Payments rails & ledger engineering
Double-entry ledger design, idempotent rails, scheme integration (Visa, Mastercard, Faster Payments, SEPA), and ISO 20022 messaging, built for 24/7 settlement and reconciliation that survives audit.
Industries / FintechFintech
Fintechs built to clear regulator review
Embedded finance, card programmes, open banking, crypto custody, and KYC, built by senior teams who have shipped inside EMIs, PIs, and crypto firms, with the evidence pack handed over alongside the code.
0+Fintechs & EMIs shipped
0%First-pass regulator clearance
0 moAvg MVP-to-live rails
What we deliver
Fintech engagements we run end-to-end
Pick a single workstream or compose them into a multi-quarter programme. Every engagement is architect-led, senior-staffed, and runs to a signed scope your compliance lead will accept.
Embedded Finance & Banking-as-a-Service
End-to-end BaaS platforms (accounts, payments, cards, lending) exposed through clean tenant-scoped APIs, with KYC / KYB orchestration, sponsor-bank reconciliation, and per-tenant reporting baked in. Senior architects own the programme from sandbox build through to live multi-tenant operations under SLO, with the regulator-evidence pack drafted alongside the build rather than bolted on at the end.
Card Issuing & Digital Wallets
Card programmes on Marqeta, Galileo, and Enfuce: issuing, tokenisation, 3DS, dispute management, and Apple/Google Pay onboarding. Custom controls and authorisation logic engineered for your scheme-network position.
Open Banking & PSD2/PSD3 APIs
AIS, PIS, and confirmation-of-funds endpoints, built to OBIE and Berlin Group specs, tested through the regulator sandbox.
Crypto Custody & Tokenisation
MPC custody, exchange integrations, and regulated tokenisation flows, shipped to MiCA and FCA cryptoasset expectations.
KYC, KYB & Transaction Monitoring
Risk-scored onboarding and live transaction monitoring, tuned to keep SAR queues short.
Compliance Copilots & RAG Advisors
Audit-ready GenAI over your policy stack, cleared through model risk on first review.
Regulator-fluent compliance engineering
EMI / PI / AI permissions, safeguarding flows, MLR 2017, MiCA, PSD2/PSD3, and EBA Guidelines, translated into design constraints, not retrofitted as a remediation sprint before the gate.
Open banking & embedded API platforms
Tenant-scoped APIs, OAuth and FAPI flows, sandbox parity, and reliability budgets engineered so partner integrations don't break under load or regulator-mandated change.
Cyber-resilience for regulated rails
DORA-aligned operational resilience, scheme-mandated pen testing, sanctions screening, and third-party concentration analysis, built in, not bolted on.
Engineering depth
Four disciplines behind every fintech programme we ship
Fintechs scale or stall on the same four engineering questions. These are the disciplines our delivery teams bring to every programme.
Where it pays off
Where fintech founders see it pay off
Selected programmes across neo-banks, embedded finance, card issuers, crypto, and lending platforms, anonymised where required, specific on the outcome.
Neo-Banks & ChallengersFCA-authorised neo-bank, sandbox to live in 6 months
Mobile app, KYC, ledger, scheme integration, and reg reporting shipped to the FCA mobilisation milestone. 6 mo to live rails.
Embedded FinanceMulti-tenant BaaS platform for a marketplace
Tenant-scoped accounts, cards, and KYC orchestration with sponsor-bank reconciliation across three early partners. 3 tenants live.
Card IssuingCustom card programme on Marqeta
Card programmes launched on Marqeta: issuing, tokenisation, 3DS, dispute management, and Apple/Google Pay wallet provisioning wired into the sponsor-bank window. The authorisation logic was tuned to the client's scheme position, dispute and chargeback flows shipped alongside the cardholder UI, and the PCI evidence pack handed over at go-live. First card produced inside twelve weeks of mobilisation, with the same engineering pod on call through launch and the first ninety days of live operations. 12 wks to first card.
Crypto & TokenisationMPC custody for a regulated exchange
MPC custody, withdrawal controls, and exchange integration, cleared MiCA and FCA cryptoasset review on first pass. 100% first-pass review.
Lending & BNPLReal-time decisioning for a BNPL lender
Sub-second credit decisions with explainable models, affordability and CRA wired in. 180 ms decision.
Open BankingAIS / PIS platform for a payments PSP
Confirmation-of-funds and PIS rails launched to OBIE and Berlin Group specs. 12 banks integrated.
Platform expertise
Fintech platforms we integrate against
Production integrations against the platforms fintech founders ask us about: card programmes, BaaS cores, KYC, scheme connectors, and crypto rails.
Marqeta
Card issuingCustom card programmes on Marqeta: Just-in-Time funding, tokenisation, 3DS, and dispute management wired into your ledger.
Capabilities we deliver
- JIT funding orchestration
- 3DS + scheme tokenisation
- Dispute & chargeback flows
- Apple / Google Pay onboarding
Security & compliance by designISO 27001 · SOC 2 · GDPR
Pre-built acceleratorsCut timelines by 30–50%
Battle-tested at scaleTier-1 banks · Production traffic
API-first & future-readyStandards-based · Extensible
Our engagement workflow
Seven stages from first call to ongoing support
Every engagement walks the same path, sized to your problem, but with the same verification gates baked in.
Phase 01Discovery
Two-week paid sprint. Architect-led. Output: regulator map, costed roadmap, signed scope.
Phase 02Planning
Pod composition, sequenced milestones, change-control governance, and risk register.
Phase 03Design
Reference architecture, threat model, design system, and acceptance criteria locked.
Phase 04Development
Weekly demos, trunk-based, CI/CD from day one. Code reviewed against spec at every gate.
Phase 05Testing
Unit, integration, e2e, security, performance, and accessibility, automated and gated.
Phase 06Deployment
Blue-green or canary, observability live before launch, rollback rehearsed.
Phase 07Support
Managed services or hypercare hand-off. Defined SLOs, named on-call, monthly reviews.
Success stories
Programmes we have shipped
89%
Fintech
Autonomous reconciliation for a payments processor
Resolved 89% of reconciliation breaks without a human, every action logged for audit.
PythonTemporalLangGraphPostgresAWS
Country · DE
31%
Fintech
Explainable credit scoring for a digital lender
Lifted approval rates 31% at constant loss, every decision reason-coded for the FCA.
PythonLightGBMSHAPAWS SageMaker
Country · UK
120+
Fintech
API and integration layer for a payments group
Unified 120+ partner integrations behind one governed API gateway.
TypeScriptNode.jsKongOpenAPIAWS
Country · DE
15x
Fintech
CI/CD overhaul for a fintech
Lifted release frequency 15x with automated gates and one-click rollback.
GitHub ActionsArgo RolloutsKubernetesTerraform
Country · UK
live
Fintech
Loss and fraud analytics for a fintech
Live loss-and-fraud analytics replaced a two-day report at a fintech, surfacing emerging fraud same-day.
dbtBigQueryLookerFivetran
Country · UK
3 critical
Fintech
Red-team engagement against a fintech app
Found and helped close three account-takeover paths before a fintech's launch.
Burp SuiteFridaMobSFOWASP MASVS
Country · UK
30+ edge cases caught
Fintech
Exploratory and regression testing for a customer-management platform
Exploratory and regression testing across pipelines, analytics, and customer records surfaced more than thirty edge-case defects that scripted suites had missed, hardening a German fintech's CRM before a major rollout.
WebTestRailJiraPostman
Country · DE
p95 latency flat
Fintech
Scalability and endurance testing for an analytics platform
Kept p95 latency flat as audience data and concurrency scaled, proving the analytics dashboards would not slow as customers grew.
k6LocustGrafanaDatadog
Country · US
Audit-ready posture
Fintech
Multi-cloud security and misconfiguration assessment
Assessed the attack surface and misconfigurations across AWS, Azure, and GCP and mapped every finding to compliance, leaving the estate audit-ready.
AWSAzureGCPScoutSuite
Country · DE
3-chain shortlist
Fintech
Stablecoin settlement strategy for a finance SaaS
Delivered a reference architecture and a three-chain shortlist for embedding stablecoin settlement into a SaaS finance platform's cash-flow workflows.
Feasibility studyStablecoinsSolution architectureChain selection
Country · US
Real-time markets
Fintech
On-chain crypto exchange for a digital-asset trading platform
Delivered a web and VR exchange with real-time candlestick markets and on-chain order execution that settles in a single confirmation for a digital-asset trading platform.
SolidityWeb3.jsTradingViewWebGL
Country · US
Audit-ready in weeks
Fintech
On-chain compliance and audit-readiness platform for a protocol
Automated evidence collection and continuous monitoring got a protocol audit-ready in weeks rather than months, with a complete controls trail behind every review.
SlitherFoundryOpenZeppelinEthereum
Country · CH
0 critical findings
Fintech
On-chain escrow and payout rails for a founder finance platform
Programmable escrow and stablecoin payout contracts cleared external audit with zero critical or high findings for a founder finance platform.
SolidityOpenZeppelinAccount AbstractionBase
Country · UK
3.1x
Insurance
Underwriting copilot for a speciality insurer
Drafted first-pass quotes from submission packs 3.1x faster, every clause cited back to the wording it came from.
PythonAzure OpenAILangChainPostgrespgvector
Country · UK
44%
Banking
Grounded knowledge copilot for a retail bank contact centre
Cut average handle time 44% across 2,600 agents, with answers grounded in approved policy only.
PythonAzure OpenAIAzure AI SearchKubernetes
Country · UK
12x
Wealth Management
Adverse-media screening for a private bank
Screened 12x more names at a lower false-positive rate, each hit evidenced.
PythonTransformersElasticsearchAzure
Country · CH
47%
Insurance
Motor damage assessment from photos for an insurer
Settled 47% of motor claims from images alone, with fraud flags surfaced inline.
PythonPyTorchDetectron2AWS
Country · UK
£14M
Insurance
GenAI opportunity assessment for an insurance group
Mapped a £14M annual benefit pipeline across 40 use cases, sequenced by risk.
StrategyValue modellingRisk assessment
Country · DE
9 months
Banking
Core-banking platform build for a challenger bank
Ledger, accounts, and payment rails delivered to an FCA launch milestone in 9 months.
GoPostgreSQLKafkaKubernetesAWS
Country · UK
3x
Insurance
Claims platform rebuild for a general insurer
Replaced a 15-year-old claims system, tripling throughput per handler.
C#.NETAzureSQL ServerReact
Country · UK
78%
Banking
Onboarding web app for a digital bank
Straight-through KYC onboarding raised completion to 78%.
ReactTypeScriptNode.jsAWS
Country · UK
2.1x
Wealth Management
Wealth app for a private bank
MiFID-compliant investing app doubled monthly active clients.
SwiftKotlinGraphQLAzure
Country · CH
48h
Insurance
Managed patching and compliance for an insurer
Held critical-patch SLA to 48 hours across an insurer's estate, evidenced every cycle.
AnsibleAWS SSMTerraformWiz
Country · UK
44%
Banking
AML transaction-monitoring analytics for a bank
Cut false-positive AML alerts 44% at a bank while catching more genuine risk.
SnowflakedbtPythonPower BI
Country · UK
60→1
Insurance
Underwriting analytics dashboards for an insurer
Replaced 60 spreadsheets with one governed underwriting board pack for an insurer.
Power BITabularAzuredbt
Country · UK
22%
Wealth Management
Customer identity rebuild for a wealth platform
Passwordless identity cut account-takeover 22% and sign-in friction at a wealth platform.
Auth0WebAuthnFIDO2Node.js
Country · CH
11 weeks
Insurance
DORA readiness for an insurer
Reached DORA operational-resilience readiness in 11 weeks for an insurer.
GovernanceDORAResilience testing
Country · DE
10k+ assertions
Banking
API testing for a digital banking app
Delivered 10,000+ automated assertions across balance, transfer, and payment APIs, catching every schema and auth regression before release for a digital bank.
PostmanRESTNewmanJMeter
Country · UK
100%
Insurance
Test automation for an insurance quote platform
Automated quote, coverage, and claims journeys for a US insurer, holding 100% of critical paths green across a fast release train.
SeleniumJavaTestNGJenkins
Country · US
ERC-3643 blueprint
Wealth Management
Real-estate tokenisation and tokenomics advisory
Delivered a fractional real-estate tokenisation model with an ERC-3643 compliance blueprint for regulated investor onboarding.
TokenomicsRWA tokenisationERC-3643Chain selection
Country · AE
10× lower fees
Banking
Tokenised issuance launchpad for a digital-asset bank
Shipped a bonding-curve launchpad with automated AMM migration and wallet-connected minting that cut issuance fees roughly tenfold for a digital-asset bank.
SoliditySolanaFoundryAMM
Country · AE
Multi-chain wallet
Wealth Management
Non-custodial multi-chain wallet for a digital wealth platform
Delivered a non-custodial mobile wallet with multi-chain watchlists, swap and bridge flows, and live portfolio tracking across Ethereum and Base for a digital wealth platform.
SolidityBaseWalletConnectReact Native
Country · SG
40+ pools tracked live
Wealth Management
Live yield analytics dashboard for a DeFi asset manager
Indexed on-chain positions across more than 40 pools in real time, giving a DeFi asset manager one live view of where yield was actually moving.
The GraphChainlinkNext.jsEthereum
Country · UK
$1B+ in loans matched
Banking
Lending and borrowing marketplace for a DeFi fintech
Matched borrower demand to non-custodial money markets through a single application, routing more than a billion dollars in loans across lines of credit and term loans.
SolidityAave v3ChainlinkEthereum
Country · US
Fractional ownership live
Wealth Management
Tokenised property ownership for a premium real-estate platform
Fractional, permissioned ownership contracts with on-chain title records reached mainnet inside a tight launch window for a premium real-estate platform.
SolidityERC-3643ERC-721Polygon
Country · AE
Who we are
About usBritonOne Technology is a full-cycle engineering company that builds and operates production software for regulated estates. Since 2017, we have shipped programmes that clear audit on the first pass across banking, insurance, wealth, healthcare, and biotech. Our teams pair deep domain knowledge with disciplined engineering, treating compliance, security, and resilience as first-class deliverables. From architecture through to live operations, we stay accountable for the systems we build, measuring success by uptime, audit outcomes, and defensible business results.
60+Senior engineers across UK and EU
Why choose us
Engineer experience, average9+ yrs
Specialist replacement window48h
Code and IP ownership, day one100%
Surprise invoicesZero
Why teams choose BritonOne Technology
Four reasons enterprise buyers come back
We don't compete on lowest day-rate. We compete on shipped outcomes inside environments that have to clear audit.
Senior-only delivery
Every engineer on every engagement is at least senior, typically eight to fifteen years deep in their craft. No bench rotations, no junior pyramid hidden behind a glossy proposal, no bait-and-switch after contract signature. The architect who scoped your engagement is the same person committing code by week three.
Audit-ready by default
FCA, PRA, EBA, BaFin, FINMA, HIPAA, SOC 2 Type II: every framework we work under is treated as a design constraint from day one, not a final-stage gate. Evidence trails, model-risk packs, change-control artefacts, and pen-test reports ship alongside the code, ready for second-line review without a remediation sprint.
Anti-drift delivery discipline
Small pods of three to seven engineers, each with a named delivery lead who owns scope, schedule, and outcomes from kickoff to hand-off, never a faceless team you have to chase for an answer. Weekly demos run against the signed scope, frequent verification gates catch regressions early, and quarterly outcome reviews measure real progress against the original business case rather than a moving target. Together those rituals catch scope drift before it has any chance to compound, so programmes that should take six months don't quietly stretch into eighteen, budgets stay anchored to what was agreed, and every milestone ships with a written, testable definition of done that both sides sign off before we move on.
Long-tail support beyond hand-off
We don't disappear the moment the engagement closes. Managed services, hypercare windows, named on-call rotations, or quarterly health checks: pick the depth that matches your operational risk profile. About seventy percent of clients return for a second programme, usually because the team that shipped the first one is still on the other end of the page.
Fintech client reviews
Words from the fintech teams we have shipped with.
Anonymous under MNDA. Each quote is from a senior fintech buyer who owned the engagement end to end.
Sandbox to Live in Six Months
“We had eighteen months of half-finished work from the previous vendor. BritonOne Technology reset the scope to what mattered, and we cleared the FCA mobilisation milestone in six.”
CEO & Co-founderFCA-authorised neo-bank, UK
Fintech procurement questions
Things fintech buyers ask before signing the first SOW
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Before you sign
Direct answers to what procurement, security, and delivery leads weigh before signing: compliance, integration, and the accountability we put in writing.
Do you have experience with EMI / PI / AISP permission applications?
Yes. Our senior delivery leads have supported FCA EMI, PI, and AISP applications across more than a dozen fintechs, including mobilisation conditions, safeguarding flows, and the back-and-forth with the case officer. We produce the regulator-evidence pack alongside the build and will sit on the supervisory call rather than handing it off cold.