OnlyBank — Creator Neobank
A stablecoin-native creator neobank and fan-investment platform built on a monorepo architecture for fast, consistent shipping.
OnlyBank gives creators a bank built around how they actually earn — USDC-native accounts, a Visa debit card, automated US tax handling, and a layer that lets fans invest in the creators they follow through bonds and revenue shares. Two ideas, banking and fan investment, that have to live in one trustworthy product across creator, investor, and agency-manager roles.
The challenge
Anything that touches money sets a high bar: correctness, clarity, and a UX that earns trust on first use. Layering a fan-investment market on top of stablecoin banking multiplies the surface area — more flows, more states, more ways to confuse a user if the design isn’t disciplined. The platform spans a creator dashboard, an investor portal, an agency-manager console, onboarding/KYC, and a large marketing-and-SEO surface. It all had to ship quickly across those connected apps without the codebase fragmenting or the experience feeling stitched together — and with zero tolerance for sloppiness where money moves.
The approach
We built OnlyBank as a Turborepo monorepo in TypeScript, with multiple Next.js/React front ends and Node.js-side services sharing types, components, and a single design system. The monorepo keeps every surface consistent and lets a change land once and apply everywhere — critical when money is involved and drift is dangerous. We focused the product design on making stablecoin-native flows feel as calm and familiar as ordinary banking, and on keeping role-specific surfaces (creator vs. investor vs. manager) coherent under one brand.
What we built
- A creator dashboard spanning Wallets, Send/Receive, Convert, Card, Payroll, Splits, Yield, Advances, Tax (with FBAR and reserve tooling), Insurance, Governance, and Offerings
- An investor portal — Explore, Creators, Offerings, Portfolio, Market, Watchlist — for buying into creator-issued instruments
- An agency-manager console for advances, creator management, and agency billing
- A shared
packages/uidesign system plus sharedtypes,utils,config, and an OnlyBank TypeScriptsdk - A high-craft marketing surface with reusable components — bento, scroll-story, stat-band, step-flow, money-visual, trust-strip — driving comparison, guide, and SEO landing pages
- A guided onboarding/KYC flow gating financial operations behind verification
The outcome
OnlyBank brings creator-native finance together in one coherent, fast-moving product. Money software demands real engineering rigor — and that same rigor is what we bring to every site and platform this studio ships.