Austria Neobank / Crypto Banking — Compliant Development
Launch a neobank / crypto banking platform in Austria with compliance controls mapped to FMA and MiCA. Block Intelligence builds production software; independent counsel handles licensing.
Compliance scope
Austria · Neobank / Crypto Banking
Austria supervises crypto-asset service providers under MiCA through Financial Market Authority (FMA). Firms offering exchange, custody, advisory, or other CASP services must obtain authorization and meet prudential, governance, and AML requirements before serving clients in the EU.
| Jurisdiction | Austria |
|---|---|
| Regulator | FMA |
| Product | Neobank / Crypto Banking |
Software
Built-in compliance controls
- Fiat + crypto unified ledger and user onboarding
- Card issuance integration points and spend controls
- Savings, yield, and transfer modules with compliance gates
- Core banking API adapters and reconciliation
- Customer support, disputes, and regulatory reporting tooling
- Comprehensive KYC processes for account opening
- Secure digital banking infrastructure
- Transaction monitoring and compliance reporting
Block Intelligence provides technology development and compliance-oriented software architecture. We are not a law firm. Licensing and regulatory advice is provided by independent legal partners in each jurisdiction. Information is current as of 2026-03-01 and subject to change.
FAQ
Frequently asked questions
- What is a neobank?
- A neobank is a digital bank that operates without traditional physical branches, often providing services via mobile apps.
- Do I need a license to operate a neobank in Austria?
- Yes, operating a neobank requires obtaining CASP authorization from the FMA.
- How does Block Intelligence ensure compliance for neobanks?
- We integrate compliance features such as KYC and AML into the banking software.