Romania Neobank / Crypto Banking — Compliant Development
Launch a neobank / crypto banking solution in Romania with compliance controls mapped to ASF and MiCA. Block Intelligence builds production software; independent counsel handles licensing.
Compliance scope
Romania · Neobank / Crypto Banking
Romania supervises crypto-asset service providers under MiCA through Financial Supervisory Authority (ASF). 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 | Romania |
|---|---|
| Regulator | ASF |
| 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 processes for customer onboarding.
- Implement AML monitoring for all transactions.
- Ensure secure storage of user funds and data.
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 crypto neobank?
- A crypto neobank offers banking services tailored for cryptocurrency users.
- What compliance measures are needed for neobanks?
- Neobanks must implement KYC, AML, and secure banking practices to comply with MiCA.
- How long does it take to develop a compliant neobank?
- The development timeline typically aligns with the CASP authorization process, around 3-6 months.