FinTech software, built for the rulebook your buyers read first

Yours. Zulbera is a software studio — we build the technical product. We architect for licence-holders, BaaS-backed founders, and authorised payment institutions, but we are not a regulated entity. We work alongside your compliance officer or recommended advisors when the engagement needs it.

Railsr, Modulr, Swan, Solaris on the European side. Stripe Treasury, Unit, Treasury Prime on the US side. Truelayer, Yapily, Nordigen, Plaid for Open Banking aggregation. We default to the provider whose licence, geography and product mix match your roadmap — not whichever has the slickest docs.

Default architecture keeps you out of scope: card data hits the tokenisation gateway (Stripe Elements, Adyen Drop-in, Checkout Frames) and never touches your infrastructure. When scope is unavoidable — for example, building a card programme — we design segmented PCI environments with the minimum surface area an auditor will accept.

DORA applies to financial entities in the EU from January 2025, and to their critical ICT third parties. For startup fintechs that means an ICT risk framework, an incident register, third-party register, business continuity testing, and breach reporting hooks. We build the technical scaffolding (audit logs, incident pipelines, third-party inventories) so your compliance team can operate the policy layer.

16–24 weeks for an MVP with KYC, payments, and core product flows on top of a BaaS. 9–15 months for a production-grade platform with full compliance hardening, treasury, and the integrations enterprise buyers expect. Compliance work adds 30–50% to timelines vs an unregulated SaaS of equivalent complexity — plan for it from day one.

We have shipped products that have been through regulator-mandated technology reviews. We can prepare the architecture documentation, access controls, audit logs and resilience evidence regulators expect. We are not a Skilled Person ourselves — we operate as the technical team alongside the appointed advisors.