Architecture reviews, DORA operational resilience checks, and MiCA/PSD3 readiness for banking systems.

Technical and regulatory consulting

Technical consulting

We review your systems against supervisory notices (FCA, PRA, BaFin, EBA, Banco de Portugal). You get code-level refactor paths and infrastructure blueprints, not generic slides.

CTOs preparing for supervisory audits, teams migrating high-volume payment systems, and boards assessing operational risk.

Legal tech products for banks, neobanks, and regulated finance: map regulation to production software.

Legal tech incubation for fintech

Legal tech incubation

We work with legal innovators, banks, and regtech founders from regulatory mapping and prototype through multi-market entry.

Founders with legal-tech products, law firms building compliance software, and bank legal teams automating regulatory workflows.

EMI/PI authorisation dossiers, safeguarding audits, and cross-border structure including EU passporting where it applies.

Licensing and regulatory filings

Licensing & compliance

NCA filings, safeguarding account design, and internal risk frameworks for authorisation.

Scale-ups filing for EMI or PI in Ireland, Lithuania, Portugal, Luxembourg, or Germany, and groups structuring cross-border entry into new markets.

Legal tech incubation, consulting, product engineering, payment rails, and licensing.

What we deliver

SEPA Instant, SWIFT ISO 20022, open banking PSD2/PSD3, and clearing rails wired into 24/7 payment engines.

Payment rail integration

Payment rails integration

Sub-second payment pipelines aimed at the April 2027 instant-sending rules, with liquidity buffers and tight SLA targets.

EMIs, PIs, and non-euro PSPs facing instant-payment mandates, plus multi-currency aggregators.

Mobile and cloud builds for neobanks, payment institutions, and embedded finance, with compliance in the stack.

Product engineering for regulated finance

Product engineering

From first mockups to production: banking UIs, ledger microservices, and KYC/AML integrations.

Neobanks shipping fast, licensed EMIs launching cards or IBAN accounts, and brands embedding financial products.