Product engineering and advisory

We build products and the systems under them

We design and ship digital products, and we advise the teams that run them. Finance is a core domain. Logistics, healthcare, and other operations sit beside it.

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What we do

Five service lines

We engineer products and advise the teams that run them. Finance is a core domain. Logistics, healthcare, and other operations sit beside it.

Legal tech incubation

Take legal tech products from concept to regulated market entry.

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Technical consulting

Architecture reviews, DORA assessments, and regulatory tech advisory.

Explore 03

Full-cycle product development

Neobanks, payment platforms, wallets, and banking apps from concept to production.

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Payment rails integration

SEPA, SWIFT, card schemes, open banking, and multi-rail orchestration.

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Licensing & compliance

EMI, PI, and banking licence support: filings and cross-border structure.

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What you ship

Product surface clients touch

Apps, portals, and operational tools designed for go-live, not demos.

What we wire

The stack under the product

Integrations, controls, and the architecture the product sits on, from the first release.

Cases & analysis

Selected delivery notes and case studies

Public post-mortems and client work we can share.

View all insights & case studies

The AI Act timeline moved: Regulation (EU) 2026/1744 and what still applies to banks

The AI Omnibus deferred Annex III high-risk obligations to 2 December 2027. Nearly all published competitor content assumes the old calendar. Here is the corrected timeline.

DORA's first enforcement year in numbers: what 3,383 incidents change in your 2027 budget

The ESAs published the first DORA incident report on 3 June 2026: 3,383 major ICT incidents reported by 2,847 financial entities. The data changes how 2027 resilience budgets should be built.

PSD3/PSR status, as of August 2026: what is agreed, what is not yet law, what to build anyway

The Council published final compromise texts on 23 April 2026. PSD3 and the PSR are adopted in principle but not yet in force. Here is what is settled, what is not, and what to build now.

Trust & frameworks

Compliance belongs in the architecture

We design to the rules that govern the market you enter.

PSD2 / PSD3Active EU standard

Open Banking & Payment Services Directives

What AVANTO buildsSecure API gateways, Strong Customer Authentication (SCA), and open banking protocol connectors.

Client assuranceAuthorisation flows and open-banking connectors that work with regulated institutions and supervisors.

DORA2026 mandatory

Digital Operational Resilience Act (EU 2022/2554)

What AVANTO buildsICT risk management frameworks, multi-datacenter active-active failover, and automated incident reporting.

Client assuranceOperational resilience you can show an auditor, with HA design and incident reporting.

MiCAEnforced EU-wide

Markets in Crypto-Assets Regulation

What AVANTO buildsAsset-referenced token and e-money token compliance modules, reserve auditing, and regulatory disclosures.

Client assurancePaths to issue and process crypto-assets under MiCA and adjacent digital-asset regimes.

GDPRData sovereignty

General Data Protection Regulation

What AVANTO buildsEU data residency, zero-knowledge PII encryption, and automated data-subject request pipelines.

Client assuranceEU-first data residency and DSR tooling that limit cross-border leakage risk.

ISO 27001In progress

Information Security Management

What AVANTO buildsEnterprise access-control policies, continuous vulnerability scanning, and penetration-test logging.

Client assuranceSecurity controls aimed at certification for enterprise finance workloads.

See our compliance approach

What are you building?

Describe the project. We reply within one business day.