[ Fintech engineering ]Index / 2026

We buildpayment systems, crypto exchangesand wallets turnkey.

For businesses that want to own their financial infrastructure: six platforms, from an exchange to a payment aggregator — integrated with banks and blockchains, compliant from day one. We launch the platform, and your company runs the payments — under its own licences.

PAYMENTOK
Method•• 2026
RouteAcquirer B
3-DSPassed
Risk0.02 Low
TOTAL240.00
Black and turquoise white-label bank cards with the Payweb symbol
payweb · nowTRC-20
USDT received+1 120.00
3-DS passed
02 — Turnkey fintech

Not a template. Not a box of code. A working financial product, engineered around your model — and still running long after launch.

/01
ArchitectureA secure, high-load core designed around your business model.
/02
IntegrationsBanks, PSPs, card networks, blockchains and liquidity providers.
/03
ComplianceAML/KYC flows, PCI DSS readiness and certification support.
/04
SupportMonitoring, updates and new features long after go-live.
01 — Platform index

Six platforms.
One engineering team.

Each platform ships as a base you brand, extend and certify. Click a row to open its modules.

No.Platform
Card paymentsPayment processingVirtual accountsMass payoutsAnti-fraud toolsInternet acquiringPayments by bank detailsCBDC-ready core
01 Platform / Payments

Payment system

Accept cards, issue virtual accounts, run mass payouts and screen every transaction — on a core you own.

01Card payments
02Payment processing
03Virtual accounts
04Mass payouts
05Anti-fraud tools
06Internet acquiring
07Payments by bank details
08CBDC-ready core
9:41
yp
yourpay · MerchantCoffee Lab LLC · ID 40912
MERCHANT BALANCEBYN ▾
12 480.00▲ +2 340.00 today · 38 payments
Top upPay outLink
CONVERSION96.4%
ANTI-FRAUD2 held
Recent paymentsAll
Visa •• 4821Card · 3-DS · 14:02
+240.00SETTLED
ERIP · QRInvoice #20931 · 13:47
+58.90SETTLED
Bank transferBy details · 13:10
+1 200.00PENDING
Mastercard •• 0912Risk 0.81 · 12:58
96.00HELD
MASS PAYOUT48 recipients · sent
PCI DSS ready
Invoice #2093114:59
250.00 USDT
TRC-20ERC-20BEP-20
TQx9w…R84fKdCopy
Waiting for payment · auto-convert to BYN
STATIC ADDRESSAssigned per customer
02 Platform / Crypto

Crypto payments

Take crypto from customers, settle in the currency you choose. Conversion, addresses and fiat settlement handled for you.

01Auto conversion & settlement
02Flexible fee policy
03Static wallet addresses
04Low network fees
05OTC & fiat settlement
06Multiple coins and networks
03 Platform / Trading

Crypto exchange

A high-load exchange with P2P, spot and margin, liquidity aggregation and a trader API — under your brand.

01P2P platform & custody
02Spot & margin trading
03Listing management
04Mobile app
05Liquidity aggregation
06Trader API
07Frontend: custom UI, WebSockets
08Backend: PostgreSQL, Laravel
BTC/USDT+2.14%
64 210.5
SpotMarginP2P
PRICEAMOUNT
64 238.00.412
64 231.51.080
64 226.00.250
64 219.50.906
64 214.00.133
64 210.5 ↑
64 206.50.640
64 201.01.320
64 195.50.305
64 190.00.772
64 184.50.198
BuySell
LIQUIDITYAggregated from 3 venues
Exchange
YOU SEND
1 000.00USDT
⇅
YOU RECEIVE
3 270.00BYN
1 USDT = 3.27 BYN · rate fixed 15 min
✓ Order created
✓ Payment received
3 Payout to card
Confirm exchange
RATESAuto-synced to monitors
04 Platform / Exchange office

Exchanger

An online exchange office with rate automation, cash desk, instant orders and integrations with rate monitors.

01Manual & automatic rates
02Cash desk module
03Mobile app
04Automation service
05Instant orders
06API integration
05 Platform / Wallet

Wallet

One app for fiat and crypto: balances, card transfers, in-app exchange and everyday service payments.

01Multi-currency balances
02Transfers to Visa / Mastercard
03Internal & external transfers
04In-app exchange
05Service payments
06Multiple networks
9:41
AK
Good eveningAlex Kovalenko
TOTAL BALANCEUSD ▾
$4 920.18▲ +$182.40 · 3.8% today
1H1D1W1M1Y
Send
Receive
Swap
To card
AssetsSee all
TRX
Tether2 140.00 USDT
$2 140.000.00%
BTC
Bitcoin0.0214 BTC
$1 374.10▲ 2.14%
ERC
Ethereum0.31 ETH
$966.64▼ 0.62%
VISA
Belarusian ruble1 430.00 BYN
$439.44▲ 0.10%
TO VISA •• 4821$250.00 delivered
Fiat · crypto · cards
06 Platform / Routing

Payment aggregator

Connect many providers through a single API and route every payment to the best channel — by cost, conversion or availability.

INCOMINGdemo traffic
Checkoutweb
Mobile SDKiOS / Android
Payment linksshare
Merchant APIREST
14:02:11Checkout → Acquirer B14:02:09SDK → Acquirer B14:02:04Links → ERIP
SMART ROUTER · DEMOOne API.
Every provider.
costconversionuptime
Rules pick the provider per payment; failed attempts retry on the next route automatically.
PROVIDERSillustrative fees
Acquirer Acards · 1.9% standby
Acquirer Bcards · 1.4% routed
ERIPbank · 0.9% standby
Crypto railUSDT · 0.3% standby
Example providers and fees — configured per project.
01Single API for all providers02Smart routing03Merchant dashboard04Split payments05Reconciliation & reports06White-label checkout
03 — Process

From idea to a working service.

Fintech is not just software — it's a system of processes, security and responsibility to users. We run every stage, so each decision at the start holds up at scale.

TIMELINEScoped per projectAgreed after discovery, with milestones.
TEAMDedicatedArchitect, engineers, QA, compliance lead, PM.
YOU RECEIVESource & docsCode, infrastructure, API docs, admin training.
AFTER LAUNCHSLA support24/7 monitoring, updates, new features.
Indicative figures — confirmed per project scope.Get a scope estimate
paywebPROJECT RECEIPT · NO. 0001
01DiscoverySCOPE
Business model, markets, licences and required integrations.
02ArchitectureSPEC
Technical design, security model, infrastructure and plan.
03Build & integrateBUILD
Development, bank / PSP / blockchain integrations, testing.
04ComplianceAUDIT
AML/KYC flows, PCI DSS and GOST R 57580 preparation.
05Launch & supportLIVE
Go-live, 24/7 monitoring and continuous development.
TOTALYour financial service
PAYWEB.BY
The Payweb team at workPAYWEB — TEAM FILMVIDEO NOT YET AVAILABLE
FILM IN PRODUCTIONThe team film will appear here once it's ready.
Team film — coming soon

Building fintech is hard. That's the point.

A financial service touches money, data and regulation at once. Architecture, security, integrations and support all have to work together — that's why we treat every project as a product, not a codebase.

04 — Infrastructure & compliance

Compliance by design.

Security and regulation are part of the build — not a checklist added before launch. We prepare your service for audit; certification itself is obtained by your company.

★ READY FOR ★PCI DSSCARD DATA
★ ALIGNED WITH ★GOST R 57580FIN. SECURITY
★ BUILT-IN ★AML / KYCONBOARDING
★ DESIGNED FOR ★Personal dataPROTECTION
HostingTier III-class data centres, chosen per project
DeploymentCloud, private cloud or on-premise
ProtectionDDoS mitigation, WAF, encrypted storage
Monitoring24/7 uptime and transaction monitoring
ArchitectureMicroservices, horizontal scaling, high load
05 — Partner banks & providers
Bakai Bank
Kaspi.kz
mbank
International Bank of Tajikistan
Moneta
CloudKassir
OFD.ru
SKB Kontur
ATOL
06 — Contact

Send us arequest.

Fill it in like a transfer. We reply with questions, a rough scope and next steps.

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