The development partner for fintech founders who've been burned before. KYC, AML and licensing designed into the specification, not discovered in the audit. Senior team held on your account, and a clickable prototype of your product within 1 to 3 weeks of the first call.
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Our real "price": the prototype comes free with your project.
The build is a fixed quote, set after you've seen it. If we don't scope it right, it's on us.
"Yes, we can build that." To everything, instantly. Eight months and one funding milestone later, you're starting over. Our analysts will first tell you where your product breaks (the ledger, the KYC flow, the unit economics), then show you a working fix.
Payments, betting, lending, digital assets. KYC/AML, transaction monitoring and data residency have to live in the specification, not in a post-audit rework. We've assessed licensing routes commercially and run a six-figure MFSA process for a client as part of the build.
Open banking integrations, a smoother onboarding funnel, investor-grade polish before the next round, or a full re-architecture. We analyse what's worth keeping before we touch anything.
You can pitch the product to investors but can't audit the architecture. You need a partner who challenges your ideas and translates fintech complexity into decisions you can actually make, before a single line of code is written.
Who this is NOT for:
Idea-stage projects without funding, companies under ~€1M annual revenue, and anyone choosing a vendor on the lowest bid. We build mid-size and large products for founders who buy quality and certainty, not price.
Everything between "I have a product idea" and "it's live and licensed", all from one partner.
01 / DE-RISK
After the first call, our analysts pull your idea apart with ten hard questions. Within 1 to 3 weeks you're clicking through your product (onboarding, KYC step, core transaction flow) before you've signed anything long-term.
Show it to your board instead of a PDF proposal.
02 / SUBSTANCE
We research your product, market and competitors before the first call and arrive with improvement proposals, including the unit economics of your flows. Fintech gets built to survive contact with users and regulators, not just to match a spec.
The partner who challenges, not the one who nods.
03 / COVERAGE
Design, engineering and business consulting, plus legal through our partner law firm: licensing route assessment (which jurisdiction, at what cost), contracts, trademarks. For one betting client that meant evaluating Slovakia vs Malta and running the six-figure MFSA process end to end.
Launch-ready, not just code-complete.
Why we can move this fast (and keep it affordable):
We run our own delivery on the latest AI models and automation: research, analysis, prototyping and engineering, accelerated end to end. That means faster builds and lower cost for you. And the same AI and automation expertise gets built into your product, optimizing your processes and operating costs from day one.
Eight parameters that decide whether your build ships right the first time.
Proof before you commit
✗PDF proposal, estimate and a promise
Requirements capture
✗"Send us a spec", built exactly as written
Compliance & licensing
✗"That’s your lawyer’s department"
Team continuity
✗Seniors pitch, juniors deliver
Who you talk to
✗Account manager between you and the team
Design quality
✗Functional MVP-ware, polish billed later
Beyond the code
✗Code delivery, invoice, goodbye
Price (honestly)
€Local rates 2–3× higher, or offshore risk
Proof before you commit
✓Working prototype of your flows in 1 to 3 weeks
Requirements capture
✓Business-first analysis; analysts who push back
Compliance & licensing
✓KYC/AML in the spec; partner law firm runs licensing (MFSA case)
Team continuity
✓Senior cross-functional team held on the account
Who you talk to
✓Both owners on every deal + dedicated PM
Design quality
✓Investor-grade design: the product looks like the round you’re raising
Beyond the code
✓Business consulting, legal and marketing, A to Z
Price (honestly)
€Below London/NY rates for senior CEE talent
The short version:
Cheaper is available, from teams that build to spec without understanding fintech, which is how you end up rebuilding the ledger at month nine. One rebuild costs more than the difference; one compliance rework costs more than the build. The question isn’t "who’s cheapest", it’s "who do I never have to think about again".
Not an account manager. Not a sales team. The two people who own the company, on every deal, from first call to launch.
As featured in
Why software built by isolated programmers is pre-disposed to fail, and what "business context" delivery means.
A booking platform that pulls the offerings of dozens of cruise lines into a single search. Customers filter by destination, date and length in seconds instead of comparing offers of individual operators.
woyablue.com/
Live products you can click through today, not promises.
Tell us what you’re building in five sentences. We’ll come back with hard questions, honest compliance flags and a clickable prototype of your product within 1 to 3 weeks, depending on the complexity of your build. NDA on request. No booking calendars. We reply personally and find the time together.
No catch, just one condition. To start the prototype, you pay a deposit, which we agree on after our first qualification meeting. If you move forward with the full build, we credit 100% of that deposit toward your project, so the prototype costs you nothing extra. If you decide not to continue, the deposit covers the work on the prototype, and the prototype is yours to keep.
Ask how your last project started. If it started with a spec and an estimate, the outcome was predictable. Ours starts with analysts challenging your idea and a working prototype before any long-term contract: the two things that kill most failure modes early.
Central European engineers are among the most sought-after in the world. That’s who builds your product, at rates below London or New York. EU contracts, English-speaking owners on every call, and references like a Europe-wide travel platform and a six-figure Malta licensing process.
Mid-size and large engagements, typically from the tens of thousands of euros up, scoped fixed after the prototype. We’re rarely the cheapest offer and never the most expensive; we’re the one where the quote doesn’t grow mid-project.
You do. Full handover of code, documentation and IP is contractual. Investors and acquirers will ask, and the answer is clean. If we ever part ways, you take everything with you, including the specification and audit documentation.
Your choice: full handover to your team, or a long-term partnership for maintenance and next phases. Three of our clients took the partnership far enough that we now co-own companies together.
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