A European investment platform for SME business loans, operating under a licence supervised by the Bank of Latvia and the EU Markets in Financial Instruments Directive. We built the whole product — the crowdfunding engine, the frontend, the backend and the cloud it runs on.
Off-the-shelf crowdfunding software stops working the moment a regulator is involved — you cannot patch an audit trail onto a platform that was not built for one. So we built the engine ourselves: the ledger that tracks investor money, the logic that allocates it to loan claims, and the reporting that has to reconcile exactly. The frontend, backend and cloud infrastructure are ours too.
There was no vendor boundary to hide behind: the same team owned the money logic, the interface an investor sees and the infrastructure it all runs on. In a licensed product that is an advantage — when a number has to be explained to a regulator, nobody has to go and ask a third party where it came from.
Custom core — investor ledger, allocation to loan claims, and reporting that reconciles.
The services behind onboarding, verification and money movement.
Investor-facing platform: overview, portfolio detail and loyalty tiers.
Infrastructure, deployment and the reliability a regulated platform is judged on.
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