We build payment gateways, neobank platforms, lending systems and digital wallets. PCI DSS, PSD2 and GDPR compliance built into the architecture - not patched on after the regulator asks.
Discuss your projectCustom fintech software solutions — from payment infrastructure to full neobank platforms
Payment gateways, wallets, remittance and money transfer platforms. Multi-currency, multi-rail, global reach. PCI DSS scoped from day one - not retrofitted after the first security audit.
Digital-first banking apps with accounts, cards, KYC onboarding, push notifications and open banking. Core banking integration with Mambu, Railsbank or a greenfield build - we have done both.
BNPL, P2P lending and credit scoring with automated underwriting, bureau integrations and loan lifecycle management. Designed for the regulatory requirements in your target market.
Investment platforms, robo-advisors, portfolio dashboards and real-time market data. MiFID II reporting for EU-regulated products. Execution infrastructure built for low-latency requirements.
Policy management, claims automation, embedded insurance APIs and actuarial data integrations. Parametric models, pay-as-you-go products and distribution partnerships - built for the modern insurance stack.
Wallets, exchange backends, staking platforms and tokenized asset management. We work in jurisdictions with clear crypto regulation - EU MiCA, UK FCA sandbox, EEA-licensed operations.
Payment gateways processing live transactions. Neobank backends handling real KYC. Lending platforms with actual underwriting. The engineers who built your compliance architecture are the same ones picking up the 2am alert six months after launch.
We know which controls apply at which layer - and design for them from the start
Cardholder data environment scoping determines your compliance cost more than anything else. We define the SAQ type (A, A-EP, D) in week one and architect to minimize scope - tokenization, network segmentation and vault strategy decided before any application code is written.
Strong Customer Authentication with dynamic linking, TPP access management and open banking API standards for European markets. We implement SCA at the transaction level, not as a UI-layer bolt-on - and we know the RTS requirements, not just the headline.
Transaction monitoring rule engines with velocity rules and threshold alerts, KYC onboarding with identity verification providers, beneficial ownership checks for business accounts, and SAR filing workflows. Designed for the jurisdiction your users are in.
Consent management, data residency, right-to-erasure implementation and DPA agreements. Financial data triggers stricter GDPR obligations than most categories - we design for that from the data model, not from the privacy policy page.
Digital Operational Resilience Act is in force across the EU since January 2025. If your clients are EU banks, payment institutions or investment firms, you are in scope as a third-party ICT provider. We deliver documented runbooks, RTO/RPO SLAs, incident reporting procedures and resilience architecture as standard for EU fintech clients.
Security, availability and confidentiality controls for fintech SaaS platforms serving institutional clients who ask for Type II reports before signing. We align controls from the start - not as a pre-audit sprint.
Compliance scoping in week one. Working code at the end of every sprint.
Week one is discovery and compliance architecture. We identify which regulations apply to your specific product (not every fintech needs PCI DSS SAQ D), map integration requirements and produce architecture decisions you can share with your board or regulator. Output is a document, not a Figma.
Cardholder data environment boundaries, tenancy model, auth flows, API contracts - decided and documented before development starts. UI/UX wireframes for compliance-heavy flows (KYC onboarding, transaction review, SCA) happen in parallel. Design does not wait for architecture to finish.
Payment rails, third-party APIs and compliance tooling go in as features are built - not bolted on before launch. QA and security testing happen in the same sprint. At the end of every two weeks you see a working build, not a status update.
CI/CD, monitoring and alerting are live before go-live. After launch we track p95 latency, reconciliation discrepancies and error rates. Most fintech clients keep the team for 12+ months - the engineers who built the compliance layer are the ones who know where the edge cases are.
default across frontend and backend - typed APIs and shared interfaces catch mismatches between layers before they reach a production payment flow
primary runtime for payment APIs, webhook handlers and real-time transaction feeds - fast event loop, broad fintech SDK support
high-throughput payment microservices where sub-100ms p99 matters - minimal memory footprint, solid concurrency model, no GC pauses under load
credit scoring models, AML rule engines, data pipelines and automated compliance reporting - rich ML and data ecosystem
UI layer for customer-facing fintech products, back-office dashboards and compliance review interfaces
default database for fintech - row-level security for tenant isolation, strong ACID guarantees for ledger operations, point-in-time recovery
primary cloud for most fintech projects - HIPAA and PCI-eligible services, BAA coverage, VPC isolation, managed KMS for encryption key lifecycle
every service ships containerized - identical environments from local dev to the PCI-scoped production environment, no environment-specific compliance gaps
orchestrates payment microservices at scale - rolling deploys with zero-downtime, horizontal auto-scaling for transaction volume spikes
all infrastructure as code - VPC, security groups, IAM policies, KMS keys. Reviewed before apply, versioned in your repository, auditable for compliance
Encryption, tokenization and access controls are in the data model and infrastructure from day one. They are not UI-level features added when a regulator requests them - or after the first penetration test.
PCI DSS SAQ types, PSD2 RTS requirements, FATF AML guidelines, MiFID II reporting obligations, DORA ICT risk management. We design to the specific rule - not a generic interpretation of it.
Compliance work runs in parallel with product development - it does not push your timeline out by months. We have done this enough times to know what moves in parallel and what must be sequential.
Payment systems need sub-100ms response times under load. We design for idempotency, retries, dead-letter queues and reconciliation from the start - not when the first production incident happens.
Stripe, Plaid, Twilio, Mambu, Railsbank, SWIFT, Adyen, open banking APIs. We have debugged their edge cases in production, know their rate limits and have handled their webhook failure modes.
Engineering offices in Ukraine, Austria, Bulgaria and Germany. Your team works European business hours - 4-8 hours of daily overlap with UK, EU and US East Coast. Decisions don't wait until the next morning.