From idea to infrastructure
Prebuilt stacks
Reference architectures and provider shortlists. Stacks are a starting point for research — not products for sale, and not a guarantee of compliance or licensing suitability.
Accept payments globally
A multi-market payment acceptance stack covering acquiring, local payment methods, orchestration, fraud, payouts and reconciliation.
Build a KYC and AML stack
A layered customer-lifecycle control stack covering identity, business verification, screening, transaction monitoring, fraud, cases and crypto-specific controls.
Launch a European fintech
A modular reference architecture for a European account, payment and card product. It separates regulated infrastructure, product technology and control functions so teams can assess UK, EEA and multi-market variants independently.
Launch an embedded-finance product
A modular architecture for embedding accounts, payments, cards or lending into a non-bank product.
Add accounts and IBANs
A reference architecture for named accounts, virtual accounts or IBANs, payment-rail access, ledgering, onboarding and reconciliation.
Add lending infrastructure
A lending stack covering data, decisioning, origination, ledgering, servicing, collections, fraud and reporting.
Add open banking payments
An account-to-account payment stack covering payment initiation, consent, bank connectivity, account verification and reconciliation.
Add open-banking data and account verification
A data-focused open-banking stack for account aggregation, owner verification, enrichment, affordability and consent management, separate from payment initiation.
Add stablecoin settlement
An institutional treasury and cross-border settlement stack using stablecoins as a settlement rail rather than a consumer checkout product.
Build a crypto wallet and custody stack
A wallet and custody architecture covering onboarding, key management, transaction policy, qualified custody, compliance, fiat connectivity and network operations.
Build a digital wallet or neobank
A consumer or business wallet architecture covering accounts, ledger, cards, payments, identity, fraud and notifications.
Build a fraud and transaction-monitoring stack
A combined fraud and financial-crime architecture spanning device intelligence, identity, payment fraud, transaction monitoring, screening and cases.
Build cross-border treasury
A treasury operating stack for multi-currency accounts, FX, liquidity, payments, cash visibility, approvals and reconciliation.
Build multi-acquirer payment orchestration
A payment-resilience and optimisation architecture using multiple acquirers with independent routing, tokenisation, fraud and reconciliation.
Enable stablecoin payments
A user-facing stablecoin payment stack for merchant checkout, wallets, marketplaces, payroll or payouts, distinct from institutional treasury settlement.
Issue physical and virtual cards
A card-programme architecture separating sponsorship, issuer processing, programme management, manufacturing, tokenisation and fraud.
Launch a stablecoin
A reference architecture for issuing and operating a stablecoin, covering legal structure, reserves, issuance, custody, networks, liquidity, compliance, assurance and redemption.
Launch cross-border remittance and payouts
A remittance and payout stack spanning collection, FX, recipient verification, local payout networks, treasury, AML and reconciliation.
Launch marketplace payouts
A marketplace money-movement stack covering payee onboarding, collection, ledgering, splitting, payouts, tax data and reconciliation.
Modernise core banking and ledger infrastructure
A transformation stack for replacing or surrounding a legacy core with a modern ledger, payment hub, API layer, data migration and compliance integrations.
Following a stack does not guarantee regulatory compliance or licensing approval. Confirm requirements for your specific product with each provider and qualified advisers.