White-Label Banking App and SDK Development for Priority Commerce
Project Overview
| Year | 2025 |
|---|---|
| Industry | |
| Duration | 6 months |
| Services |
|
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Challenge
The client wanted to replace fragmented banking journeys with one mobile product for registration and KYC, accounts and cards, payments, external bank accounts, transaction history, profile and security management. The platform also needed a second distribution model: partners had to be able to add the same banking capabilities to existing mobile applications without building every module from scratch. Key challenges included: PoC to production (the existing concept required production-ready architecture, integrations, security controls, testing, recovery flows, and release support); one foundation, two products (the standalone app and SDK had to share banking logic without becoming separate codebases); multi-brand delivery (each partner required its own themes, icons, localization, and available functionality); and reliable financial journeys (users needed clear transaction states and safe ways to continue after interrupted onboarding or payment flows).
Development journey
Celadonsoft transformed an existing PoC into a production-ready BaaS mobile app for iOS and Android. The shared architecture allows end users to manage everyday banking activities while partners embed the same functionality into their own applications. One banking foundation had to support both a direct customer product and an embedded partner product.
Ecosystem between two versions
The standalone app and SDK reuse core logic and UI components instead of operating as separate products. The SDK allows partners to add banking functionality while preserving their own navigation, branding, and user experience. Multi-brand configuration separates themes, icons, fonts, and localization from core banking logic, with feature flags controlling the modules available to each partner. New branded products can be configured without maintaining separate codebases.
Solution
Mobile banking app: A cross-platform application for iOS and Android that allows users to complete registration and integrated KYC onboarding; manage accounts, cards, and external bank accounts; make and track payments; review transaction history; manage profile and security settings; authenticate through OTP, PIN, Face ID, Touch ID, or fingerprint. Financial journeys were designed with clear states and recovery paths for interrupted onboarding and transaction scenarios.
White-label banking SDK: Reusable banking modules designed for integration into existing partner applications. The SDK allows partners to add banking functionality while preserving their own navigation, branding, and user experience.
BFF and API layer: A Backend for Frontend aggregates data from banking services. A dedicated API layer centralizes communication with server-side systems. Explicit integration boundaries reduce mobile-client complexity. Stable interfaces simplify testing and maintenance.
Multi-brand configuration: Themes, icons, fonts, and localization are separated from core banking logic. Feature flags control the modules available to each partner. New branded products can be configured without maintaining separate codebases.
Security requirements: The product was engineered to support the controls defined through the client’s PCI DSS and SOC 2 programs, as well as Apple App Store and Google Play release requirements.
Technical implementation
We implemented a BFF and API layer to aggregate banking services and centralize communication with server-side systems. The mobile app and white-label SDK reuse core logic and UI components, with multi-brand configuration separating themes, icons, fonts, and localization from core banking logic. Feature flags control the modules available to each partner. Security controls were implemented according to PCI DSS and SOC 2 programs and app store requirements.
Results & Impact
- Production-ready banking app for iOS and Android
- White-label banking SDK prepared for partner integration
- One architecture for standalone and embedded banking experiences
- Reusable components across the main app and partner brands
- Brand configuration without changes to core banking logic
- Centralized mobile-to-backend integration through BFF and API layers
- Clear states and recovery paths for critical financial journeys
- Scalable product foundation for further BaaS development