Embedded Finance

Finance that stays inside your product

Users pay, borrow, or get paid without a redirect to a third-party site. We build the provider integration and the front-end flow together, so the branding, the error states, and the confirmation come from your app. The finance step stops feeling like a detour and support stops explaining someone else's screen.

Money movement you can account for

Each charge, payout, and fee lands in a double-entry ledger your team owns. When finance asks where a balance sits or why a number moved, the answer comes from one record instead of four provider dashboards. Reconciliation runs against your data, so a mismatch surfaces early rather than at month-end close.

One team that builds and runs it

The engineers who wire the provider, the webhooks, and the reconciliation stay available after launch. When a rail changes its API or volume spikes, the people who know the system handle it. You avoid the handoff gap where a build team leaves and the finance flow becomes nobody's responsibility.

Discover

Systems, constraints, and the regulation you operate under get mapped before implementation starts, so the design accounts for what already runs and for what examiners will ask about.

Architect

A design that fits your stack. Integration-first, self-hostable, and built to change as rails, regulation, and volume do.

Build

Senior engineers ship in tight increments, each tested and reviewed as it goes, so the system is reviewable at every step instead of only at the end.

Harden

Security, compliance, and load-testing run inside the build, so controls, audit trails, and peak-volume behavior are proven before launch.

Run

The handover includes clean, documented systems, with the option to keep the same engineers operating them once they are live.

Provider-agnostic orchestration

We do not resell one provider. We build the routing layer that sits above them, so you can add a second processor or switch a payout rail without rewriting the checkout. This keeps pricing negotiable and protects the product when a provider changes terms or a region needs a local partner.

You own the ledger

The double-entry ledger lives in your infrastructure, not inside a vendor account you cannot export. Balances, holds, and fees are recorded as immutable entries your finance and audit teams can query directly. If you change providers later, the record of each movement stays with you and reconciliation logic does not restart.

Compliance treated as engineering

PCI DSS 4.0 scope, KYC and KYB flows, and BIN-sponsor requirements shape the design before code ships. We build tokenization, audit trails, and access controls that an examiner can inspect. Licensing and sponsorship realities get named up front, so a program does not stall when the regulated partner reviews it.

A finance surface that stays native

The finance flow uses your components, your copy, and your error handling. We treat the provider SDK as a back-end dependency and rebuild the surface a user touches. The result reads as one product, so trust holds at the exact moment a user hands over card or bank details.

System Design

Target architecture against your systems, with failure domains and the order things get built.

API contracts

Every integration point written before an implementation exists.

Compliance scope assessment

Which systems fall in scope under each option, and what the design removes.

Cloud cost model

What it costs to run at your volume, by component.

Security review

Threat model for the paths that move money or hold personal data.

Migration and cutover plan

Parallel run, reconciliation, gradual shift, and a rollback point at each step.