Financial products that stand up to regulation — and go live in about 90 days.

Yes — we've been building products in regulated environments since 2017: a BaFin-regulated investment platform (Bitalo), Germany's first BaFin-approved real estate STO (Fundament), and tokenization platforms since 2019. Your lawyers handle the legal advice — we translate the requirements into technology: KYC flows, audit logs, documentation duties, access control. For us, compliance is part of the data model and the architecture, not a patch applied shortly before launch.

Yes. KYC providers, payment service providers, custodian banks, CRM — we connect to the systems you already work with instead of replacing them. Where a banking license is required, it stays with you or your institutional partner: we deliver the technology, you provide the regulatory foundation. In the Potential Analysis, we go through your system landscape and tell you specifically what can be connected and how.

Hosting is in the EU, GDPR-compliant, on accounts owned by your company. On top of that: encryption in transit and at rest, role-based access control, and audit logging for every relevant action — non-negotiable when financial data is involved. At any time, you get a full breakdown of every service in use and its running costs: there's no lock-in that only we can undo.

The quote costs you nothing: in the free Potential Analysis, we clarify the idea, its feasibility, and the regulatory requirements. You then receive a written fixed-price quote with scope and launch date — once you sign, that number doesn't move, no matter how many hours we put in. Anything you want later, like an additional module or a new integration, gets its own quote.

For us, AI speeds up writing code, not making decisions. Architecture, data model, and reviews are handled by a human who has been building software for nearly ten years — and in financial products especially, what counts is that every line is traceable and passes the same tests and standards as hand-written code. That way of working is what makes the fixed price and the roughly 90 days possible in the first place — and it's publicly documented in our book (vibecodingbuch.de).

You do, 100%. Source code, credentials, documentation, and the hosting and service accounts all run under your company's name — in a due diligence or a conversation with the regulator, you don't have to ask anyone's permission. We keep running the product after launch, but a complete handover is possible at any time: if you never hire us again, you're not missing a thing.