From account cores and credit decisioning to open banking and AI-driven risk, Stackera brings sector depth to every fintech engagement—so the product, the controls, and the data model are right before the first line of code, not after the first audit.
Mobile & web apps · Partner portals · Embedded widgets
Onboarding · Credit & limits · Pricing & fees
Decisioning · Fraud & AML · Assistants & agents
Accounts · Double-entry ledger · Positions
Sponsor banks · Card networks · Open banking
KYC / KYB · Audit trail · Reporting
Fintech began by unbundling the bank. It is now the layer banks, brands, and marketplaces run on—and the expectations placed on a fintech platform have compounded with each era.
2010s
Neobanks, robo-advisors, and P2P lenders take single products digital, winning on experience while renting the bank underneath.
2018
PSD2 and its successors make customer data portable. Aggregation, consent, and enrichment become product plumbing.
2020
Banking-as-a-service puts accounts, cards, and credit inside software and marketplaces. Fintech turns invisible—and partner-grade.
2023
Instant rails become table stakes while regulators tighten on BaaS, BNPL, and crypto. Controls evidence replaces good intentions.
Now
Models and agents move from pilots into underwriting, fraud, servicing, and compliance—where explainability and accountability decide what ships.
AI Transformation · Explainable underwriting
Speed up high-volume decisions with explainable outputs, human approvals, and an audit trail built in.
Can this application be approved within policy?
Each sector has its own financial model, integrations, and regulatory envelope. We have built, secured, and operated platforms across all of them.
Sector system
Account cores, cards, transfers, and multi-currency wallets on event-driven ledgers with partner-bank and card-processor integrations.
A core workflow, designed into the platform from the first release.
04
specialist workstreams
Product, data, controls, and operations aligned around the same platform.
Identity, events, and evidence move through one dependable system.
Product surface
Experience, controls, and data shaped around how this sector operates.
Whether the platform is six months or six years old, the same symptoms appear before the rewrite conversation does. If more than two sound familiar, it is time to talk.
Balances are computed from a single column, not a ledger, and reconciliation happens in spreadsheets.
Adding a currency, product line, or partner bank means touching the core.
Compliance evidence is reconstructed from exports when a regulator or sponsor bank asks.
Customers see 'instant' in the UI while money and notifications move on nightly jobs.
Every vendor—KYC, bureau, processor—is wired in a different, hand-maintained way.
A promising model is stuck in a notebook because nobody can explain, monitor, or govern it.
Approvals happen in chat, and customer funds and operating funds share the same accounts.
The roadmap waits on risk reviews the platform cannot pass on its own evidence.
A multi-chain analytics platform that turns fragmented blockchain activity into decision-ready market intelligence.
View Case StudyA multi-party computation wallet architecture for secure digital-asset custody, policy controls, and transaction approval.
View Case StudyConversational onchain research for wallet PNL, token analytics, top traders, and market movers across multiple chains.
View Case StudyFAQ
The questions fintech founders, CTOs, and compliance leads ask us most often before an engagement.
Digital banking and neobanks, lending and credit, wealth and investing, embedded finance and banking-as-a-service, open banking and financial data, and RegTech and compliance operations. Trading, exchange, and digital-asset work runs through our Web3 practice, and acquiring, issuing, and reconciliation through our Payments practice.
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