Core modernisation without a big-bang cutover.
Strangler patterns, event bridges, dual-write reconciliation. We move you off the mainframe in 18 months without a single migration weekend.
Sector · Financial services← All industries
Fintech software development
that survives the audit.
Core banking, payments, wealth, insurance. We engineer for the audit trail, the SLA, and the uptime number, because in financial services those are the same conversation.
24
projects in sector
18 yr
fintech experience
Audit-aware
engineering practice
High-availability
delivery targets
Selected clients · 2008 – today
Power to LiveRBM GlobalDragonflySquiblerMOOSainsbury'sMPCX-LinkPower to LiveRBM GlobalDragonflySquiblerMOOSainsbury'sMPCX-LinkPower to LiveRBM GlobalDragonflySquiblerMOOSainsbury'sMPCX-Link
What this sector teaches you
Velocity and audit are not trade-offs.
Financial services is the sector that punishes sloppy engineering most. Regulators want written architecture decisions. Auditors want reproducible deploys. Customers want zero downtime during a live migration. The teams that win here design for all three from day one.
We've built core payment rails, open-banking surfaces, credit-decisioning models, and KYC platforms. The pattern repeats. Measure first. Document more than feels comfortable. Automate the evidence. Leave the system more maintainable than you found it.
Selected work
Things we've shipped
in finance.
A sample of what we've built in this sector. We omit client names by default and share them under NDA when you want to dig into a specific engagement.
- Payments platform
Paylink: connected commerce for Australian SMBs.
An Australian payments platform that unifies bills, invoicing, accounts and card acceptance into one mobile-first experience, positioned as a local alternative to global processors.
FlutterFlaskPostgreSQLAWSDocker - Web3 platform
Wealthwise: Web3 platform.
A web app for on-chain finance, built with React, Django, Node.js, Express, PostgreSQL and Web3. Wallet connection, contract calls and transaction state are wrapped in an interface that non-crypto users can operate with confidence.
ReactDjangoNode.jsExpressPostgreSQLWeb3 - Investment platform
Nexora: Investment platform.
A web app for investing & markets, built with React, Django, Django REST Framework and PostgreSQL. Watchlists, holdings and research sit behind one login, tuned to stay responsive when the market is open and traffic peaks.
ReactDjangoDjango REST FrameworkPostgreSQL - Fintech platform
Hydroca: Fintech platform.
A web app for payments & finance, built with React. Accounts, invoices and settlements reconcile against one ledger, so every balance can be explained and audited.
React - Web3 platform
Ciphervault: Web3 platform.
An on-chain finance product built with React, Redux, Node.js, GraphQL, Web3 and EVM. Wallet connection, contract calls and transaction state sit behind an interface a non-crypto user can actually operate.
ReactReduxNode.jsGraphQLWeb3EVM - Web3 platform
Stakeflow: Web3 platform.
A mobile app for on-chain finance, built with React Native, Redux, Node.js, Express, MongoDB and GraphQL. Wallet connection, contract calls and transaction state are wrapped in an interface that non-crypto users can operate with confidence.
React NativeReduxNode.jsExpressMongoDBGraphQL - Risk platform
Linguana: Risk platform.
A web app for risk & compliance, built with Django, Django REST Framework, Celery, Python, CircleCI and coveralls. Signals are scored against configurable rules and land in a reviewable queue, so decisions are consistent and recorded.
DjangoDjango REST FrameworkCeleryPythonCircleCIcoveralls - Web3 platform
Collatr: Web3 platform.
React, Redux and Node.js over GraphQL, Web3 and EVM, built so on-chain finance stops reading like a developer tool. Signing, pending states and failures are explained in the interface rather than left to the wallet.
ReactReduxNode.jsGraphQLWeb3EVM - Web3 platform
Coursecast: Web3 platform.
A web app for on-chain finance, built with React and Node.js. Wallet connection, contract calls and transaction state are wrapped in an interface that non-crypto users can operate with confidence.
ReactNode.js - Fintech platform
Nimbex: Fintech platform.
A web app for payments & finance, built with React and Nodejs AWS. Accounts, invoices and settlements reconcile against one ledger, so every balance can be explained and audited.
ReactNodejs AWS - Web3 platform
Coverchain: Web3 platform.
An Angular front end for on-chain finance, written for people who have never held a private key. Wallet connection, contract calls and transaction state are wrapped so the chain stays underneath the product rather than in front of it.
Angular - Web3 platform
Scenaro: Web3 platform.
On-chain finance in a React app that behaves like ordinary software. Connecting a wallet, calling a contract and waiting on a transaction are all presented in terms a non-crypto user already understands.
React - Fintech platform
Cliently: Fintech platform.
A web app for payments & finance, built with React, Django, Django REST Framework and PostgreSQL. Accounts, invoices and settlements reconcile against one ledger, so every balance can be explained and audited.
ReactDjangoDjango REST FrameworkPostgreSQL - Web3 platform
Playmint: Web3 platform.
An on-chain platform built with React and .NET, with Solidity contracts on Ethereum using OpenZeppelin. Wallet connection, contract calls and transaction state are wrapped so a non-crypto user is never left guessing what happened.
React.NETWeb3.jsSolidityEthereumOpenZeppelin - Web3 platform
Grinwell: Web3 platform.
React and .NET over Web3.js, with Solidity contracts on Ethereum built on OpenZeppelin. The hard part was never the chain: it was making pending, confirmed and failed legible to people who do not think in transactions.
React.NETWeb3.jsSolidityEthereumOpenZeppelin - Fintech platform
Streamlearn: Fintech platform.
A web app for payments & finance, built with PHP, CodeIgniter and Bootstrap. Accounts, invoices and settlements reconcile against one ledger, so every balance can be explained and audited.
PHPCodeIgniterBootstrap - Risk platform
Merchly: Risk platform.
A web app for risk & compliance, built with React, Django, AWS and Python. Signals are scored against configurable rules and land in a reviewable queue, so decisions are consistent and recorded.
ReactDjangoAWSPython - Investment platform
Folionova: Investment platform.
A mobile app for investing & markets, built with React Native and Django REST Framework. Watchlists, holdings and research sit behind one login, tuned to stay responsive when the market is open and traffic peaks.
React NativeDjango REST Framework - Fintech platform
Resortix: Fintech platform.
A mobile app for payments & finance, built with React Native and Django REST Framework. Accounts, invoices and settlements reconcile against one ledger, so every balance can be explained and audited.
React NativeDjango REST Framework - Custom application
Rentpeer: Custom application.
A React Native app backed by Django REST Framework, handling one financial workflow end to end. Validation lives in the model rather than the screens, so every record that reaches the database is one the business can rely on.
React NativeDjango REST Framework - Custom application
Sams: Custom application.
A web app for a focused workflow, built with React and Django REST Framework. The core workflow is modelled properly once, so data stays consistent and the product is straightforward to extend.
ReactDjango REST Framework - Custom application
Banking App: Custom application.
A mobile app for one focused banking workflow, built with React Native over Django REST Framework. Getting the core model right once is what keeps balances and records consistent, and lets the product grow without a rebuild.
React NativeDjango REST Framework - Platform build & consolidation
Onefold: platform consolidation for an acquired risk-data scale-up.
A scale-up in institutional risk data needed to move fast without building an internal engineering team. Over several years, Enigmatix stood up a multi-disciplinary team spanning very different technical requirements — a web-based platform, its APIs, and a mobile app — and acted as the client's engineering function, advising on technical decisions along the way. When the company was acquired, the team worked seamlessly alongside the acquirer's third parties through the transition rather than around them. Post-acquisition, we rebuilt multiple client-facing applications into a single consolidated platform. The result: development accelerated for years without in-house engineers, and the product survived an acquisition intact — the hardest test an outsourced build faces.
Web platformREST APIsMobileCloud
Where you call us
The four problems we're hired to solve.
Regulatory platform build-outs.
PSD2, DORA, MiFID II, FAPI 2.0. We've implemented the spec on both sides, consumer and provider, and we know where vendors cut corners.
Real-time risk and fraud.
Streaming pipelines that score every transaction under 120ms. Kafka, Flink, Redis, plus the ML models and the feedback loop. End-to-end, in production, at scale.
High-throughput customer surfaces.
Mobile apps, open-banking portals, broker consoles. Designed to survive a market-open spike without the CTO paging engineering at 7am.
What we ship here
Four things we've built repeatedly.
Payments platforms.
ISO 20022 rails, card-acquiring, open-banking payment initiation, stablecoin back-ends. From edge integration to settlement reconciliation.
Credit and risk decisioning.
Real-time scoring services with model governance, challenger frameworks, and explainability surfaces regulators actually accept.
KYC / AML platforms.
Onboarding flows, transaction monitoring, case management. Pluggable vendor integrations so you don't repeat the procurement cycle.
Broker / wealth portals.
High-density data surfaces, live order books, portfolio analytics. Built for the advisor who doesn't tolerate UI lag.
How to engage
Three ways to work with us
in finance.
Pick the shape that matches the commitment. Each model ships the same engineering standard. The difference is commercial and operating fit.
Dedicated teams
A cross-functional pod owning a workstream end-to-end.
Offshore development centre
A fully-managed engineering arm built in-region.
Staff augmentation
Senior engineers plugged straight into your team.
Not sure which fits?
Book a 30-minute call with our financelead. Bring the problem; we'll talk through which engagement actually matches the work.
Trusted by our clients
What partners
tell us.
Most clients renew for a second engagement. The ones who don't usually hire someone from our team to run the project in-house.
We are a mental health charity and not tech-minded. We needed to improve our patient registration system but wanted a company that we can relate to. Hassan took the time to meet with me and patiently went through our process to find a personalised solution for us. Hassan's team did a great job streamlining our process and connected our registration system to our patient management software. Whenever we have a glitch, they resolve this quickly. Enigmatix Global provides a personal and efficient service and we have adopted them to be our IT provider.
Tien Kuei
CEO · Power to Live Foundation
I am writing to wholeheartedly recommend Enigmatix Global as a premier bespoke software development agency. Our journey with them has been nothing short of exemplary, far exceeding our initial expectations. While many agencies can develop based on strict specifications, Enigmatix Global demonstrated an incredible commitment to our project that was truly unparalleled.
Robert McPherson
Managing Director · RBM Global Ltd
Dragonfly has been working with the team at Enigmatix Global for several years now on building out our web-based platform and APIs. One of their strengths is quickly building out a multi-disciplinary team to work on the development and delivery of features with different technical requirements. Their support has allowed us to accelerate our development work without building an internal team. They have also worked seamlessly with other third parties both during the acquisition of Dragonfly and development of our mobile app. Enigmatix Global has been instrumental in bringing our ideas to life and providing guidance to help us make the best technical decisions. I would recommend getting in touch with them if you're looking for support.
Rebecca Palser
COO · Dragonfly
Finance · Frequently asked
Answers for financial services buyers.
Yes. Payment initiation and orchestration, ledger and reconciliation services, card and account management, and the integration work into ISO 20022 and SWIFT rails. We treat the ledger as the system of record and design every surface around it, because a payments platform that disagrees with itself is worse than one that is merely slow.
As a data problem with a regulatory deadline attached. Rules engines for the deterministic cases, models for the patterns rules miss, and a case-management surface analysts can actually work in. Every decision is explainable and logged, because an alert your compliance team cannot justify to a regulator is a liability rather than a control.
Yes. We contract through Enigmatix Global Ltd, our UK-registered entity, so the commercial relationship sits under English law. On delivery we work to the control expectations regulated firms carry: change management with evidence, segregation of duties, audit-grade logging, and a documented path from requirement to released code.
23 projects delivered in this sector. We staff engagements with engineers and delivery leads who've shipped in Financial services before. The domain literacy is learned, not looked up.
We work to PSD2, DORA, MiFID II, FAPI 2.0, PCI DSS, and the relevant local regulators. Every engagement starts with a compliance review so there's no ambiguity about which regimes apply. Every release ships with the audit trail your compliance team needs.
Yes. Most of our engagements connect to core banking, payment rails (ISO 20022, SWIFT), KYC/AML vendors, and trading venues. We adopt your existing integration patterns rather than imposing a new one, and we write data contracts before we write integration code.
We design for high-availability (three-nines-plus), audit-grade logging, and zero-downtime migrations from day one, not as a post-launch afterthought. Performance budgets, SLO commitments, and ops runbooks are written into the statement of work.
Either. Financial services engagements run under all three of our engagement models. Dedicated teams, offshore development centres, or embedded staff augmentation. We pick the shape that matches your operating model, not our preferred one.
Discovery typically runs two to four weeks from first call to signed statement of work. First-engineer start dates follow within another week or two. The exact timeline depends on the shape and on the clearance or onboarding your environment requires.
Still wondering something?Book a 30-min call
Start here
Let's build
from here.
Thirty minutes with an engineer who builds. No sales, no drip campaign. If we're the wrong fit we'll tell you and point you somewhere better.