We build payment platforms, lending workflows, KYC/AML pipelines, and treasury systems for companies whose definition of 'down' is measured in basis points. PCI-DSS scope reduction is a design constraint, not an afterthought.
Mid-market and growth-stage FinTechs — payments processors, neobanks, lending platforms, embedded-finance providers, treasury and CFO-tech, regulated brokerages — that need software vendors who understand both the engineering and the regulatory reality.
Most FinTech systems do not fail because the engineering is bad — they fail because compliance, performance, and reliability are treated as separate concerns layered on top of each other. We treat them as one design problem from day one.
We have been shipping financial software since 2004. The systems we build today look nothing like what we shipped 20 years ago — but the discipline of treating every transaction as auditable, every deployment as reversible, and every dependency as a regulatory question, is the same.
Regulatory and operational realities we design around — not bolt on. Every engagement starts with a scope conversation that includes the compliance posture, not just the feature backlog.
Tokenized card-data handling, scope-minimized architecture, audit trails for every privileged action, and CI-enforced controls (image scanning, secrets management, change approvals). We design platforms with the smallest possible PCI footprint.
Strong Customer Authentication flows, exemption logic, Open Banking integrations (AISP/PISP), 3DS 2.x flows, and the operational dashboards that let your compliance team prove to auditors that the rules are actually being followed.
EU data residency baked into infrastructure-as-code, data-subject-request automation, retention schedules enforced at the database level, and audit logs that survive both EU and global review.
Identity-verification pipelines (document + biometric), sanctions and PEP screening, risk-scoring workflows, SAR/STR generation, and transaction monitoring patterns that regulators recognize.
Regulator-facing reporting pipelines (transaction reporting, best-execution reporting, position reporting), with audit-grade reconciliation between operational data and what the regulator sees.
Most clients arrive without these and need them within 12–18 months to close enterprise deals. We design infrastructure so the audit becomes a paperwork exercise, not a re-architecture project.
01
Card, bank-rail, and wallet-based gateways with tokenized vault patterns, multi-PSP routing, retry logic that respects scheme rules, and real-time settlement visibility.
02
Identity verification, document + biometric checks, sanctions and PEP screening, risk-scoring engines, and case-management consoles for ops and compliance teams.
03
Origination, underwriting, decisioning, servicing, and collections — with policy engines that the credit team can change without redeploying.
04
Bank-account aggregation, multi-currency cash positioning, payment scheduling, FX exposure management, and reporting that finance teams actually use.
05
Real-time order books, position management, margin calculation, and the operational tools the back-office needs to do reconciliation by 9am.
06
Transaction reporting, suspicious-activity reporting, best-execution reporting, and the audit infrastructure that lets you reproduce any historical figure on demand.
Payments & rails
Direct integrations with card networks, ACH/SEPA/Faster Payments rails, and modern PSPs. Tokenized card handling with PCI-scope reduction as a design constraint.
Production architecture
Multi-region Kubernetes, audited infrastructure-as-code, blue/green deployments with sub-second rollback, and the observability stack that lets you spot a latency regression before merchants do.
Compliance engineering
PCI-DSS, GDPR, SOC 2, and ISO 27001 controls implemented in code, not policy PDFs. Audit trails by default. Data-subject requests automated. Retention enforced at the storage layer.
load time reduction
Strangler-fig migration from a legacy PHP monolith to a Node.js microservices platform on Kubernetes. p95 1.8s → 320ms with zero customer-visible downtime over 14 months. PCI-DSS audit closed without findings.
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End-to-end web applications — from API design to deployment pipelines. React, Next.js, Node.js, and the rest of the stack you'll actually run in production.
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Infrastructure that doesn't keep you up at night. AWS, GCP, Azure. Kubernetes when it earns its place. CI/CD with rollback. Cost-aware from day one.
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Bespoke business systems built around the workflow you actually have, not the one a generic SaaS forces on you.
Learn moreClinical operations, telehealth, EHR integrations, and patient-engagement platforms built for HIPAA, GDPR, HL7/FHIR, and the realities of selling into hospitals.
Greenfield SaaS, multi-tenant platforms, and post-PMF scale work. Production engineering plus the technical SEO and growth infrastructure that turns a product into a business.
Most engagements start with a 30-minute discovery call. No pitch deck, no NDAs on day one — just an honest conversation about your problem.
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