We build products that move money: multi-currency wallets, merchant platforms, agent networks and billing. Ledger, reconciliation and security are part of the architecture, not an afterthought. From four weeks.
This is a starting price. The exact figure and timeline come from your technical brief, and the review is free.
Who it is for
· Companies building a payment product of their own
· Services with agent networks and settlement between parties
· Teams extending a financial product that already runs
Problems we solve
· The ledger lives in spreadsheets and stops balancing at day end
· Every new partner requires a manual code change
· Transaction history is incomplete, so disputes cannot be settled
· Access rights are scattered and actions are not traceable
What is included
· Ledger architecture: balances, transactions, settlement
· Payment provider integrations
· Reconciliation with a discrepancy report
· Roles, permissions and an action log
· Sandbox environment and a staged release
What we can build
· Multi-currency electronic wallets
· Merchant platforms with reporting and settlement
· Agent network platforms with tenant isolation
· Billing, subscriptions and internal ledgers
How we work
· We draw the money path and the ledger model
· We agree the architecture, because changing it later is expensive
· We build a first version around the core scenario
· We test the edge cases: refunds, retries, outages
· We release in stages with monitoring in place
Engagement models
· Time and materials, because requirements are refined along the way
· A dedicated team for a long-running product
· Architecture review, if the product already exists
Stack
LaravelNestJSPHPTypeScriptPythonCeleryNext.jsReactVue 3Inertia.jsBladeTailwind CSSPostgreSQLMySQLRedisMeilisearchiOSAndroidDockernginxPM2ObsidianTelegram Bot APIJSON-RPCClaude API
Projects for this service
IT for FinTech and Payment Companies
2021year the central bank registered the institution
A complete payment company built for a central bank licence: the settlement core, merchant and agent back offices, and client apps for iOS, Android and Telegram.
We build and run products that move money: wallets, processing, billing and reconciliation. This is the direction where we have 14+ years of practice and 35+ different payment systems behind us.
Frequently asked questions
How long until the first working version?
From four weeks to a first working version. A full product takes longer, and the timeline depends more on integrations and approvals than on development.
How do you quote a FinTech project?
A FinTech product starts from $3000 and is never quoted from a price list. The final number follows the ledger model, the number of providers and the load requirements. A quote follows an architecture session, not the other way round. The session is free, and it usually makes the scope smaller.
Can you help with licensing?
No. Legal status, licences and registration are work for lawyers. We handle the technical side and give no legal advice.
Can you show these projects?
Partly. Some financial projects are published without the client name and without a link, by agreement. The task, architecture, stack and result are all there. The client name is not. A vendor who did not expose a previous client will not expose the next one.
Local providers, local protocols, and a server of yours that they call. A short map of the payment work for a team planning market entry from outside the country.
6 min read
Discuss your task
Leave a name and a phone number, and we will ask the rest in the conversation.
Have an idea for a new product, or need to grow an existing one?
Tell us about the task. We will study it and propose an option that makes sense technically and economically.
