You can also refer to the article, is Neat a bank?
Neat works with a licensed partner. The Neat Card is issued by ePayLinks Technology Co. Ltd (“ePayLinks”), an authorised MasterCard® prepaid card issuer in Hong Kong.
Neat Limited is licensed as a Money Service Operator (License Number: 19-06-02796), Trust and Corporate Service Provider (License Number: TC006452) and Money Lender (License Number: No. 0114 / 2019) in Hong Kong.