We build lending, payments, trading, fraud and core banking software for banks, lenders, card issuers, asset managers and FinTech companies. Decisions get faster, and each one is logged with the data and rules behind it, so your risk team and regulators can see why it was made.
What we build
Each area is backed by work we've shipped. Start with the one you need now and add others as you grow.
Decision engines that read banking and business data, apply your credit policy, approve straightforward applications and send borderline ones to an underwriter.
Cross-border digital currency payments where both sides of a trade settle together, the same day, with keys held in hardware security modules (HSMs).
Algorithmic trading that keeps users' funds at their own broker, paper trading to test strategies, and live portfolio rebalancing for wealth managers.
Streaming models that score card transactions in milliseconds and learn from analyst reviews, plus ESG checks that test portfolios against your rules.
Mainframe-to-cloud moves, consistent ledgers, zero-trust access in place of broad VPNs, and cryptography that can be swapped for post-quantum standards.
Agents that read incoming documents and check them against your rules, search across contracts and policies, and controlled AI access for staff handling client data.
Our approach
The usual way
Automated credit and fraud decisions are fast, but nobody can explain one when an auditor or a customer asks.
How we do it
Clear lending and fraud rules sit alongside the models, borderline cases go to an underwriter or analyst, and every decision is stored with its reason.
The usual way
A core banking system writes to two places at once, and the ledgers slowly drift apart.
How we do it
A transactional outbox, change data capture and duplicate-safe processing make each posting land once. On one core banking platform, data consistency reached 100%.
The usual way
Mainframe replacement is planned as one big switch-over, so it never feels safe to start.
How we do it
We move one function at a time and keep the old and new ledgers in sync. A global core banking move to AWS ran with zero downtime and cut operating costs by 60%.
Results
17 published case studies. Every figure on this page comes from one of them.
We built an underwriting workflow that combines banking and business data and applies clear lending rules. Straightforward applications are decided automatically, and borderline cases go to an underwriter.
We built a streaming ML fraud platform for a card issuer that scores transactions in milliseconds, learns from analyst reviews and logs every decision. False positives fell 35%, and analyst workload fell 28%.
We moved a global core banking system from an ageing mainframe to AWS one function at a time, keeping both ledgers in sync throughout. Operating costs fell 60%, releases became 5x faster, and there was zero service downtime.
We built an AI agent that reads incoming documents, captures the key details and checks them against business rules. It updates internal systems, asks for missing information and sends exceptions to the right person for review.
We built an AI research platform that monitors fine-art auction listings, gathers the important details, scores each opportunity against set criteria and delivers a focused shortlist for review.
We built a compliance platform that pulls ESG data from several sources into one workflow, checks portfolios against set rules and keeps a clear history of the data behind each compliance decision.
We built an algorithmic trading platform that connects securely to the user's own brokerage account and runs automated strategies. Paper trading lets users test a strategy first, and a live dashboard shows every trade.
For a regional financial hub, we built a digital currency payment platform that replaces slow correspondent banking with atomic delivery-versus-payment settlement and keys held in hardware security modules. Settlement is now same-day (T+0), and costs fell 98%.
We made a digital banking core ready for post-quantum cryptography, with swappable encryption, hybrid ECC and NIST ML-DSA signatures, and automated key rotation. The core now has 100% NIST alignment, and there was no service downtime during the change.
Services
The services behind our FinTech work. One squad can combine several, so you don't manage separate vendors.
Trust and control
Credit, fraud and compliance decisions are logged with the data and rules behind them, ready for audit and regulator review.
Hardware security modules, signing workflows and least-privilege access protect keys, accounts and money movement.
Each posting is applied once, even when a message is retried. Reconciliation and a full event history catch any duplicate or missing transaction.
Every request is checked against the user, device and location, and privileged access is granted only when the work needs it.
We build around the systems you already run. Standards are ones we design for; certification stays between you and your auditor.
Partnership models
Pick the support that fits your team today, whether you need ongoing capacity or one clearly defined project.
A ready team of developers, a project manager and QA specialists who work alongside you and keep new features shipping.
Explore managed teamsSenior technical guidance, a clear roadmap and help with the big product and platform decisions.
Explore fractional CTOA clearly scoped product or platform, delivered through agreed milestones with regular updates and written approval criteria.
Scope a projectWe report risks as quickly as wins. You can talk to the engineers directly and see the project tools and progress at any time.
We own the work, explain problems plainly and stay involved until the agreed result is delivered.
We release the smallest useful version, learn from how people use it and improve it without lowering the quality bar.
We keep card data out of your systems wherever we can by using established payment providers, and the payment flows we build follow PCI DSS practices. Keys sit in hardware security modules, staff get only the access their role needs, and every control is documented so your compliance team can check it.
Every automated credit decision is stored with the data, rules and reason behind it, so your risk team can show why an application was approved or declined. Borderline cases go to an underwriter. For an SME lender, this approach made credit decisions 4.2x faster and automated 62% more cases.
We move one function at a time, keep the old and new ledgers in sync and switch traffic only once each part is proven. A global core banking system moved from a mainframe to AWS this way with zero service downtime, a 60% cut in operating costs and 5x faster releases.
We build KYC and AML checks into customer onboarding and transaction flows, and log each check for your compliance team. For a commercial real estate fund, our smart contract platform sells fractional ownership only to KYC-verified investors, settles trades automatically and holds $500M in assets under custody.
For one card issuer, our streaming fraud platform cut false positives by 35% and removed 28% of analyst workload. It scores each transaction in milliseconds, learns from the decisions analysts make and logs every result. Your own figures will depend on your transaction data and current alert rules.
We integrate with core banking systems, brokerage APIs and payment providers, with retries and careful failure handling so a slow partner doesn't break your product. Our algorithmic trading platform connects to each user's existing brokerage account, keeps their funds at the broker and executes trades in under 45ms.
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