Cards, wallets, lending, and investing—user experiences that feel instant with backends that respect ledgers, reconciliation, and regulatory scrutiny.
Fintech products that feel simple—because the complexity is modeled, tested, and observable
We pair mobile-first UX with idempotent APIs, strong authentication, and event-sourced money movement where appropriate. KYC/KYB, sanctions screening, and dispute flows are designed with counsel—not improvised after launch. Covers neobank features, digital wallets, lending workflows, savings/investing shells, B2B payouts, and embedded finance—partnered with licensed institutions when your model requires.
01 // THE MANDATE
Cards, wallets, lending, and investing—user experiences that feel instant with backends that respect ledgers, reconciliation, and regulatory scrutiny.
We pair mobile-first UX with idempotent APIs, strong authentication, and event-sourced money movement where appropriate. KYC/KYB, sanctions screening, and dispute flows are designed with counsel—not improvised after launch.
Covers neobank features, digital wallets, lending workflows, savings/investing shells, B2B payouts, and embedded finance—partnered with licensed institutions when your model requires.
02 // ENGINEERING
Development process
Structured phases—from discovery to launch—with clear ownership and handoff points.
Regulatory & partner strategy (weeks 1–4)
Core banking UX (weeks 4–14)
Compliance depth (weeks 10–20)
Scale & polish (weeks 18–26)
Operate (ongoing)
03 // CAPABILITIES
Core Capability Matrix
The building blocks of your solution
Onboarding
KYC/KYB tiers, document capture, manual review queues.
Accounts
balances, transaction history, statements, export for accounting.
Payments
cards, ACH, RTP, wires—scoped by partner and region.
Fraud
device signals, velocity limits, step-up auth, and case management.
Lending
applications, credit decisions via partner APIs, amortization, servicing hooks.
Compliance
OFAC, SAR workflows handoff, record retention, audit trails.
Notifications
push/SMS/email with regulatory content templates.
Admin
exceptions, adjustments with maker-checker, and full audit logs.
Embedded finance
merchant flows, split payments, platform fees.
Observability
reconciliation dashboards; alert on settlement mismatches.
04 // DELIVERY LIFECYCLE
The strategic roadmap
Milestones and checkpoints—each phase has a clear outcome before the next begins.
Weeks 1–4: Legal/partner alignment, threat model, MVP scope.
Weeks 5–12: Core flows in sandbox; pilot users; fraud tuning.
Weeks 10–18: Production launch criteria; compliance sign-offs; monitoring.
Weeks 17–22: Public launch; hypercare; backlog triage.
Ongoing: New products (credit, investing), regions, and partner migrations.
05 // PRODUCT SCOPING
Choosing your path
Two engagement models—start lean and iterate, or commit to a full platform build from day one.
MVP
Speed & essentialism
Full product
Enterprise maturity
06 // PARTNERSHIP
Why work together
A single accountable partner across strategy, build, and go-live—not a revolving door of vendors.
End-to-end ownership: discovery, architecture, implementation, and launch—with clear communication and production-grade engineering.
- Discovery & alignment
- Systems that scale
- Implementation depth
- Clear comms
07 // CLARITY
Frequently asked
We implement your UX and orchestration atop BaaS/processor primitives—so you focus on brand and customer experience while partners handle regulated rails where appropriate.
08 // MORE SOLUTIONS
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