We build the rails beneath European fintech
Legal tech incubation, regulatory consulting, and full-cycle product engineering for banks, neobanks, and embedded finance. From licence to go-live, compliance designed in.
Five pillars of fintech delivery
Legal tech incubation
From ideation to market entry for legal tech products in the fintech space.
Technical consulting
Architecture reviews, compliance assessments, and regulatory technology advisory.
Full-cycle product development
Neobanks, payment platforms, digital wallets, and banking apps from concept to production.
Payment rails integration
SEPA, SWIFT, card schemes, open banking, and multi-rail orchestration.
Licensing & compliance
EMI, PI, and banking license assistance with regulatory filing and cross-border structuring.
What you ship
Polished mobile apps, onboarding flows, and payment experiences your end users love. Production-grade fintech products that scale across European markets.
What we engineer underneath
Compliance architecture, payment-rail wiring, safeguarding logic, and regulatory reporting. The infrastructure that keeps your licence safe and your rails running.
Compliance is not a layer — it is the foundation
We work inside the regulatory frameworks that govern European financial services, building compliance into architecture from day one.
From incubation to scale
Incubate
Validate the concept, map the regulatory landscape, and define the product scope.
Design
Architecture, compliance-by-design, and UX that meets regulatory requirements.
Build
Full-cycle development with embedded compliance, payment rails, and security.
Launch
Licence filing, go-live readiness, and production deployment.
Scale
Multi-market expansion, performance optimisation, and continuous compliance.
Selected work
The Big Bang That Cost GBP 300m: TSB 2018 read as a delivery post-mortem
The FCA and PRA final notices provide a public-record anatomy of a GBP 300m IT migration failure. This is not hub delivery work. It is public-record analysis, labeled Concept.
Anonymized clientThe Ten-Second Build: an EMI's instant-sending programme
How an EMI built 24/7 instant-sending operations, ten-second processing windows, and liquidity arrangements ahead of the April 2027 deadline.
Latest articles
VoP after go-live: tuning match rates, killing false positives, surviving bulk payments
One PSP's first-week data showed >70% match/close-match but 10.4% technical failures. Here is what production VoP tuning actually looks like.
A GBP 48.65m fine, eight years on: what TSB still teaches about migration governance
The FCA and PRA fined TSB GBP 48.65m for the 2018 IT migration failure. The final notices read as a delivery governance textbook. Here is what they say.
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.
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