For founders building neobanks, wallets, lending, payments

Wedesignandbuildfintechproducts

From a fintech idea to a real product, with real users and revenue you can measure. We design and build everything: marketing site, app, back-office, payment and identity integration.

Tell us about your product How we built kiBank

Theproblemswehearmost

Signups arrive, the app gets forgotten

Identity checks close, the first payment clears, then the app sits unopened for weeks. What turns a tool into a daily habit isn't built in, and retention drops before the roadmap catches it.

The first payment dies on the two-factor challenge

The customer crosses over to the bank's confirmation page. They come back, the session is gone, the card has to be re-entered. Half of new signups never make it to a successful charge.

An enterprise deal stalls in procurement

Data isolation, audit logs, screening, tenant separation. The answers exist in someone's head, not written into a system. The deal stops there, and it only restarts when the answers live somewhere a reviewer can read.

Finance closes the books at ten in the evening

One vendor for identity, one for payments, one for cards. A spreadsheet glues the rest. Every month, days are stolen from the roadmap to reconcile numbers that should reconcile on their own.

kiBank,aneobankwedesignedandbuiltinfull

We designed and built kiBank: marketing site, app, design system, infrastructure. Every screen earns its place by removing one daily friction.

How we approach fintech

A fintech product starts as an idea and becomes real when it starts bringing measurable revenue: a transaction, a subscription, a sale, a customer crossing a threshold. That moment carries the interface design, the back-office logic, the integration with the payment provider, and the identity verification. We work on all of it as one product, where the interface and the infrastructure grow up together.

It means the design that gets approved is the design that ships. The payment integration is woven into the experience at the design stage. The features that come up later go into the same product, without opening a parallel build.

kiBank is what this looks like in production. We drew the card freeze flow in the same pass we wrote the database row policies. For the people who use it, kiBank stayed an app that opens fast and does its job. The rest stayed inside the code.

Read the full case study

Whatwedeliverforthisvertical

Identity verification the support team can finish without a vendor ticket

Document capture, liveness check, automatic screening against the international sanctions and politically exposed persons lists. When a case stalls, the support team sees where it broke, on the same screen the compliance team uses.

A ledger the auditor opens on their own

Double-entry, append-only, event-sourced. The auditor gets read-only access and reconstructs every balance from the event replay, without a phone call to the finance team.

A first payment that survives the two-factor challenge

The issuer's confirmation page stops killing the session. The customer crosses over, confirms, comes back to the app, and lands where they were, with the card already on file.

The compliance evidence the first enterprise customer asks for

Per-role permissions, a signed log of back-office operations, exports for regulatory reporting in the formats the regulator actually wants, and a dashboard built for the compliance team. What is asked for in the first procurement review is already in place.

Thestackwepickforfintech

Every layer of the stack works for two moments. The first is the day the product ships: the app opens fast, the payment goes through, the back-office does what the team needs. The second is the day a regulated counterparty starts asking how it works.

The marketing site and the web side of the app live in the same Next.js repository. Customer data is isolated at the database row, not in application code, so the procurement question gets a one-line answer in policies a non-engineer can read. Card data never touches our servers: Stripe Elements, or Adyen drop-in, intercepts it from the browser and hands back a token, which keeps the annual PCI attestation at the lightest tier there is.

The ledger is event-sourced, and any balance gets rebuilt from the trail of events without touching a stored procedure. The whole codebase is TypeScript, from the database queries to the views on the screen. Whoever opens it after the original author has moved on reads it without a guided tour.

Questionsfoundersask

Are you regulated, or do you ride on a partner?

We don't hold a licence ourselves. For card issuing, payments, or deposit-taking we partner with a regulated provider, and we wire the integration. The licensed entity remains the legal counterparty. We own the product and the integration code.

Can you connect to our existing core banking provider?

Yes. We've integrated with Mambu, Thought Machine, and a couple of European open banking systems. If the core exposes a sane API and a webhook stream, we plug in. If it doesn't, we build the wrapper.

How do you handle the first payment for a new customer?

An internal route holds the session through the issuer's confirmation page, with a fallback inside the app for the mobile case. The customer doesn't have to re-enter the card.

Can the ledger pass a financial audit?

Yes. Double-entry, append-only, event-sourced. The auditor gets read-only access and reconstructs every balance from the event replay. We've walked auditors through the system, and they've left without open questions.

Do you handle the regulatory paperwork?

No. We work alongside the lawyers and compliance consultants you bring in. If it helps, we suggest partners we've shipped against, but the regulatory filings are not ours to sign.

Tellusaboutyourproduct

A scoping call, a concrete number in the first reply, no pitch deck of look-alike case studies.

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Forotherindustries

SaaS founders, pre-seed to Series A