FinTech software engineering · since 2005
We speak fluent FinTech.
Your challenge, understood. Your solution, engineered.
Clients & partners we build with
What we do
Our main capabilities. Each one carries the systems we engineer, the products you can start from, and the cases running in our clients' production.
View portfolio- PaymentsCards & wallets·Billing & subscriptions·Money movement·Reconciliation & ledger·Embedded finance
- Banking Operations3DCore financial operations·Payments & money movement·Internal operations·Lending & credit
- Risk & CompliancePCI DSS readiness·KYC & KYB digital onboarding·Transaction monitoring·Risk scoring & decisioning·Fraud detection
- AI in FinanceFinance process automation·Copilots for finance ops·Forecasting & portfolio analytics·Applied AI
- FinTech EngineeringArchitecture & engineering·Legacy modernization·Data engineering·Mobile fintech apps
Products to cut time-to-market
Software that is already built and running. Each product removes months of groundwork, and the engineers who wrote it are the ones who extend it for you.
All productsPayment Gateway
Payment acceptance, routing & orchestration
A region-aware orchestration gateway written in Rust. One API and one checkout route each transaction to the processor most likely to approve it, by region, currency and method. Underneath sit the parts teams usually bolt on later: lifecycle, double-entry ledger, risk, disputes, durable state and webhooks you can trust.
Appraisal Intelligence
AI asset appraisal & valuation
Asset appraisal that reads the file instead of asking an analyst to. It extracts assets from PDFs, spreadsheets and photos, retrieves comparable historical sales, and produces a three-tier valuation with the reasoning cited back to its source. What used to be a week of desk research arrives as a client-ready report.
FinLend
Lending decisioning, risk & document intelligence
Underwriting that runs on your own infrastructure. FinLend reads a borrower document pack, scores the risk with an explainable model, and puts an on-prem assistant on the file, so the decision and the reasons behind it both take minutes. Every score traces back to its inputs for adverse-action review.
PayRail
Invoice payouts & reconciliation
Invoice through payout to reconciliation in one pipeline. Approvals, rails and currencies are configuration rather than code, and each transfer carries the ledger entry that matches it against the bank statement. Finance stops re-keying between systems and stops chasing failed transfers through email.
Voiager
AI voice agents
Voice agents that handle the finance-ops calls nobody should be queueing for. They read intent, pull account context through your APIs, and resolve routine requests end of call. Anything outside policy escalates to a person with the transcript attached, so the customer never starts over.
OXAdvisor
Investment & wealth advisory accelerator
Client goals become a defensible, fully allocated investment plan in minutes. Optimization, forecast and monitoring run on one board, and every proposal records the risk profile, the model and the constraints in force when it was made, which is what a supervisor asks for months later.
Shipped to production
Systems running in production across payments, lending and billing. Each case walks through what was broken, what we built, and what changed after.
Explore full portfolioPSP-independent payment layer for a subscription platform
UK meal-kit subscription platform
A UK meal-kit subscription platform now owns a payment orchestration layer that treats every PSP as a plug-in behind one internal contract. We built that layer while moving millions of live subscriptions to a new provider with zero downtime.
Regional payment orchestration for a D2C media platform
D2C OTT & media subscription platform
A D2C media platform expanding into MENA, LATAM, and Southeast Asia now owns a payment orchestration layer that routes every charge to the processor most likely to approve it. Payments moved out of the engineering backlog and into the hands of the business.
Multi-PSP payment ecosystem for a subscription retention provider
Subscriber-retention platform (Merchant of Record)
The client now owns a payment orchestration layer that routes every transaction across multiple PSPs and recovers failed recurring charges on its own. The retention core that major subscription brands depend on stayed untouched, and the Merchant-of-Record role never left the platform.
FinTech is the whole job of this practice.
It is what this practice builds, which is why the failure modes below are ones we recognize rather than ones we read about.
Payments and lending, since 2005
Twenty years of acquiring, orchestration, underwriting and reconciliation work means we have already met most of the ways these systems fail at volume. That means the design accounts for them up front, before your production window is the place they surface.
The architects stay through production
Whoever designs your system is the same person who ships it and hardens it, and the team can keep operating it after launch. Nobody hands your architecture to a bench.
Accelerators that save months
A payment gateway, a lending engine and an advisory platform are already in production. Start from working software and extend it as your own.
FinTech software, built and run
Engineering teams that work alongside yours on payment, lending and finance systems. Senior people, embedded, for as long as the build runs.
All servicesFinTech Product Architecture & Engineering
We design and build fintech products that survive audit, load, and the first year in production.
Legacy Application Modernization
We replace aging financial systems in slices, with a rollback path at each step.
Applied & Generative AI for Finance
We build AI systems for finance work that must survive an audit, a regulator, and a bad quarter.
The delivery model
One delivery approach on every engagement. It starts at architecture and ends with a system running in your own cloud, documented well enough that your team could take it from there.
Discover
Systems, constraints, and applicable regulation get mapped before implementation starts.
Architect
A design that fits your stack. Integration-first, self-hostable, built to change.
Build
Senior engineers ship in tight increments, tested and reviewed as they go.
Harden
Security, compliance, and load-testing run inside the build.
Run
The handover includes clean, documented systems, with ongoing operation available.
Tell us where
it breaks
Bring the part of your fintech stack that is hard right now. We start with a working consultation and scope to outcomes.
