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/// Industries / Fintech & banking

Payment rails and ledgers that pass the audit.

In financial infrastructure the review is the product. We build payment rails, ledgers, and onboarding that are instrumented, PCI-aware, and documented to clear compliance the first time.

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/// The mandate

In banking, the review is the product.

Everywhere else, you ship and then explain. In financial infrastructure it's the reverse: a capability that can't be evidenced doesn't exist, and the compliance review is the gate every feature has to walk through before it earns a single real transaction.

So we build for that gate from the first commit. Ledgers are append-only and reconcile to the cent. Every consent, decision, and state change is captured with the context an auditor will ask for. PCI scope is kept deliberately small, because the cheapest control is the one you designed out.

The result is a system where the audit is a formality, not a fire drill — and where 'we think it balances' is replaced by 'here is the proof that it does.'

PCI-DSSScope minimised by design
Append-onlyLedgers, reconciled to the cent
0Critical audit findings
/// Why builds stall here

What sinks a launch — and how we engineer around it.

What sinks a launch
  • A ledger that can't be reconciled under dispute
  • PCI scope that sprawls across the whole stack
  • Decisions taken with no evidence trail
  • A retrofit for compliance, weeks before go-live
How we build instead
  • Append-only ledgers, balanced to the cent by design
  • Card data isolated so PCI scope stays small
  • Every decision and consent captured as it happens
  • Controls modelled and documented up front
/// Capabilities

What we build.

  • Payment gateways & PSP integration
  • Acquirer & scheme connectivity
  • Tokenized & permissioned ledgers
  • KYC / AML onboarding flows
  • Custody & key management
  • Reconciliation & settlement
  • Fraud & risk scoring
  • Chargebacks & disputes
  • PCI-aware architecture
  • Compliance dashboards & reporting
/// Compliance

What we bring to the review.

The evidence pack a compliance review needs, produced as we build — not scrambled together the week before.

Data-flow and threat model, documented
PCI-DSS scope diagram and control mapping
Append-only audit log on every consequential action
Reconciliation reports that balance end to end
Access control and segregation-of-duties matrix
Incident runbooks and monitoring evidence
/// How we work

From flow map to cleared audit.

  1. [ 01 ]

    Map

    We map every money and identity flow — happy path, failure, refund, dispute — and where each must stay consistent.

  2. [ 02 ]

    Build

    Rails, ledgers, and onboarding built idempotent, instrumented, and audit-ready from the first commit.

  3. [ 03 ]

    Prove

    Reconciliation that has to balance, external review, and every control evidenced against the framework.

  4. [ 04 ]

    Operate

    Live settlement and risk dashboards, on-call runbooks — handed over or run with you.

/// Proof

What the work returns.

From tokenized-asset and payment rails we've taken to production.

4 wk
Pilot to production
0
Critical audit findings
PCI
Scope minimised by design
24/7
Ledgers monitored
In payments, 'it should balance' isn't an answer. We build the systems that can prove they balance — every transaction, every close, every audit.
ProtocoreEngineering principles
/// Related work

Financial infrastructure, in production.

Fintech

Tokenized asset rails

A permissioned ledger, custody, and a compliance dashboard — pilot to production in a quarter.

4-week pilot to productionView case
Events

NFC payments for 80,000 attendees

Wristband top-up, offline-tolerant terminals, and real-time settlement across a 3-day festival.

€2.4M cleared in 3 daysView case

Building for one of these?

Tell us the constraints — uptime, compliance, field conditions. We'll come back with an architecture that fits.

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