Neobank Business Model Calculator

Assumptions

Physical card costs are passed to the user.

Onramp and offramp costs are passed through to the user.

Revenue assumptions

Monthly spend per user

$

Card float (% of monthly spend)

%

Treasury yield

%

Interchange

%

Average transaction value

$

Cost assumptions

Per transactionOnchain

Wallet signature (Turnkey)

$

Blockchain gas fee

$

Per transactionCard program

Card authorization

$

Mobile wallet support

$

3D Secure

$

3D Secure transaction share

%

Per userOnchain

Per userCard program

Monthly card maintenance

$

Salary account details

Salary account opt-in

%

Net monthly salary

$

Salary retained as balance

%

Global account rails fixed cost

$

Account details maintenance

$

Inbound salary deposit

$

Salary deposits per active user

Compliance amortization

$

Initial setup

Banking / salary account setup

$

Card program setup

$

Onchain setup

$

Web PWA development

$

Design studio

$

Terms of service

$

KYC per user

$

Virtual card issuance per user

$

Settings saved.