Engineering for regulated finance
From payment rails to AI decisioning — production systems for banks, fintechs, and financial institutions, delivered by senior engineers and shipped to audit-ready standards.
Payment rails built for scale
Card-present and online acquiring, tokenization, and settlement — engineered to clear volume reliably and keep sensitive card data tightly contained.
- Card-present & e-commerce acquiring
- Tokenization & sensitive-data isolation
- Settlement & reconciliation engines
- Scheme integration (Visa / Mastercard)
- 3-D Secure / SCA authentication flows
Production-grade transaction processing
Idempotent, observable, and audit-ready by design — from authorization to settlement and reconciliation.
Core systems that move money
Double-entry ledgers, accounts, and BaaS integrations on event-driven architecture — the dependable base layer for a regulated product.
- Double-entry core ledger
- Accounts & balances
- BaaS / sponsor-bank integration
- Event-driven, idempotent architecture
- Real-time statements & reporting
A ledger you can audit to the penny
Immutable, reconcilable, and event-sourced — accurate balances under load, with a complete history for every movement.
Compliance built into the stack
KYC/AML, monitoring, and screening implemented as first-class system components — not a bolt-on — so audits pass on evidence, not promises.
- KYC / KYB onboarding
- AML transaction monitoring
- Sanctions / PEP screening
- Case management & workflows
- Audit-ready, immutable reporting
Audit-ready from day one
Every decision logged, every rule versioned, every report reproducible — the trail an examiner expects, on demand.
Issue cards with real-time control
Virtual and physical programmes with BIN sponsorship, spend controls, and wallet provisioning — managed end to end.
- Virtual & physical programmes
- BIN sponsorship setup
- Real-time spend controls
- Tokenized wallet provisioning
- Programme management tooling
Programmes you can launch and govern
Granular authorization controls and provisioning flows, with the tooling to manage a live programme safely.
AI tuned for finance, with guardrails
Document processing, decisioning, and LLM-assisted operations built with monitoring and human-in-the-loop review where it matters.
- Document processing & extraction
- LLM-assisted ops & support
- Risk / credit decisioning
- Model monitoring & guardrails
- Human-in-the-loop review
Automation you can defend in an audit
Decisions are explainable, monitored for drift, and reviewable — automation that holds up to scrutiny.
Stop fraud without stopping good customers
Real-time scoring and behavioural models in a rules-plus-ML engine that adapts as threats evolve and chargebacks fall.
- Real-time risk scoring
- Behavioural & device models
- Rules + ML hybrid engine
- Chargeback & dispute reduction
- Adaptive model retraining
Lower losses, fewer false declines
A scoring engine tuned to your risk appetite — catching fraud earlier while keeping legitimate approvals high.
A clear path from scope to scale
Four phases, one accountable team — predictable delivery against your compliance and audit gates.
Discovery & scoping
We map the problem, architecture, and compliance scope, then return a proposal and plan — typically within a week.
Architecture & compliance design
System and controls are designed together, so security and audit-readiness are built in from the first commit.
Build & integrate
Senior pods ship production code and integrate schemes and partners, proven against your test and audit gates.
Operate & scale
Optional managed operation — monitoring, incident response, and capacity — as transaction volumes grow.
Have a system to build?
Tell us what you're shipping. We'll scope it in a week.