About
We architect the liabilities.
Processing is a commodity. Structure is the asset. We design payment stacks that align incentives between engineering, finance, and your banking partners.
Our Stance
We do not touch the money. That is why you can trust the architecture.
Processors want your volume. We want your system to survive. By refusing to process payments, we retain the neutrality required to audit your partners, challenge their constraints, and enforce your controls.
Define the hard constraints
What we do
Design the state machine
Explicit definition of success, failure, pending, and the dangerous transitional states.
Align the handshake
Who owns the risk at the millisecond the API call fails? We write the rules that answer that question unambiguously.
Make it provable
Design data models and audit trails that satisfy the CFO and the regulator without strangling product velocity.
Who we work with
Teams running complexity.
Payments and product
When structure, coverage, or provider strategy is changing.
Engineering
When interfaces, ownership, and failure handling need to be explicit before build.
Finance
When reconciliation, references, and break handling affect close and audit.
Risk and compliance
When controls and evidence must be defined across parties.
Banks and providers
When alignment is required on constraints, responsibilities, and escalation paths.
How we engage
Engagement pattern
Start with constraints
We begin by surfacing the non-negotiable boundaries (regulatory, contractual, and operational) before any design work begins.
Map every dependency
Banks, PSPs, schemes, rails, internal systems. We identify failure paths and contractual obligations early.
Leave decisions runnable
The output is not slides. It is configuration, state diagrams, and control matrices your engineers can implement directly.
Next
Bring the constraints.
A short conversation is usually enough to see where structure is missing.