Discuss your product →
Fintech engineering · Payments · Banking · Crypto

You run the business. We take care of product, engineering and every integration, from MVP to acquisition.

Discuss your product →See how we did it →
Case · US payments platformRead the case →
$4.4B+Processed in 12 months
3 monthsFrom architecture to production
4+ integrationsAirwallex, Braid, BlockFills and others
AcquiredBy a publicly traded payments company

We designed and built the platform and still develop it.

How we start

No technical spec? That's where we start.

Bring the business plan, your partners and a deadline. In a few weeks we turn them into a product definition and an architecture you can build on.

The questions we settle with you
Roles and permissions
Who can do what: customers, operators, partners?
Compliance checks
Where do KYC/KYB, sanctions screening and transaction monitoring sit in the flow?
Flow of funds
Where does money come in, where is it held, and how does it settle?
Providers and rails
Which provider handles each step, and over which rail?
Exceptions
What happens when a provider fails, a payment is returned, or the balances don't match?
Fees and pricing
Who pays which fee, when is it charged, and how does it show on the statement?
payment sequence · example10 steps
What you get
01

User flows

Every role, step and exception, signed off by you.

02

Screens

The critical features, designed and ready to build.

03

Architecture

Services, ledger and providers, explained in business terms.

04

Delivery plan

Scope, phases, team and timeline for the MVP.

Start with discovery

1–3 weeks · Fixed price

Discuss your product →
Case · US payments platform

From the founders' requirements to a platform carrying real money

Kipp B. · Co-founder, US payments platform
They effectively acted as our CTO, guiding technical decisions and helping us shape the product.

  1. 2 weeks: Discovery

    From the first call to flows, screens and an architecture ready to build.

  2. 3 months: Build & release

    The customer product, operations console and provider integrations, from scratch to production.

  3. 1 year: Live & acquired

    Live with customers, carrying real money. Acquired by a publicly traded payments company in 2025.

  4. Today: Develop & operate

    We continue to develop the platform and support its operations.

The client's customer dashboard: wallets in twelve currencies and recent payouts and conversions.
Read the full case →
What we build

The financial core we build

One platform that connects your providers and rails, fiat and crypto, behind a single product and a single API.

platform · live view--:--:-- UTC
All services →
  • 01

    Accounts and compliance

    Named accounts and virtual IBANs for your customers, such as FBO accounts in the US and safeguarded accounts in the EU. KYC and KYB, sanctions screening, monitoring.

  • 02

    Payments and rails

    Local and cross-border rails, such as ACH and FedNow in the US, SEPA and SWIFT in Europe, and card. With automatic failover between providers.

  • 03

    Crypto and stablecoins

    On- and off-ramps and stablecoin payouts beside your fiat rails.

  • 04

    FX and cross-border

    Multi-currency balances, conversion and international payouts.

  • 05

    Ledger and reconciliation

    Real-time balances and automatic reconciliation across every rail.

  • 06

    API and operations console

    One for your product, one for your operations team.

We build the technology. We don't hold licenses or provide banking services. Your KYC/AML policy and bank relationships stay with you and your partner banks.

Who we build for

Built for teams moving money

  • Fintech startups and scale-ups
  • Payment service providers
  • Money services businesses
  • E-money and payment institutions
  • Crypto and stablecoin businesses
  • Embedded-finance and BaaS programs
Is this you?

A fintech building its platform

You have
The market, the model and the financial partners
What's missing
One team for product, architecture and the build

A company adding a financial product

You have
A customer base, a business case and your own teams
What's missing
A partner to shape the product with you and take on the engineering
Clear roles on both sides

You

  • Customers and pricing
  • Provider and partner contracts
  • Compliance obligations and rules
  • Launch and growth

Sednor

  • Product design and UX that fits them
  • Integrations and architecture around them
  • Controls built into the product
  • Operation and ongoing development
Team

The people who work on your product

Engineers, designers, project managers and QA across Europe, led by two engineer-founders who have built software together since 2014. One team from the first call to production.

Meet the team →
in ↗

Nikita

Co-founder

Contact

Let's get your platform moving money.

Bring a business plan, a prototype or just an idea. No technical specification needed: we'll work out the rest together.

Talk with Nikita

Co-founder of Sednor

nikita@sednor.tech ↗Book a 30-min call ↗