Taking Payments Into the Future

Legacy and modern payment schemes like Wero, SEPA Instant, and card networks in a single and unified ecosystem, while preparing for future CBDCs. Sounds unrealistic? We want to be your trustable partner to co- design a suitable strategy and solution for your unique needs.

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Building the Future of Payments, One Layer at a Time

From seamless integration to AI-driven intelligence, we help you modernise your payment infrastructure while preparing for what’s next — digital currencies, real-time rails, and customer-centric ecosystems.

Wero is just the beginning. Our experience & solutions integrates multiple schemes across Europe and beyond — real- time A2A payments, cards, and digital currencies — all under a consistent, orchestrated architecture.

Instant domestic and cross- border payments
Dynamic routing, failover, and compliance logic
Real-time visibility and traceability
Wero-ready architectures — built for European innovation

Comprising the payment persona, merchant, issuer and acquirer, our approach for the Four Corners Payment Model combines interoperability, legacy system integration and omnichannel services. This integrated approach unlocks a truly unified payment experience, promoting efficiency and convenience for all stakeholders.

Integration is Key

CBDCs and the Digital Euro are reshaping the future of money. We work to build solutions with native support for programmable money, digital identity, and regulatory compliance — ensuring your business stays ahead.

CBDC sandbox integration and simulation
Support for tokenised payments and digital wallets
Regulatory- aligned data and consent models
Flexible ledger and wallet architecture

Our knowledge in distributed systems development and integration across organisational and regional boundaries enables our ability to help financial institutions getting ready for the introduction of the Digital Euro.

Unlocking Digital Currencies

Modernisation isn’t about one- shot technology replacement — it’s about evolving what works and progressively replace what doesn't. Our architecture and approach bring performance, resilience, and modularity to legacy environments.

Progressive modernisation for seamless transitions
API-first, event- driven orchestration
Containerised deployment and cloud- ready by design
Low- code/no- code tools for faster adaptation and process improvement

Our teams specialise in understanding your specific context and main goals, enabling the formulation of a complete journey from legacy technologies to innovative solutions and ensuring a smooth transition from one to the other.

Modernising the Technology

Artificial intelligence isn’t a feature — it’s embedded across the payment lifecycle and integrated ecosystems. From smart routing to fraud detection and reconciliation, AI drives intelligent automation and insight.

Real-time risk scoring and transaction analysis
Predictive cash fl ow and settlement forecasting
Automated exception handling and resolution
Personalised experiences and behavioural insights
Open banking and PSD2/PSD3 compliance

Prioritising a customer- centric journey not only facilitates improvements to user experience but also fosters innovative cross-selling, embedded finance opportunities and the necessary ecosystem for them to grow, while simultaneously ensuring reliable and streamlined transactions.