Portugal Neobank / Crypto Banking — Compliant Development
Launch a neobank / crypto banking in Portugal with compliance controls mapped to CMVM/BdP and MiCA. Block Intelligence builds production software; independent counsel handles licensing.
Compliance scope
Portugal · Neobank / Crypto Banking
Portugal supervises crypto-asset service providers under MiCA through CMVM and Banco de Portugal (CMVM/BdP). 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 | Portugal |
|---|---|
| Regulator | CMVM/BdP |
| 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
- Integrate KYC/AML checks during account creation and transactions.
- Implement secure digital banking features for customer protection.
- Enable transaction monitoring and reporting for compliance.
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 physical branches, often focusing on cryptocurrency services.
- What compliance requirements apply to neobanks?
- Neobanks must implement KYC/AML procedures and comply with financial regulations set by CMVM/BdP.
- Can I customize the neobank software?
- Yes, the neobank software can be tailored to meet specific business needs while ensuring compliance.