Castar Neobank Calculator
Inputs
Initial setup
One-time launch costs
Metric
Type
Cost
Total one-time setup cost
One-time
$264,000
Breakdown
Banking / salary account setup
One-time
$75,000
Card program setup
One-time
$40,000
Onchain setup
One-time
$0.00
Web PWA development
One-time
$100,000
Design studio
One-time
$20,000
Terms of service
One-time
$7,000
KYC ($2.00 / user)
One-time/user
$20,000
Virtual card issuance ($0.20 / user)
One-time/user
$2,000
Revenue
Monthly and annual view
Card volume: $60,000,000 / yearUser balances: $3,405,000 totalAvg balance: $340.50 / user
Metric
Monthly
Annual
Interchange revenue
$60,000
$720,000
Treasury yield revenue
$12,769
$153,225
Total revenue
$72,769
$873,225
User costs
Transaction and card costs
Transactions: 17 / user / month166,667 total / month
Metric
Monthly
Annual
Per transactionOnchain
Monthly
Annual
Wallet signature (Turnkey)
$8,333
$100,000
Blockchain gas fees
$0.00
$0.00
Per transactionCard program
Monthly
Annual
Card authorization
$12,500
$150,000
Mobile wallet support
$5,000
$60,000
3D Secure (10% txns)
$666.67
$8,000
Per userOnchain
Monthly
Annual
Per userCard program
Monthly
Annual
Card maintenance
$2,500
$30,000
Total user costs
$29,000
$348,000
Contribution after transaction/card costs
$43,769
$525,225
Salary accounts
Local account details
Active salary accounts: 3,000 users (30%)3,000 deposits / monthAvg balance: $750.00 / active user
Metric
Monthly
Annual
Global account rails fixed cost
$15,000
$180,000
Account details maintenance
$750.00
$9,000
Inbound salary deposits
$300.00
$3,600
Compliance amortization
$450.00
$5,400
Total salary account costs
$16,500
$198,000
Salary account cost per active user
$5.50
$66.00
Treasury revenue on salary balances
$8,438
$101,250
Salary accounts net (treasury − costs)
-$8,063
-$96,750
Contribution after account costs
$27,269
$327,225