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Industries we serve

FinTech software, deep in five verticals

Generalists build generic things. Each of these verticals is a swamp of vendors, regulations, and edge cases — it took us years to map them. If your product lives in one, we’re already most of the way to a deploy.

Banking

I/01 — BANKING7 platforms shipped

Banking & Neobank Software

Challenger banks, Banking-as-a-Service partners, and the rare community-bank modernization. We work with sponsor banks, not around them — and we know the 400-question diligence packet by heart.

WHAT WE BUILD

→ Core banking platforms
→ Digital KYC & onboarding
→ Real-time payment gateways
→ Compliance monitoring

VENDORS WE’VE SHIPPED WITH

→ Column · Lead Bank
→ Sutton · Pathward
→ Unit · Treasury Prime
→ Direct-to-bank cores

Talk banking →

BaaS architecture overview

Customer surfaceYour app
↓
Beltline orchestrationKYC · Ledger · Webhooks
↓
BaaS partnerColumn / Unit / TP
↓
Sponsor bankFDIC-insured

Recent: Northbound Capital — sponsor-bank approved in 8 weeks, zero diligence revisions.

Loan lifecycle — every transition emits an event

S/01

Apply

S/02

Underwrite

S/03

Offer

S/04

Fund

S/05

Service

S/06

Resolve

Every state transition is replayable. Every replay reconciles to the loan tape. Diligence teams stop asking questions around state 03.

Platforms shipped

90s

Apply → fund

4×

Conversion lift

I/02 — LENDING10 platforms shipped

Lending Platforms & Servicing

Originate, underwrite, service, and warehouse. We’ve shipped consumer, SMB, and embedded lending platforms — including the one whose Series B diligence took eleven days because the auditor couldn’t find anything to ask.

PRODUCTS

→ Origination systems
→ Credit risk engines
→ Servicing platforms
→ Collections & recovery

SEGMENTS

→ Consumer installment
→ SMB working capital
→ Embedded BNPL
→ Capital-markets servicing

Talk lending →

I/03 — PAYMENTS18 platforms shipped

Payments & Money Movement

Moving money is easy. Moving money correctly — idempotent, reconciled, observable, refundable, regulated — is what we do. We’ve shipped on Stripe, Modern Treasury, Increase, Adyen, and four sponsor banks directly.

✓Multi-rail orchestration — ACH, RTP, wire, FedNow, cards, cross-border. One API, one ledger.
✓Idempotency throughout — retries are safe, replays are expected, double-debits are impossible.
✓Real-time reconciliation — streaming, not batch. Your CFO knows the number now, not tomorrow.
✓PCI scope reduction — cardholder data out of your application surface; tokenization done right.

Talk payments →

Payment outbound flow

→ 01api.payments.create() — idempotency_key required

→ 02risk.score(actor, amount) — < 50ms

→ 03ledger.hold() — reverse-able for 7 days

→ 04router.select_rail() → ACH | RTP | wire

→ 05temporal.workflow() — durable, replay-able

→ 06webhook.dispatch() · ledger.settle()

Recent: Parallel Pay — RTP live in 9 weeks, $410M cleared month one, 0 reversals.

Where we play in wealth

Brokerage

Self-directed · Alpaca · Apex · DriveWealth

3 BUILT

Advisory & RIA

CRM + portfolio + billing

2 BUILT

Custody

Sub-accounting · book transfers

1 BUILT

Alternative assets

Reg-CF · Reg-A · private secondary

2 BUILT

What we won’t do: Gamified investing surfaces. We’ve turned down three.

I/04 — WEALTH8 platforms shipped

Wealth & Investment Management

Brokerage, advisory, and custody platforms. RIA back-offices that don’t melt at year-end. Self-directed surfaces that pass FINRA Rule 2210. Robo-advisory engines that explain their math.

✓Portfolio management — rebalancing, performance attribution, fee billing.
✓Robo-advisory platforms — model portfolios, tax-loss harvesting, rules engines.
✓Client dashboards — performance reporting that explains, not just displays.
✓FINRA 2210 review tooling — communications stored WORM, indexed for retrieval.

Talk wealth →

I/05 — TREASURY6 platforms shipped

Treasury & Embedded Finance

Cash management, FX, sweep accounts, and embedded treasury products for vertical SaaS. We built the ledger for a treasury startup that now clears $400M monthly across seven banks.

CASH & FX

→ Sweep account engines
→ FX & cross-border
→ MMF allocation
→ T-bill ladders

EMBEDDED

→ Vertical-SaaS accounts
→ Yield routing
→ Reseller flows
→ Multi-tenant ledger

Talk treasury →

Treasury dashboard · live data

Yield routing across rails● 4.92% APY

T-Bills 42%

MMF 28%

FDIC 18%

12%

$412M

Monthly volume

Bank partners

99.99%

SLA

Adjacent verticals

Specialized work in three more spaces

Insurance, trading, and crypto. We’re selective about what we take on here — the rules are different and the failure modes uglier.

Insurance Tech

Claims processing, underwriting automation, and the policy admin portals adjusters actually want to use. P&C, life, and embedded.

→ Claims processing systems
→ Underwriting automation
→ Fraud detection engines

Trading & Capital Markets

Order management, post-trade settlement, market data, and risk dashboards. FIX-protocol fluent, low-latency where it matters.

→ Trade execution platforms
→ Post-trade settlement
→ Risk & compliance dashboards

Crypto & Digital Assets

We take work in regulated stablecoin payments and crypto compliance tooling. We turn down speculative trading platforms.

→ Stablecoin payment systems
→ Digital asset wallets
→ Crypto compliance tooling

Cross-cutting regulatory layer

Every vertical lives under the same regulators

We’ve never lost a SOC 2 audit, blocked a sponsor-bank diligence, or surprised a regulator. Quality-of-architecture is a compliance feature.

BSA

Bank Secrecy Act. SAR/CTR pipelines, customer due diligence.

AML

FinCEN-aligned monitoring, tuning, case management.

OFAC

Sanctions screening at every money movement.

SOC 2

Type II. Controls encoded; evidence automated.

PCI

Scope-reduction first. Cardholder data out of app.

GLBA

Safeguards rule. Encryption at rest and in transit.

FINRA

Rule 2210 communications, books & records (17a-4).

CCPA

Consumer-data rights baked into the data model.

Across every vertical

The numbers behind nine years of work

62+

Fintech platforms shipped across 5 verticals

$4.1B

Annual transaction volume running on our systems

SOC 2 Type II reports landed. Zero failed.

Funding rounds we’ve participated in the diligence for

Your vertical, our vocabulary.

Tell us where money is moving wrong. If your problem is in one of our five verticals, we already have a hypothesis.

Start a project →