What the customer is doing01 / 06
They open it for the first time
Where it breaks
Nothing on the first screen says what this is in their words, so they decide it is not for them before they have tried it.
Financial Infrastructure
Everything that has to be true before the money moves.
A payment looks like one tap. Underneath it, identity, limits, ledgers, compliance and settlement all have to agree, in the same instant, every time. The same is true of a deposit, a loan repayment or a cross-border transfer. That layer is what we build, for the GCC, South Asia and Africa, and it belongs to you when it is done.
What the customer seesSingle tap
Send 1,250.00 AEDConfirm
What has to be true underneath
01
Identity and access
Get it wrong, fraud gets in, or real customers get locked out
02
Money movement
Get it wrong, the same payment leaves twice
03
The ledger
Get it wrong, money appears from nowhere, and nobody can say why
04
Compliance
Get it wrong, your licence
05
Settlement and reconciliation
Get it wrong, you find out at month end, from your bank
Eighteen moving parts, and all five layers have to agree in the same instant
KYC statusDevice trustSessionVelocity limitsValidationIdempotencyRoutingRail selectionDouble-entry postingAvailable balanceHoldsImmutabilitySanctions screeningAML monitoringAudit trailPartner settlementNostro positionBreaks
Starting point
Where you are decides what we build
A company without a licence, a company mid-application, a company licensed but not live, and a company running a ten-year-old core are four completely different builds. One of these is you.
Before the licence
“We have a business case and no licence yet.”
What we build
A working product and the architecture the regulator will ask to see, so your application is not a slide deck.
Licence in progress
“The regulator is asking questions we cannot answer on paper.”
What we build
The system, documented to the standard the audit expects, with data residency and audit trails in from day one.
Licensed, not live
“We have the licence. We do not have a product.”
What we build
The core, the app and the integrations, on a fixed scope, to a launch date you can hold us to.
Live on legacy
“Our core is a decade old and every change takes a quarter.”
What we build
The replacement, and the migration path that moves customers across without losing a transaction.
Capabilities
What we build
Seven systems. Each one is a different problem with a different way of going wrong, so each one is built and tested differently.
Core ledger and wallet
Double-entry, append-only, sharded for scale. Accounts, balances, transfers, holds and reversals, with a full audit trail on every posting. The transaction path stays short; everything else runs asynchronously.
Payments and interoperability
National switch and QR rail integration, card networks, alias payments by phone or ID, ISO 20022 messaging. Built for the rails your market actually runs on.
Savings and deposits
Goal buckets, term deposits and accrual running on the same ledger as everything else, so a balance is never two systems disagreeing. Including the statement, which is the part customers actually judge you on.
Lending and credit
Origination, scoring on transaction and alternative data, decisioning, disbursement, collections. API-first, so it plugs into the core banking systems your partner institutions already use.
Cross-border and remittance
Multi-currency ledger, FX and margin management, routing that picks the cheapest or fastest settlement rail per corridor.
Embedded finance
Payouts, wallets, stored value or credit inside a logistics, retail, marketplace or workforce business.
Compliance and security by design
KYC, AML and sanctions hooks in the architecture. Encryption at rest and in transit. Zero-trust between services. Data residency where the regulator requires it. Built toward the standards your licence will be audited against.
Product
Designed before it is engineered
The ledger is rarely what kills a launch. What kills it is the applicants who never finish onboarding, the rejection screen that gives them nothing to act on, the limit that blocks a transfer without naming which limit, and the support team that quietly becomes the product.
What the customer is doing02 / 06
They start the application
Where it breaks
The form asks for everything at once, including the things it could ask for later or work out on its own.
What the customer is doing03 / 06
The identity check
Where it breaks
Document capture fails on a low-end phone in bad light, and the only feedback is to try again.
What the customer is doing04 / 06
The decision
Where it breaks
An approval that takes days, or a rejection with no reason and no next step. To the customer those feel identical, and both feel like silence.
What the customer is doing05 / 06
The first transfer
Where it breaks
A limit blocks it without naming which limit, or the money sits in pending with nothing saying why, or for how long.
What the customer is doing06 / 06
The month after
Where it breaks
The statement cannot be read by the person it was written for, and the only way to resolve anything is to phone someone.
Why this comes first
Every line above is a design decision, settled before anything is built and tested with people who match your customers rather than your team. It is the cheapest part of the system to get right and by some distance the most expensive to fix once the product is live.
User researchOnboarding and KYC flowsError and content designDesign systemsAccessibilityUsability testing
Architecture
How it is engineered
Cloud-native, event-driven, domain-driven service boundaries, a database per service, streaming for settlement, reconciliation, notifications and reporting. Hybrid-cloud where data has to stay in-country. Observability from day one.
Transaction pathSynchronous
Validateschema, signature, limits
Idempotency checkno double charge
Commitappend-only, double entry
DR wallet:88121,250.00 AED
CR merchant:1041,250.00 AED
Acknowledgedthe customer sees instant
Then, asynchronously
SettlementReconciliationAML screeningReportingNotifications
The synchronous path stays short and deterministic, so the customer experience is never held hostage to settlement finality. Everything that can wait is moved onto the event stream, where it can be retried, audited and replayed.
Architecture is led by an engineer who has built core banking and trading systems. We state targets, not trophies: throughput and latency are benchmarked under load, per engagement, before anything is called done.
GoEvent streamingSharded ledgerISO 20022Zero-trustHybrid cloud
Ownership
What you own
Everything below. Not a licence to use it, not access while you keep paying. It is itemised here because ownership is the one promise a client cannot check by reading a sentence.
Source code
Every repository, with its full commit history, in an organisation you control.
Infrastructure as code
The environment rebuilds itself from the repository. Nothing was configured by hand.
Architecture and data model
Written down to the standard your next engineer, or your auditor, will ask for.
Runbooks
What to do at three in the morning when a rail goes down, written before it does.
The test suite
Unit, integration and load, so the next team can change things without guessing.
Design files and system
Components, tokens and flows, not flattened screenshots of a finished app.
Accounts and credentials
Cloud, registries, domains and certificates, all issued in your name from day one.
Third-party contracts
Vendor and rail agreements signed by you, not resold to you through us.
Transfers to you
No licence fees, no per-transaction cut, no lock-in, and nothing white-labelled underneath. If you replace us the week after launch, everything above still works.
Contact
Building something that has to hold up?
Tell us what it is. The first conversation is free, and you will have a number before the second one.
No cost to talk
The first call and the scoping conversation are free.
Dubai, GMT+4
A lead in your timezone, on your calendar, not a shared inbox.
A reply within a day
Or write directly to info@7billion.ae.