Fintec Studio — Fintech consulting & build studio · Benchmarked Group
Boutique fintech consulting + build studio

The infrastructure behind money that moves, verifies and settles.

Fintec Studio designs and ships payments, wallets, identity and digital-asset systems for banks, PSPs, cities and wealth managers. Senior architects who have worked with every major scheme, processor and banking SDK for more than a decade.

Book a scoping call See case studies →
Customer completing biometric identity verification on a phone
{{ pulseDot }}auth trace · tokenized wallet tapISO 8583
TOKENeKYC + device token+18 ms
RISKOffline score · ACL check+41 ms
0100Scheme routing · cEMV+141 ms
0110Issuer · DE39 = 00 approved+213 ms
LEDGERBalance hold · loyalty accrued+231 ms
PAN never storedend-to-end 231 ms
Built with & for
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Building payment, identity and mobility systems Regulated payment volume scaled by our leadership Payment terminals still live from one wallet deployment Monthly active users on the VALÚ mobile wallet
The platform

One studio. Five systems, designed end to end.

Modular building blocks for transactions, identity and access. Use one, or wire them together into a single platform your bank, city or PSP owns.

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Solutions

Built for the institutions that move money.

Consulting, technical advisory, vendor management and development — custom code only where it is needed. One collaboration model across four kinds of client.

Why now

Citizens expect simplicity. Institutions face fragmentation.

Banks, cities and operators need a shared platform strategy — designed for interoperability, compliance and the people who actually tap, pay and sign.

Fraud in fare & payment systems7–10% of revenue lost to fare evasion and transaction fraud
Bank wallet under-use>60% of telco- or bank-backed wallets see under 10% monthly active use
Loyalty fatigue<25% of urban users actively engage with municipal loyalty programs
Wallet disintegrationWallets siloed between telecoms, banks and city services
Fragmented mobility & ticketingInefficient transit networks and low adoption of multimodal services
Case studies

Systems still running years after we shipped them.

Mobile wallet Slovenia → UAE

VALÚ: a hybrid online-offline wallet, before neobanking existed.

With Margento and Telekom Slovenije — the largest telco in the Adriatic region — we helped shape a micro-transaction wallet that keeps working in low or no connectivity. Users top up, then spend at transit validators and POS; reconciliation is deferred until the device reconnects. The same solution was later deployed in the UAE.

100kMonthly active users
30k+Terminals, still active
2015Live since
VALÚ ecosystem: prepaid, credit and bank accounts feeding a wallet that serves loyalty, ticketing, coupons and smart-city services
Margento contactless transit validators with NFC, BLE and EMV acceptance
cEMV transit · Ljubljana

Urbana City Card: tap-to-ride with open and closed loop

Defined the cEMV architecture, offline-first processing and end-of-day fare aggregation for multimodal transit — PCI DSS compliant, integrated with Switchio and the operator back office.

With Margento, Municipality of Ljubljana, Switchio, Finaro, Mastercard
Spixi secure messenger app screens
Post-quantum · DLT

Spixi: quantum-safe peer-to-peer messaging

Implemented FIPS 203 ML-KEM (CRYSTALS-Kyber) hybridised with ECDH on the open-source Ixian DLT — a fully P2P mesh-encrypted messenger with 15,000 monthly active users.

FIPS 203 · Kyber · Dilithium · EuroQCI-aligned
AI helper chat for a wealth-management client showing portfolio overview
Wealth management · AI

WM Intelligence: the advisor meets an AI copilot

A middle layer that normalises custodian and CRM data, one-click service requests, and a privately deployed AI assistant that answers clients and handles beneficiary and bank changes.

Salesforce · Schwab · Axos · React + GraphQL
AI helper interface on a phone
AI intelligence layer

Private. Personalised. Auditable.

An AI copilot for advisors and operations teams, deployed in your own container and trained on your knowledge base — so client data never leaves your perimeter.

01Handles service requests — beneficiaries, bank changes, contributions, withdrawals
02Answers client questions on IRA limits, portfolios and retirement planning
03Calculators, charts, document previews and scheduling — all inside the chat
04Compliance guardrails, full audit trail and document archive by default
Request the WM Intelligence brief →
Security & compliance

Pass the audit and the load test.

Our risk and fraud framework was built for micro-transactions and offline payments — where the network is not there to save you.

Detect

Intelligent risk detection

Real-time monitoring of repeated declines and abnormal patterns. Offline risk scoring at the validator. First-tap account verification for new or dormant cards.

Protect

Tokenised architecture

No PAN or sensitive data stored — only tokenised EMV identifiers. Encrypted flows end to end, HSM-backed key management, segmented CDE.

Sync

Dynamic list management

Devices run offline-first with local black and white lists. Incremental sync keeps them current; batch updates enable fast recovery and clearing.

Recover

Automated debt recovery

Automated retries for failed balances, plus manual and hybrid back-office workflows for closed- and open-loop environments.

PCI DSS v4.0 ISO 27001 FIPS 203 PSD2 · SCA MiCA KYC / AML EMV · cEMV Travel rule
How we engage

Senior people. Fixed scope. Working software.

Weeks 1–2

Scope

Flows, vendors, licensing and compliance scope mapped. You get an architecture and a costed plan.

Weeks 3–10

Build

Integrations, ledger, risk and back office built by our engineers next to your team.

Certification

Certify

Scheme certification, PCI evidence, penetration testing and go-live readiness.

Run

Operate

Handover with runbooks, or ongoing support with 24/7 SOC coverage.

Team

The people on your build.

Matt Baškovč
Matt Baškovč, MBA Founder & CEO, Benchmarked
2 founder exits$1.2B+ regulated payments scaledISO 27001 Lead Auditor · fractional CISO
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FAQ

What clients ask before the first call.

Start a project

Tell us what has to move, and how fast.

A 30-minute call with a senior architect. We will tell you what it takes, which vendors fit, and what your compliance scope looks like.

Received

Thank you — we have your message.

A senior architect will reply within one business day from a benchmarked.co address.

Talk to us

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