Digital Banking Platform MVP — UK Challenger Bank

FCA-Compliant KYC Onboarding: Electronic ID verification via Onfido (selfie + document — FCA-compliant CDD). PEP and sanctions screening (Dow Jones). Digital signature for account terms. FCA COBS (Conduct of Business) pre-contract information. Account opening journey optimised for FCA Consumer Duty — clear, no dark patterns. ClearBank API Integration: ClearBank embedded banking API for: sort code allocation, real-time Faster Payments inbound/outbound, BACS direct debit origination and collection, CHAPS for large payments, and account statements. ClearBank manages the Bank of England settlement account — no direct BoE access required. Marqeta Card Programme: Marqeta programme manager for Mastercard debit card issuance. Real-time transaction authorisation via Marqeta JIT (Just-in-Time) funding webhook: each transaction authorisation triggers a check of the account balance before approval. Apple Pay and Google Pay tokenisation. React Native Mobile App: Single codebase for iOS and Android. Biometric authentication (Face ID, fingerprint). Push notifications for transaction alerts (FCM, APNs). In-app card management (freeze/unfreeze, PIN change). Open Banking AISP view of other accounts via TrueLayer.