The open-source, agentic, white-label platform for building a complete digital bank from scratch.
Own the whole bank — ledger, accounts, payments, cards, lending, compliance — not just a core.
White Bank is an open-source platform that lets any entrepreneur — or any established bank — stand up a complete, 100% digital bank from scratch. It is not a ledger or a core-banking engine in isolation; it is the whole bank: the ledger plus deposit accounts, payments, debit and credit cards, lending and loans, regulatory compliance, onboarding, statements, reporting, and support.
The platform is modular — operators activate only the capabilities they need — and agentic — AI agents handle onboarding, support, reconciliation, compliance monitoring, and fraud triage, with human-in-the-loop controls for anything that moves money or affects risk.
Everything is built on modern AWS reference architectures for financial services, with a relentless focus on cost efficiency: serverless economics plus agentic automation target the best ROE and lowest efficiency ratio in the industry.
- Banks struggling to modernize — institutions stuck on aging core systems that conclude building a new bank is faster and cheaper than modernizing in place. A first-class migration module moves legacy data across with zero impact on live operations.
- Fintech founders & challenger banks standing up a bank for the first time.
- BaaS / embedded-finance providers.
Because a bank is too important to be a black box. White Bank is built so a community of banks, fintechs, and engineers can extend and improve it together — new modules, adapters, and fixes come from everyone, not just the original authors. The module contract and adapter pattern exist precisely so third parties can contribute capabilities without touching the core.
- Complete bank, modular activation — enable only what you need via a
bank-manifest. - Ledger as source of truth — double-entry, immutable, hash-chained, verifiable.
- Agentic operations — automate the cost base that dominates a bank's efficiency ratio.
- Digital assets — send/receive stablecoins and originate BTC-collateralized loans.
- Incumbent migration — move an existing bank's data over without disrupting live operation.
- AWS-native & serverless-first — scale-to-zero economics, event-driven, IaC via CDK.
- Secure & compliant by design — KYC/AML, sanctions screening, immutable audit, encryption everywhere.
White Bank is in early development. The vision and full technical blueprint is defined; foundational work (Phase 0) is next. See the roadmap.
This project is being built in the open and we'd love your help. Start with:
- The vision document — the complete blueprint.
- The roadmap — where we are and what's next.
- CONTRIBUTING.md — how to propose modules, adapters, and fixes.
- Issues labeled good first issue once the repo is seeded.
Licensed under the Apache License 2.0.