Banking, payments and wallets engineered for trust and scale
Money is the most regulated thing your users carry. We build mobile platforms for banks, neobanks, fintech startups, billing platforms and crypto businesses — products where every transaction is auditable, every screen is PCI-DSS-aware and every login is hardened against takeover and SIM-swap attacks.
From core banking integrations and open-banking PSD2 flows to in-app wallets, P2P transfers, virtual cards, billing portals and crypto custody — our products are built to ship in regulated markets and pass external security and compliance reviews on the first pass.
Pain points we solve in this industry
Account takeover and SIM-swap
Weak auth, SMS OTP only, no device binding — and customers wake up to drained accounts. We harden auth and detect anomalies.
Onboarding takes days, not minutes
KYC bottlenecks, manual reviews and brittle integrations make signup a chore — and a churn driver.
Payments fail at the worst moment
Without retry logic, 3DS2 done right and adaptive friction, checkout failures cost real revenue.
Compliance reviews delay launches
Without PCI-DSS-aware design, GDPR by default and proper audit trails, every release becomes a fight with the auditor.
Core App Capabilities
Strong customer authentication
Biometric login, device binding, behavioural fingerprinting and step-up MFA for high-risk actions.
In-app wallet and accounts
Multi-currency wallets, virtual cards, scheduled transfers and standing orders with full audit.
P2P and instant transfers
Instant SEPA, faster payments and P2P transfers with smart routing and FX.
Card management
Issue, freeze, replace and limit cards — with 3DS challenge confirmation on mobile.
Insights and budgeting
Spend categorisation, budgets, goals and forecasts — powered by transaction enrichment.
Open Banking / PSD2
Account aggregation, payment initiation and consent management across providers.
Realtime functionalities
Transaction notifications
Push delivered within seconds of card swipe or transfer — with location and merchant context.
Fraud and anomaly alerts
ML-based detection with realtime decisioning, customer confirmation and adaptive friction.
Live FX and pricing
Streaming FX rates, live order books for crypto and instant settlement confirmations.
Secure messaging
End-to-end encrypted channel with support, with attachments and ID verification flows.
Backend services we build
Mobile banking API
A stable, versioned API in front of core banking (Mambu, Temenos, custom) — with circuit breakers and idempotency.
Identity, KYC and AML
SSO, biometric step-up, KYC vendors (Sumsub, Onfido, Veriff), AML screening and ongoing monitoring.
Payments and ledger
Double-entry ledger, multi-currency, FX engine and PSP routing.
Risk and fraud engine
Realtime decisioning with rules and ML, case management and regulator-ready audit logs.
API integrations
Security model
- PCI-DSS-aware design with minimised scope
- Strong customer authentication (SCA) compliant with PSD2
- Device binding and SIM-swap resistance
- End-to-end encrypted in-app chat
- Tamper-evident audit logs for regulators
- Annual external penetration test and third-party audit
Built to scale
- Multi-region active-active deployment
- Idempotent payment APIs with at-least-once guarantees
- Hot-path caching for balance and recent transactions
- Independent scaling of auth, ledger and notifications
- Streaming transaction enrichment pipeline
- Cost-aware autoscaling tuned to peak hours
Ideal Business Use Cases
Banks, fintech startups, neobanks, billing platforms, crypto exchanges and payment processors.
Technology Stack
- Native iOS/Android (Kotlin/Swift) or React Native with security wrappers
- Biometric auth and Secure Enclave / Keystore
- Push (FCM/APNs) with high priority
- App attestation (Play Integrity / App Attest)
- Go / Java / Python for core services
- Double-entry ledger
- Kafka / NATS for events
- Mambu / Temenos / custom core banking
- Multi-region with active-active failover
- HSM-backed key management
- Observability with traces and SLOs
- Data residency controls per jurisdiction
Mobile + backend ecosystem
- Customer banking app
- Business banking app
- Agent / branch staff app
- Mobile banking API
- Ledger
- Risk and fraud
- Identity and KYC
- Core banking
- PSP
- KYC / AML vendor
- Open Banking provider
- Card processor
Ready to build a mobile platform that scales?
From discovery to launch and beyond — we partner with enterprises across the EU and Balkans to deliver mobile applications that perform under load, comply with regulation and grow with your business.