Spain Neobank / Crypto Banking — Compliant Development
Launch a neobank / crypto banking solution in Spain with compliance controls mapped to CNMV/BdE and MiCA. Block Intelligence builds production software; independent counsel handles licensing.
Compliance scope
Spain · Neobank / Crypto Banking
Spain supervises crypto-asset service providers under MiCA through CNMV and Banco de España (CNMV/BdE). 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 | Spain |
|---|---|
| Regulator | CNMV/BdE |
| 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
- Embed KYC verification for all account holders.
- Implement AML monitoring to track suspicious transactions.
- Ensure secure data storage practices for customer information.
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 are the compliance requirements for a neobank?
- You must implement KYC, AML, and secure banking practices.
- How does MiCA affect crypto banking operations?
- Crypto banks must comply with MiCA regulations to operate legally.
- Can I customize my neobank software for compliance?
- Yes, we offer tailored solutions to meet your compliance needs.