Fintech · London · GMT
London moves more financial technology than anywhere in Europe, and financial technology is the least forgiving software there is. A bug in a marketing site costs you a lead. A bug in a payment waterfall costs you a reconciliation project and a conversation with your auditor. We build the second kind of software: money movement, lending, card management and banking integrations, by engineers who have shipped it before.
10 yrs
Longest client relationship
Islam360 - still shipping
25M+
People using software we built
Across 176 countries
19+
Products shipped end to end
Across 8 industries
$1.5B
Exit by a client we engineered for
Tweeq, acquired by Tabby
How we cover London
UK entity established 2023, based in Welwyn Garden City — roughly 25 minutes from King's Cross.
Full working-day overlap with London, so a blocker raised at 09:30 is answered the same morning.
On-site in London for kickoff, architecture workshops and quarterly reviews.
Engineering delivered from our Lahore HQ, led and accounted for from the UK.
The case for us
We rebuilt the backend of a commercial lending platform from Java to C# on a CQRS architecture, migrated its money movement systems, and delivered more than 61 financial reports. Twelve of our engineers are still embedded on it. We also engineered for Tweeq, acquired by Tabby in a $1.5B deal — Saudi Arabia's first fintech exit.
Financial systems get asked what a balance was on a given date, and why. We build event-sourced ledgers where the audit trail is the system of record rather than something written alongside it, so point-in-time answers and reversals are structural rather than heroic.
OWASP practice from line one rather than a hardening pass before launch. Our most recent penetration test on a client platform returned zero vulnerabilities and passed its third-party security review on the first attempt.
Plenty of fintech scope is regulatory theatre or premature optimisation. We would rather lose the line item than bill you for it, which is why clients stay — our longest relationship runs to ten years.
Capabilities
Origination, servicing, amortisation, payment waterfalls, participations and the reporting layer that has to agree with all of it.
Collections, payouts, reconciliation and failure handling — including the reversal and retry paths most builds leave until after launch.
Issuing workflows, account lifecycle, limits and controls, built against the scheme and PCI requirements that apply to you.
Account information and payment initiation integrations, with consent handling and token lifecycle treated as first-class rather than an afterthought.
Reports built as derived read models over one event stream, so they agree with each other by construction instead of by vigilance.
Parallel-run migrations off a legacy stack without interrupting money movement, cut over per portfolio rather than all at once.
Frequently asked questions
No, and you should be wary of an engineering firm that says it is. We are a software studio, not a regulated financial institution or a compliance consultancy. We build to the control requirements your compliance function and advisers define — audit trails, access control, data retention, segregation of duties — and we have delivered systems that then passed external review. Your regulatory permissions remain yours.
Yes. It is one of the components we are brought in for most often, because it is the part of a lending platform that fails silently. We have written in detail about where waterfall engines break and how we build them to survive partial payments, out-of-order effective dates, reversals and multi-participant rounding.
Both engines run against live traffic, both results are written, the old one is served, and every difference is investigated until it is zero or explained. Cutover happens per portfolio starting with the simplest structures, and the old path stays switchable for a full reporting cycle rather than a sprint.
Our senior engineers are a flat monthly rate per engineer, with a 10% reduction across the team at four or more and a dedicated project manager included at that size. Compared with hiring in London, there is no recruitment fee, no employer National Insurance, no pension contribution and two weeks' notice to scale either direction.
That is the usual arrangement. Our engineers join your standups, your repositories and your review process. You interview them before anyone starts, and the person you interview is the person who writes the code.
You own the code from the first commit, delivered documented and tested in your repositories. Architecture decisions are made jointly and written down, so the reasoning survives after we step back.
ready when you are