Banking Infrastructure Advisory
Your fintech has outgrown
its infrastructure.
We help you take control and scale it
We design, build and operate banking infrastructure for scaling fintechs, from strategy to execution.
The Infrastructure Shift
BaaS got you to market.
It doesn’t get you to scale.
Most fintechs launch on Banking-as-a-Service platforms to move fast. But as they scale, structural limitations emerge - and the question is no longer whether to internalise, but how to do it without breaking your business.
The path forward
What We Do
Three pillars of infrastructure transformation
We partner with fintechs at the most critical inflection points in their growth journey.
Core Banking Migration
Transitioning between core banking systems, without disrupting operations.
Core Banking Internalisation
Taking control of your banking stack, from ledger to payments.
Regulatory Readiness
Getting licensed, with the right operating model from day one.
Our Methodology
From dependency to control
A structured path designed to reduce risk at every step.
Phase 01
Infrastructure Assessment
Architecture review, vendor mapping, operational constraints, and regulatory perimeter analysis.
Phase 02
Target Architecture & Partners
Core ledger design, payment and card strategy, partner selection, and cost estimation.
Phase 03
Build & Integration
Full-stack implementation — ledger, payments, cards, compliance, and monitoring systems.
Phase 04
Migration Readiness
Data migration strategy, parallel runs, operational procedures, and risk mitigation.
Phase 05
Controlled Migration
Progressive customer migration waves, monitoring, reconciliation, and regulatory alignment.
Banking Infrastructure
The infrastructure you can’t outsource forever
We help you design, build, and integrate across every critical layer of the banking infrastructure.
Accounts
- IBAN management
- Customer accounts
- Reconciliation systems
Core Ledger
- Transaction ledger
- Balance management
- Accounting reconciliation
Payments
- SEPA SCT & Instant
- Direct Debit
- Clearing & settlement
Cards
- Card issuing
- Processor integration
- Lifecycle management
Compliance
- KYC/AML frameworks
- Fraud monitoring
- Regulatory reporting
Operations
- Onboarding
- Dispute management
- Operational continuity
Who We Are
Built by people who've done it before
Our team combines deep operational experience in fintech infrastructure with a curated network of banking specialists.
Julia Meyniel
Partner — Banking Operations & Strategy
10+ years in fintech and regulated financial services. Former Director of Business Operations at Kard, where she owned end-to-end banking infrastructure across sponsor bank, core banking, and payment partners. Early hire at Ledger.
Romain Durritçague
Partner — Engineering & Architecture
20+ years building tech in startups. Former VP of Engineering at Kard — led technical architecture, CBS integration strategy, and platform reliability at scale.
Eric Lassus
Strategic Advisor
Co-founder and former CEO of Treezor, acquired by Société Générale — the infrastructure behind Qonto, Lydia, Swile, and most of France's leading fintechs. 25+ years at the intersection of banking infrastructure, regulation, and fintech operations.
You don’t need another advisor.
You need operators
Every engagement starts with a scoping call. Let's understand where you are, where you want to go, and how we can help you get there.
Request a tailored perspective