Fintech & Payments
Payment rails done right. ISO 20022 messaging, SEPA Instant, card issuing and processing, payouts and reconciliation — engineered into banking cores.
Money movement breaks in the details: a message that fails validation, a settlement nobody can match to a statement. The systems we build catch both before an operations team has to.
What we build
ISO 20022 message lifecycle
The pacs and camt lifecycle, XSD-validated against the schemas before a message leaves the system.
SEPA Instant rails
Instant credit transfers that clear first time, with xmldsig signing and verification on every exchange with the scheme.
Card issuing and processing
Card programs from onboarding to spend: issuing-core integration, network tokenization and provisioning into mobile wallets.
Payouts and reconciliation
CAMT statement ingestion matched against open items, with exception queues and an audit record on every match.
MT to MX translation
MT to MX mapping and structured-address remediation, including the messages SWIFT provides no translation for.
ISO 20022 messages that validate first time.
Related work
Payments & banking
SEPA Instant on ISO 20022, signed and schema-valid.
Full ISO 20022 message lifecycle with digital signing and schema validation on a high-availability backbone.
- ISO 20022
- SEPA Instant
- HA
Payments & banking
A US prepaid card program, issued and orchestrated.
Cardholder experience plus a BFF orchestrating a card-issuing core, Mastercard tokenization, Apple/Google Pay and real-time KYC.
- Cards
- Tokenization
- KYC
Describe your challenge.
Early idea or system already in production. Both are worth a conversation.
- Built and run by our senior team.
- Confidential from the first call, NDA as standard.
Prefer email?
[email protected]