In an increasingly interconnected world, the way people bank needs to evolve just as rapidly as the way they communicate, work, or shop. Yet cross-border banking—especially for individuals who need access to U.S. financial services—has remained complicated, slow, and regulation-heavy.

That’s exactly the challenge Genesis Bank, in partnership with Morgan White, brought to our team at Zarego.

Their vision was ambitious: develop a secure, multilingual, regulation-compliant web platform that would allow users from over 20 countries to open bank accounts quickly and easily—without the paperwork headache or the back-and-forth traditionally involved in international banking.

Here’s how we brought that vision to life and helped Genesis Bank take a bold step toward the future of global finance.

The Challenge: Global Compliance Meets User Expectations

Banking is inherently complex, but international banking raises the bar.

Genesis Bank needed a web-based solution that could:

• Handle regulatory compliance across jurisdictions, including strict FDIC regulations in the U.S.
  
• Deliver customized KYC (Know Your Customer) flows depending on each user’s country of residence
  
• Offer multilingual support for users worldwide
  
• Support real-time document generation and digital signatures
  
• Provide a seamless onboarding experience from sign-up to verification
  

In short, they needed to modernize the cross-border banking experience—without compromising trust, compliance, or usability.

This wasn’t just about building software. It was about building confidence for users in a high-stakes environment.

Our Approach: Compliance Without Complication

At Zarego, we believe the best tech solutions disappear into the background. For a user opening a bank account online—especially from abroad—every step should feel intuitive, secure, and fast.

Our first move was to engage in a comprehensive discovery phase. We collaborated closely with Genesis Bank’s legal, compliance, and customer support teams to map out user journeys, regulatory constraints, and country-specific workflows.

From there, we developed a solution architecture that balanced security, performance, and user-friendliness, with each component designed to scale and adapt as regulations evolve.

Phase 1: Building Trust Through UX

Banking is about trust. And trust begins with the user experience.

We crafted a clean, modern UI that:

• Guides users step-by-step through the onboarding and verification process
  
• Adapts dynamically to the user’s language and country of origin
  
• Clearly communicates legal and privacy policies in the user’s native language
  
• Works seamlessly across desktop and mobile devices
  

Our design team placed special emphasis on minimizing friction during onboarding while maintaining clarity about the requirements—especially around ID verification and documentation.

Phase 2: Stateful Web App for Real-Time Feedback

In banking, real-time interaction isn’t just a nice-to-have—it’s essential.

We developed a stateful frontend web application that enables:

• Real-time data validation and user feedback
  
• Seamless transitions between steps in the sign-up process
  
• Persistent sessions for users who need to complete onboarding in multiple sittings
  

This approach also enabled us to streamline back-office workflows, reducing the burden on Genesis Bank’s support team and shortening account approval timelines.

Phase 3: Integrating Compliance Tools That Work

Behind the scenes, some powerful technology helps make the platform both secure and compliant.

We integrated:

• Sumsub for customizable KYC verification, supporting different ID requirements, document types, and workflows based on the user’s country
  
• signNow for real-time document generation and digital signing, allowing users to review and sign legally binding agreements instantly
  
• Secure authentication systems to protect user data and meet industry standards
  

Every integration was designed with security, scalability, and compliance in mind. By automating large parts of the verification and signing process, we helped Genesis Bank reduce risk while accelerating onboarding.

Key Features Delivered

• Multilingual Support – Ensuring accessibility and clarity for users from 20+ countries
  
• Custom KYC Flows – Built around Sumsub’s robust compliance engine
  
• Real-Time Contract Generation & Signing – With legally binding e-signatures via signNow
  
• Secure Onboarding – From registration to authentication and account setup
  
• Mobile-Friendly UX – Fully responsive design for on-the-go banking
  
• FDIC Compliance – Architecture aligned with U.S. government banking regulations

The Result: Simpler, Smarter Cross-Border Banking

The result was a scalable, secure, and user-friendly platform that empowers Genesis Bank’s users to open accounts from anywhere in the world—in minutes, not days.

Since launch, the app has:

• Been successfully adopted in over 20 countries
  
• Enabled secure, real-time contract signing
  
• Delivered a smooth onboarding experience, reducing abandonment rates
  
• Ensured full compliance with FDIC and KYC standards
  

This platform doesn’t just meet regulatory demands—it exceeds user expectations, which is critical in an industry where customer satisfaction and trust are deeply linked.

What Our Client Had to Say

“They had good ideas and a fast response time.” Jamey Young – CIO Genesis Bank

From Vision to Execution: Why It Worked

Several elements made this project a success:

• True partnership: Genesis Bank and Morgan White were active collaborators, not just clients
  
• Clear priorities: We aligned on balancing user experience with regulatory rigor early on
  
• Purpose-built architecture: Instead of patching together third-party solutions, we built a unified system designed to grow
  
• Real-time tech: Stateless web apps don’t cut it in fintech. We invested in stateful processes that keep the user in control
  

Most importantly, everyone involved shared the same goal: make banking better for people everywhere.

Why This Matters

Cross-border banking isn’t just about financial access—it’s about opportunity. Whether it’s a student in Latin America needing a U.S. account, or a freelancer in Europe doing business with American clients, access to the global financial system is key to modern economic participation.

Yet most banks still rely on clunky processes, outdated portals, and manual document exchange.

This project shows there’s a better way.

With the right technology and the right mindset, it’s possible to:

• Respect complex regulations
  
• Protect user data
  
• Create fluid, friendly experiences
  
• Reach a truly global audience

Thinking About Building a Banking App?

Whether you’re in finance, fintech, or another highly regulated industry, the lessons from this project are clear: user experience and compliance can coexist—if you design for both from the start.

At Zarego, we specialize in making complex systems intuitive and scalable. From multilingual apps to secure onboarding workflows, we build products that work for real people in the real world.

View full project details here
Or get in touch to explore how we can help your team build smarter software.