes any shape

The app layer is genuinely open: any design language, any feature mix, any audience. The four directions shown here demonstrate it — Halcyon is a clean exchange, Lumen a super-app, Fern puts transfers first, Volt is a sub-account bank — four of infinitely many. Your app starts from your brand, not from one of ours.

[ 01 ]P2P and chat payments, payment links, and groups
[ 02 ]Payroll and B2B batch payouts
[ 03 ]Subscriptions control and salary sorting as modules
[ 04 ]Team cards with per-card controls

/// 03

The console behind every app

Whatever the front end looks like, operations run through the same back office: customer 360s, transactions across fiat and crypto rails, card controls, payment links, and insights. Every privileged action is reason-required and audited. The console ships with the platform — and is also available as its own product, Protocore Center.

/// 04

Whitelabel without the compromise

Most whitelabel banking means your logo on someone else's app. Protocore Pay means your app on our core: your designers own every screen, your product team owns the feature mix, and the platform underneath is already running in production demos you can walk through today.

/// In the product

/// Example 01 · Halcyon

Halcyon example app home screen with a light, blue, clean exchange layout showing balances and assets — Halcyon — one example direction: a clean, light exchange.

Halcyon ETH asset page showing €2,863.40 up 2.1%, a one-day chart, a 0.052 ETH position worth €148.90, market stats, and buy and sell buttons — The ETH page — €2,863.40, your 0.052 ETH position, buy or sell from the same screen.

Halcyon buy screen purchasing 120.41 USDC for €120 with quick-amount chips, a keypad, and funding from a EUR account holding €1,310.10 — Buying USDC — €120 becomes 120.41, funded straight from the EUR account.

Halcyon earn screen showing €1,086.10 of assets earning, USDC at 4.20% APY flexible, ETH staking at 3.10%, and a twelve-month projection of +€47.10 — Earn — 4.20% on USDC, 3.10% on staked ETH, accrued daily and paid weekly.

Halcyon payment link creation screen composing a shareable money request — Payment links — request money with a link, settle to the ledger.

/// Example 02 · Lumen

Lumen example app home screen with a light indigo super-app layout showing accounts, cards, and services — Lumen — one example direction: an indigo super-app.

Lumen cards screen showing a dark card ending 4417 with freeze, details, and settings, €312.40 spent of a €2,000 limit, online-payment and contactless toggles, and recent card transactions — Card controls — freeze, toggles, and €312.40 of €2,000 spent, all on one screen.

Lumen exchange screen converting 500 EUR into 501.70 USDC at a rate of 1.0034 with a €0.50 fee included and quick chips for 10, 25, 50 percent, and Max — Exchange — €500 becomes 501.70 USDC, rate and fee stated before confirm.

Lumen chat thread with an inline peer-to-peer payment sent as part of the conversation — Chat payments — money moves inside the conversation.

Lumen subscriptions screen totalling €38.97 a month, flagging a GymFlex price rise to €24.99, showing TeleVox+ blocked at the card, and hinting at a duplicate service — Subscriptions — €38.97 a month, a price rise flagged, one service the card declines.

/// Example 03 · Fern

Fern example app home screen with a light green transfers-first layout focused on sending money and recent recipients — Fern — one example direction: transfers first, for people who mostly send.

Fern send screen where the sender pays exactly 120.00 EUR with a 0.50 fee and the recipient gets 119.91 USDC at a rate guaranteed for 24 hours, arriving in seconds — Send — exactly €120.00 in, 119.91 USDC out, the rate guaranteed for 24 hours.

Fern recipients screen listing contacts reachable by @handle or IBAN, each with their own receiving currency of EUR or USDC — Recipients — @handle or IBAN, each contact in their own currency.

Fern auto-convert rule converting 500 EUR to USDC when the rate reaches 1.0100, with the current rate at 1.0034, a 30-day best of 1.0071, the fee locked, and an alert-only rule paused — Auto-convert — €500 moves itself when the rate reaches 1.0100, fee locked now.

Fern payroll screen with a business batch payout going to a team — Payroll — B2B batch payouts from the same accounts.

/// Example 04 · Volt

Volt example app home screen with a dark neon layout showing sub-accounts and balances — Volt — one example direction: a dark, neon sub-account bank.

Volt pay screen sending €120.00 to @andrei instantly and free, with a source picker reading From Daily €640.10 and a gradient pay button — Pay — €120.00 to @andrei, instant and free, straight from Daily.

Volt payment group for a Cluj trip with €480 spent across four members, balances of +€200, −€40, −€40, and −€120 with remind buttons, an expense list, and one settle-up action — Groups — the Cluj trip, €480 across four members, one Settle up.

Volt salary sorter splitting an incoming salary across sub-accounts automatically — Salary sorter — incoming pay splits itself across sub-accounts.

Volt team cards for Arc Studio SRL with a €2,000 monthly budget, per-employee cards with €500 limits and spend bars, an in-flow approval request for a €200 limit raise, and an issue-new-card action — Team cards — a €2,000 budget, €500 per-card limits, approvals in the flow.

/// The operator console

Operator console User 360 for A. Ionescu showing a €2,458 balance, €38.4k lifetime flow, two cards with one frozen, 184 transactions, full KYC tier, masked email and phone with reveal, a block action, and tabs for KYC, cards, balances, and transactions — User 360 — one customer, every balance, card, and transaction in view.

Operator console transactions view listing 4,912 rows across the fiat ledger and crypto top-ups with filters for type, status, and user, and statuses Routed, Settled, Crediting, and Declined — Transactions — both rails in one list, 4,912 rows deep.

Operator console payment-links back office listing 214 links across paid, active, and expired, with a detail drawer showing the settlement transfer and an open-in-Tracer link — Payment links back office — 214 links, and revoke is not a refund.

Availability

Available standalone or whitelabel — under the Protocore brand or yours.

Pick a product. Or take the core.

Everything above runs in production demos we can walk you through — standalone, whitelabel, or as one platform. Tell us what you're building and we'll show you the shortest path to it.

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Protocore Center

Center · Operations Console