Shipping regulated fintech since 2020

Hard-mode fintech & crypto products

We're technical partners for founders shipping payment infrastructure, KYC/AML compliance, and AI risk engines. The problems that make other engineers nervous.

See our work
10+

Products shipped

$150m+

Transaction volume

20+

Founders advised

0

Regulatory surprises

How we work

A proven process for building world-class fintech products from concept to scale

4-6 weeks

Discovery

Understand your business model, constraints and regulators. Map out jobs-to-be-done for users and internal teams. Define product scope, architecture sketch and risk/ROI assumptions.

Deliverables

  • PRD
  • High-level system design
  • 3-9 month roadmap
2-4 months

Architecture & MVP

Design domain models, data flows and integration points. Implement a production-ready MVP, not a throwaway prototype. Set up observability, basic risk controls and operational runbooks.

Deliverables

  • Production MVP
  • Observability setup
  • Risk controls & runbooks
3-6 months

Scale & Intelligence Layer

Harden the platform, remove bottlenecks, improve reliability. Add AI/ML layers: scoring, anomaly detection, robo advice, recommendation engines. Optimize for unit economics.

Deliverables

  • Hardened platform
  • AI/ML integration
  • Performance optimization
Ongoing

Support & Evolution

Continuous engineering, data and product support. A/B testing, experiments and roadmap co-creation with your team. Keep your system ahead of the curve.

Deliverables

  • 24/7 support
  • A/B testing & experiments
  • Roadmap partnership

Work we're proud of

Real problems solved with measurable results for founders building the next generation of fintech

Payment Infrastructure

Modular Crypto Trading Platform

Payment Infrastructure

Modular Crypto Trading Platform

+35% better pricesZero downtimeMulti-chain support

Problem

A team needed a multi-chain trading platform supporting advanced orders and multi-chain wallets with ability to add new networks without downtime.

Solution

Built modular architecture with separate services for order book, execution routing, portfolio analytics, wallet management and risk with CEX/DEX integrations.

Core Banking & Mobile Super Wallet

Payment Infrastructure

Core Banking & Mobile Super Wallet

1 app+3x usageMultiple countries

Problem

Fintech company needed unified UX combining multi-currency accounts, IBANs, cards and crypto wallet instead of multiple disjointed services.

Solution

Built core banking engine with accounts, ledger, FX flows, card issuance integrations and integrated crypto wallet in a single mobile app.

Onramp / Offramp Platform

Payment Infrastructure

Onramp / Offramp Platform

+35% conversion-40% cost/txn99.9% uptime

Problem

Crypto service needed robust way for users to move money between fiat and crypto using many payment providers with optimized routing.

Solution

Built orchestration layer with intelligent routing engine choosing providers based on user country, limits, and historical performance.

KYC/AML & Compliance

Blockchain Monitoring & Wallet Scoring

KYC/AML & Compliance

Blockchain Monitoring & Wallet Scoring

95% detection-70% manual reviewReal-time alerts

Problem

Bank and crypto exchange needed unified AML/CTF monitoring across BTC, ETH, TRON with transaction monitoring and address-level risk scoring.

Solution

Real-time on-chain data ingestion, transaction graph construction, wallet risk scoring using ML, and anomaly detection.

AI-Driven KYC & Digital Onboarding

KYC/AML & Compliance

AI-Driven KYC & Digital Onboarding

2h → instant99.2% accuracy100% audit trail

Problem

Financial service provider losing users to slow manual KYC checks taking hours or days.

Solution

AI onboarding with OCR on documents, FaceID + liveness detection, spoofing detection, and KYC provider integrations.

AI & Risk Engines

ML-Powered Copy Trading Bot

AI & Risk Engines

ML-Powered Copy Trading Bot

+40% stability+28% retentionReal-time signals

Problem

Crypto platform wanted to launch copy trading with ML-enhanced signals instead of purely manual strategies for smoother equity curves.

Solution

Built ensemble of LSTM models, token-specific behavior models, sentiment analysis and risk management layer with exposure limits.

AI Credit Scoring Engine

AI & Risk Engines

AI Credit Scoring Engine

-45% defaults-35% cost/app+22% approval

Problem

Lender wanted to reduce default rates and operational costs without lowering approval rates significantly.

Solution

AI credit scoring with XGBoost/CatBoost, AutoML feature engineering, and SHAP explainability integrated into underwriting.

Robo Advisor 4.0

AI & Risk Engines

Robo Advisor 4.0

+$50M AUM+28% retentionReal-time rebalancing

Problem

Investment platform needed dynamic AI-driven strategies adapting to macro regimes instead of static model portfolios.

Solution

Deep RL for portfolio optimization, GRU/LSTM for macro signals, and LLM layer explaining decisions in plain language.

Tech Stack

Production-grade technologies for hard-mode fintech and crypto systems

Backend & Data

Building scalable, reliable financial systems

PythonPython
FastAPIFastAPI
GoGo
PostgreSQLPostgreSQL
TimescaleDBTimescaleDB
RedisRedis
KafkaKafka
AirflowAirflow

AI, ML & Analytics

Intelligent risk assessment and decision making

PyTorchPyTorch
TensorFlowTensorFlow
XGBoostXGBoost
scikit-learnscikit-learn
FinBERTFinBERT
LSTM/GRULSTM/GRU
SHAPSHAP
Reinforcement LearningReinforcement Learning

Blockchain & Web3

Multi-chain support and DEX integration

EthereumEthereum
EVM ChainsEVM Chains
SolanaSolana
TronTron
DEX AggregatorsDEX Aggregators
CEX APIsCEX APIs
Web3.pyWeb3.py
Smart ContractsSmart Contracts

Frontend & Infrastructure

Modern web and cloud-native operations

ReactReact
Next.jsNext.js
FlutterFlutter
DockerDocker
KubernetesKubernetes
PrometheusPrometheus
GrafanaGrafana
AWSAWS

We combine these tools with deep fintech expertise to build systems that work at scale, handle real money safely, and pass regulatory scrutiny.

Let's talk

Working on a hard-mode fintech or crypto product? We'd love to help.

Get in touch

Headquarters

Warsaw, Poland
With teams in Ukraine & beyond

Process: Describe your product and main risks, tell us what success looks like in 12 months, and we'll come back with architecture options and a realistic launch path.

LLC HeadTech

RND: Ukraine, Kyiv, str Shapovala Generala 10
HQ: Warsaw, Poland