Digital bankUK launch
Boubyan Bank
A digital banking platform for Kuwait's Boubyan Bank to enter the UK market, with money transfers at its core.
React Native · Node.js · Kubernetes · AWSWe speakFintech.
We build the technology behind better finance. Bring us the product goal: a senior team takes it from specification to production and stays accountable for the result.
Delivered by Index Codemotion, the product delivery team of Index.dev.
Shipped for
Selected work
Fintech products we have shipped.
Finance leaves no margin for error. Money has to add up, regulators have to be satisfied and every integration has to hold under load.
No room for almost right.
Transactions · TodayAll locations (4)
AllCard presenteCommerceMOTORecurring
| Time | Card | Type | Amount | Status |
|---|---|---|---|---|
| 14:02 | Visa ··4242 | Sale | $129.00 | Approved |
| 13:51 | Amex ··0005 | Sale | $1,240.00 | Fraud review · 82 |
| 13:44 | Visa ··1881 | Refund | −$35.00 | Settled |
| 13:37 | ACH ··9921 | Recurring | $299.00 | Pending |
| Net volume today | 5 transactions | $1,682.00 | ||
Card data that never leaks.
PCI DSS, tokenization, KYC flows and audit trails designed into the product from the first sprint, not added before launch. Fraud review sits in the same flow as the payment.
PCI DSSTokenizationFraud trackingShipped for accept.blue
Settlement run · Week 43
Open invoices between partners
Northwind → Kestrel€48,000
Kestrel → Atlas Freight€31,500
Atlas Freight → Northwind€27,000
Mira Retail → Northwind€22,000
Kestrel → Mira Retail€12,500
Atlas Freight → Mira Retail€9,000
Transfers36 without netting
Money moved€5,000€150,000 without netting
Northwind+€1,000
Kestrel+€4,000
Atlas Freight−€4,500
Mira Retail−€500
Atlas Freight pays Northwind€1,000
Atlas Freight pays Kestrel€3,500
Mira Retail pays Kestrel€500
Net total across partners€0 · reconciled
Balances that always net to zero.
Settlement, balances and reporting logic that is deterministic and tested on the edge cases, so finance teams can trust what they see. Move the invoice above: six transfers become three.
Settlement engineNestJSPostgreSQLShipped for Sawi
Cash position, all accounts
€412,860
Forecast for 31 Dec: €468,300
Business · ··3000€318,240
Private · ··7120€94,620
Treasury · next 30 days+€55,440
Bank connections that hold under load.
Bank APIs, payment providers, KYC vendors and public blockchains connected reliably, with monitoring when a third party fails. Business and private accounts in one real-time view.
Bank APICash forecastingFirebaseShipped for Puls
Delivery statementIndex Codemotion
| Goal becomes a written specification | you approve |
| Architecture and delivery plan | you approve |
| Scope and price | agreed |
| A senior lead owns the product | one name |
| AI drafts specs, code and tests | drafts |
| Engineers review every step | every change |
| QA, design, domain experts | when needed |
| Progress you can see | weekly |
| Production rollout | monitored |
| Support plan | sized to product |
You hold: a product in productionone team accountable
Price first, code second.
You agree the plan and the price before any code is written. After that, you see progress every week, and one senior lead stays accountable for what ships.
Fixed planWeekly progressOne accountable lead
How we deliver
Small senior teams. People accountable.
AI sits in the workflow, people own the result. You agree the plan and the price before any code is written, then see progress every week.
Discovery and specification
Your goal becomes a written specification, an architecture and a plan you approve before development starts.
A lead who owns it
A senior engineer owns the product end to end. QA, design and domain experts join when the work needs them, not by default.
AI-driven, human-reviewed
AI agents draft specifications, code and tests. Engineers review every step before anything ships.
Launch and support
Production rollout, monitoring and a support plan sized to your product after go-live.
Built for every corner of finance
Digital banking platforms
Web and mobile banking, accounts and transfers.
Shipped · Boubyan Bank, PulsNeobanking apps
A bank in the phone, built for a market launch.
Shipped · BB2Open banking APIs
Bank connections with a real-time cash position.
Shipped · PulsLending platforms
Applications, decisions and repayment schedules.
Ready to scopePayment processing systems
Card and alternative payments across every channel.
Shipped · accept.blueDigital wallets
Multi-asset wallets with staking and pools.
Shipped · Opium FinanceAccounting and invoicing
Payables, receivables and settlement in one flow.
Shipped · SawiWealth management apps
Portfolios, positions and performance views.
Ready to scopeCryptocurrency and blockchain
Reporting across five networks and Web3 checkout.
Shipped · Canvas, SwipeluxDecentralized finance
Staking, collective pools and user-created markets.
Shipped · Opium FinanceInsurtech platforms
Policies, claims and pricing logic.
Ready to scopeCrypto payments
Fiat to crypto conversion with KYC built in.
Shipped · SwipeluxCapabilities
Everything your roadmap needs.
- Backend and API developmentNode.js · NestJS · Koa
- Mobile and web developmentReact Native · React · Vue
- Cloud and DevOpsAWS · Kubernetes
- Security engineeringPCI DSS · tokenization
- Data engineering and analyticsPostgreSQL · MySQL
- AI and machine learningAgents in the delivery workflow
- Quality engineeringTest automation
- Legacy modernizationMove without downtime
Need it built?
We deliver the product.
Scope, team, delivery and support from one accountable partner. You own the roadmap; we own getting it shipped.
Book a call
Need engineers on your team?
Hire vetted fintech developers.
Senior fintech engineers who join your team and work in your sprints, matched by the Index.dev platform.
Hire developers
Deliver your fintech roadmap faster.
Tell us what you are building. We will come back with questions, a first plan and the team to deliver it.