Neobanks, brokers, exchanges, custodians - we ship beautiful compliant platforms that move real money.
Selected Work
Exchanges, brokers, lending desks, staking, arbitrage — the clients are anonymous. The outcomes aren't.
DERIVATIVES EXCHANGE · 2019
Derivatives exchange built end-to-end. Spot, perps, single-digit ms matching.
HFT exchange platform from scratch — matching engine, risk system, position keeper, settlement layer. Cross-region failover and a complete order audit log.
FX BROKER PLATFORM · 2023
FX broker platform built end-to-end. Crypto rails native from day one.
Full broker stack from scratch — OMS, risk engine, deposit and withdrawal rails, reporting. A JIT-forwarder design kept crypto outside the dealing license.
CRYPTO LENDING · 2019
$6M loan book. Zero defaults across 14 months.
Centralized lending desk for secured digital asset loans. Continuous collateral monitoring across BTC, ETH, and TRON, with automated margin calls and liquidations.
COPYTRADE & SOCIAL TRADING · 2023
20k follower events a day. Zero settlement incidents in 18 months.
Leader signals propagate to follower accounts in real time. Position sizing, fee splits, and risk caps applied automatically on every fill.
ARBITRAGE BOT · 2021
Triangular arb across the deepest-liquidity venues. 11ms median execution.
Cross-venue execution bot running spatial and triangular strategies. Operated against Binance, Huobi, Kraken, Gate, and FTX (pre-collapse).
EARN & STAKING PROGRAMME · 2020
Earn-and-staking programme built end-to-end. $30M staked over 22 months.
Earn-and-staking platform designed and built end-to-end for a regulated client. Validator selection, rewards, and unbonding all handled internally — one balance, one dashboard.
What we ship
Most projects start with the diagnostic. Some skip to the build — if you've already scoped it.The difference is whether you're starting fresh or inheriting something.
Entry · Service
$25,000 · 2 weeks
Two weeks. Four deliverables. One fixed price. Reference architecture, jurisdiction memo, threat model, and a fixed-scope build estimate. You keep everything either way.
Expansion · Service
From $80K · 3–6 months
The full build, scoped from your diagnostic. A senior engineering team owns it end-to-end. Working software in week two. Weekly milestones. Fixed scope.
Continuation · Service
From $15K/mo · By invitation
Senior engineering ownership after launch. One dedicated senior engineer — not a ticket queue. On-call response, quarterly reviews, regulatory advisory. Reserved for clients we've already shipped with.
By invitation only
Parallel · Product
from $1.5k/mo · 2 weeks
Deposit infrastructure for TRON, EVM, BTC. JIT-forwarder contracts, xpub-derived addresses, sub-second detection. Self-serve. Originally built for our own client deposits — now available standalone.
Compliance
KYC, sanctions screening, on-chain monitoring — wired in from day one, not bolted on after launch.We've integrated the major compliance vendors across APAC and EU jurisdictions, and we advise on what regulators will actually accept.
Integrations we have shipped or evaluated
Integration · Service
From $45,000 · 4–6 weeks
The compliance stack your jurisdiction requires, wired in and tested. Vendor selection, integration, and an operations dashboard your team can actually run.
Ongoing · Retainer
From $6K/mo · ongoing
Live coverage after launch. Rule updates as regulations move, flagged alerts with a response commitment, and a quarterly readiness review your auditor can read.
Vendor license fees (Sumsub, Chainalysis, TRM Labs, Crystal, World-Check One) pass through to the client at cost. Jurisdictional applicability is scoped per engagement.
Vendor license fees pass through at cost. Jurisdictional applicability scoped per engagement.
How we think
Most founders make this decision with a vendor in the room. You shouldn't have to. The table below is the same framework our diagnostic uses — judgment first, vendor-neutral, scoped to your actual constraints. Use it whether or not we work together.
Custodial MPC vendor
Fireblocks, Cobo, BitGo, Safeheron
Non-custodial deposit infra
JIT-forwarder + xpub (our WaaS)
In-house engineering
Hire and build with your own team
Applies to platforms that pool and collect deposits on behalf of users — exchanges, brokers, neobanks, custodians. DeFi protocols and embedded wallet products (Privy, Web3Auth) are a different architecture.
We won't sell custody to platforms that don't need it. We won't build infrastructure we believe you shouldn't be running.
Why we exist
I started this firm because money is the one product no one opts out of — and yet only a third of people find their bank app unique. Finance has fewer moves than any industry: save, send, spend, borrow, invest. Each one deserves to feel like something, not just functional.
Crypto cracked the design ceiling. The lines between traditional and decentralised finance are blurring. The future of finance is open and permissionless through transparent savings and credit for anyone with a phone, without discrimination.
That future starts with delightful crafts in finance. So we're building them.
— Matthew Prag, Founder
5
core banking features are what most banks focus on — social commerce ships dozens
Banking apps cluster at 3–7 core actions: balance, transfer, deposit, pay bill, invest. Social and commerce platforms ship dozens — live-streaming, social reviews, gamified rewards, AI-driven discovery. Most banking “advanced” features rate as merely average to 60% of users.
Consumer Reports 2024 · Unblu 2026 · ResearchGate 2025
30%
of UK ISA holders go beyond cash, the rest just save
Only 5.4M of 17.9M ISA holders hold stocks & shares. The other 12.5M sit in cash — not by preference, but because no app made the upgrade feel worth it. The design gap between saving and growing is a product failure, not a user one.
Lloyds Banking Group, 2026
8.41%
APAC retail wealth CAGR — fastest growing, yet < 15% active in growth products
HNWIs hold 42.74% of the $27.57T APAC wealth market, but retail is the fastest-growing segment at 8.41% CAGR. The gap: most retail wealth sits in deposits and property. Superior mobile experiences are the unlock — not product availability.
Mordor Intelligence, 2025
<10%
of users in developing economies grow their money — even as 75% hold an account
75% have an account → 62% use it to move money → 40% use it to save → <10% use it to grow money. The funnel breaks at the last step. Mobile-first apps like TnG eWallet (Malaysia) are closing the gap through superior experiences, not superior products.
World Bank Findex, 2024