Sub-10ms Transactional Ledgers & Resilient Open Banking Architecture.
We design and engineer institutional-grade financial ledgers, Open Banking API layers, and real-time fraud detection engines. Built to strict FCA, PSD2, and PCI-DSS Level 1 compliance standards under English law.
FCA & PSD2
Open Banking Aligned APIs
PCI-DSS L1
Air-Gapped Encryption Rails
99.999%
Fault-Tolerant Settlement SLAs
Mathematical Precision Built to Withstand Peak Institutional Volume.
Financial platforms cannot tolerate ledger discrepancies, dropped packets, or regulatory ambiguity. Our engineering squads deliver defensive, audited banking systems.
Immutable Transactional Ledgers
Double-Entry Event Sourcing, CockroachDB, Apache Kafka, Go
Cryptographically sealed ledger engines with multi-region Raft consensus, ensuring deterministic zero-balance reconciliation and audit immutability under extreme transaction concurrency.
- ACID double-entry ledger primitives preventing race conditions.
- CQRS separation of immutable transaction event streams and balance projections.
- Automated real-time multi-currency position reconciliation.
Open Banking & PSD3 Payment Rail Integrations
Faster Payments, BACS, CHAPS, Stripe, Plaid, FAPI 2.0
High-security Open Banking gateways conforming to UK Open Banking Implementation Entity (OBIE) and upcoming PSD3 mandates with sub-50ms payment initiation (PISP) and account information (AISP) APIs.
- Mutual TLS (mTLS 1.3) and FAPI-compliant cryptographic token verification.
- Direct integration with UK clearing rails (Faster Payments, BACS, CHAPS).
- Automated mandate consent revocation and audit logging.
Fraud Detection & Real-Time AML Engines
Graph Databases (Neo4j), ClickHouse, Apache Flink, Python
Sub-50ms transaction fraud scoring engines evaluating payment velocity, entity relationship graphs, and automated OFSI/PEP sanctions list matching.
- Real-time graph traversal detecting mule account rings and layering patterns.
- High-throughput event streaming with stateful Flink anomaly detection.
- Automated Suspicious Activity Report (SAR) dossier generation.
Regulatory Audit Readiness & Governance
FCA Reporting Automation, PCI-DSS Level 1, ISO 20022 XML
Institutional-grade compliance architecture translating statutory Bank of England and FCA mandates into programmatic technical controls and tamper-proof evidence logs.
- PCI-DSS Level 1 air-gapped tokenized cardholder data environments (CDE).
- Native ISO 20022 financial messaging XML schemas.
- Tamper-proof audit logs with cryptographic write-once-read-many (WORM) storage.
Rigorous Financial Engineering from Threat Audit to Audit Pack Sign-off.
Regulatory Scoping & Threat Audit
FCA compliance mapping, PCI-DSS scope reduction, transaction volume modeling, and mutual NDA execution.
Ledger Architecture Blueprint
Double-entry ledger schema, Raft consensus topology, HSM key management, and API contract specification.
Sprint Build & FAPI Integration
Low-latency Go/Rust microservice development, Kafka event stream implementation, and FAPI 2.0 auth setup.
Penetration Testing & Load QA
CREST-certified penetration testing, sub-10ms latency benchmarking, and simulated financial ledger stress drills.
FCA Audit Pack & Handover
Zero-downtime cutover, complete audit dossier handover, and 100% intellectual property assignment under English law.
Engineer Your Financial Infrastructure With Regulatory Certainty.
Schedule a technical consultation with our London FinTech solutions architects. We evaluate your transaction throughput, Open Banking roadmap, and core banking integration requirements.
Registered Office: Hayes, London, United Kingdom • 1-Day Response SLA under Mutual NDA