Compliance Ready:
End-to-End Engineering,
Without Compromises.
From first wireframe to live infrastructure, we cover every discipline an enterprise product requires, under one accountable team.
UX & Product Design
Research-led design that translates complex requirements into intuitive, accessible interfaces.
Enterprise Software Engineering
Custom platforms built for scale, security, and long-term reliability, from complex backends to high-traffic products.
Compliance Engineering
Building to SOC 2, HIPAA, ISO 27001, GDPR, and PCI DSS from day one, not retrofitted. Your systems are audit-ready from the first sprint.
Human Expertise,
AI Velocity.
We don't choose between speed and quality. Our model embeds senior engineers alongside AI tooling to deliver enterprise-grade outcomes, faster.
3× faster delivery than traditional enterprise teams without sacrificing reliability or compliance.
Built for the
Most Regulated Industries.
Whether you operate in finance, healthcare, or government, your software must meet the highest standards. We engineer with compliance frameworks embedded from the ground up.
Internal Tools & Ops Systems
Admin dashboards, workflow engines, approval systems, audit logs
View all: Work & enterprise →AI Automation Systems
AI agents, document processing, decision automation
View all: Work & enterprise →Secure APIs & Platforms
Partner APIs, role-based access systems, multi-tenant SaaS
View all: Work & enterprise →Data & Analytics Systems
Reporting dashboards, pipelines, compliance tracking systems
View all: Work & enterprise →Audit-Ready Engineering.
Every Sprint.
We work with your legal and security teams to ensure every data flow, access control, and integration meets the letter and spirit of applicable regulations.
Compliance checks integrated directly into CI/CD pipelines
Complete audit trails across every action, change, and deployment
Role-based access control across systems and environments
End-to-end encryption enforced by default (data at rest & in transit)
Continuous vulnerability scanning with remediation workflows
Audit-ready documentation generated alongside development
A Process Built for
Enterprise Scale.
Structured, transparent, and designed to integrate seamlessly with your existing governance and procurement workflows.
Discovery & Scoping
We embed with your stakeholders to define requirements, map user needs, and identify compliance obligations before any design or code begins.
Architecture & Design
Our designers and senior architects work in parallel - producing user flows, high-fidelity interfaces, and a full technical specification, all signed off before build begins.
Build & Validate
Iterative, sprint-based delivery with continuous integration, automated testing, security scanning, and human review at every stage.
Deploy & Operate
Monitored deployment, SLA-backed uptime, incident response protocols, and ongoing engineering support, we remain accountable beyond go-live.
Unified audit trail across all modules
No single view of compliance status
Users need live status - not report export
Discovery & Scoping
We embed with your stakeholders to define requirements, map user needs, and identify compliance obligations before any design or code begins.
Architecture & Design
Our designers and senior architects work in parallel - producing user flows, high-fidelity interfaces, and a full technical specification, all signed off before build begins.
Build & Validate
Iterative, sprint-based delivery with continuous integration, automated testing, security scanning, and human review at every stage.
Deploy & Operate
Monitored deployment, SLA-backed uptime, incident response protocols, and ongoing engineering support, we remain accountable beyond go-live.
Unified audit trail across all modules
No single view of compliance status
Users need live status - not report export
Systems We've Engineered
Real systems built for regulated environments - designed to handle scale, compliance, and operational complexity.
Building Pylon - AI-Native Insurance Operations from Prototype to Production
Replaced fragmented policy spreadsheets and disconnected claims tools with a unified AI-driven workspace, designed and shipped in 8 weeks via clickable AI prototype.
Helio - Smart Solar & Storage App with IoT Sensor Network from Prototype to Production
Built a consumer iOS and Android app for solar generation, battery storage, EV charging and smart-home device control - backed by an IoT sensor network and AI optimisation engine. Shipped from clickable AI prototype to App Store in 16 weeks.
Clinica - Multi-Department Clinic Operations Console with AI Assistant
Built a multi-department clinic operations console with appointment management, department load tracking, staff performance, resource utilisation and an AI assistant for staff queries - shipped from clickable AI prototype to production in 14 weeks.
ChainFlow - On-Chain Lending, Borrowing and Swap Console from Prototype to Production
Unified supply, borrow, swap, vault staking and portfolio analytics into a single multi-chain console - shipped from clickable AI prototype to production in 8 weeks.
CryptoTax - FIFO Tax & PnL Reporting Engine for Retail Crypto Investors
Built a tax and portfolio reporting platform that ingests transactions from 30+ exchanges and wallets, computes FIFO cost-basis, and generates IRS Form 8949 + Schedule C in one click - shipped from clickable AI prototype to production in 10 weeks.
EnerWise - Whole-Home Energy & Smart Device Mobile App
Built an iOS and Android app that ingests live device-level consumption from a circuit-clamp IoT sensor network, surfaces AI insights and runs smart-control automations across appliances - shipped from clickable AI prototype to App Store in 12 weeks.
NovaWallet - Multi-Chain Self-Custody Mobile Wallet
Built an iOS and Android self-custody wallet supporting BTC, ETH, LTC, XRP and AVAX with one-tap send, receive and swap, plus a clean activity feed - shipped from clickable AI prototype to App Store in 8 weeks.
VaultGo - Self-Custody Onboarding & Recovery for First-Time Holders
Built a focused onboarding, recovery-phrase backup and PIN/biometric setup flow for a Japanese self-custody wallet - designed to convert first-time holders into confident self-custodians, shipped in 8 weeks.
DriveLuxe - All-Electric Premium Ride-Hailing for Hong Kong
Built a rider mobile app for an all-electric premium ride-hailing service - live EV map, charge-aware vehicle selection, real-time booking, and trip-completion CO₂ accounting - shipped from clickable AI prototype to App Store in 10 weeks.
Financia - Personal Finance Console with AI Cashflow Insights
Built a personal finance dashboard that ingests transactions across accounts, attributes spend by category, surfaces AI cashflow insights, and runs a live budget tracker with goal setting - shipped from clickable AI prototype to production in 10 weeks.
Keelstone - Core Banking Back-Office Console with Maker-Checker
Designed and built a clickable back-office console for a Singapore bank's deposit operations: holds and blocks, limit changes, fee waivers, payment repairs and end-of-day, with every money-moving change going through maker-checker approval.
Keystep - Digital Bank Onboarding with ID, Liveness and Risk-Based Review
An onboarding platform for an Irish digital bank: applicants open a EUR current account from their phone with ID and selfie liveness checks, and a staff console lets onboarding and financial crime teams review the cases the rules cannot decide, through to an issued Irish IBAN.
Lastro - Credit Scoring Engine with Explainable Decisions
A credit scoring engine for Ipê Crédito, a Brazilian digital lender, that combines Cadastro Positivo bureau data, Open Finance account data and Pix patterns into one score, returns reason codes with every decision and keeps the model governance evidence risk, compliance and credit teams need.
Lendwell - SME Loan Origination from Application to Funded
A loan origination platform for Harbour Capital, a UK digital lender offering £25,000 to £500,000 term loans to small businesses - one workspace for applications, KYB and KYC, open banking and bureau data, underwriting, credit committee, offers and funding.
Tarang - Instant Personal Loan App and Lending Operations Console
Designed a personal loan app and operations console for an RBI-registered NBFC: borrowers apply, complete KYC, share bank data, sign the Key Fact Statement and receive funds in minutes, while credit, KYC and operations teams review referred applications against a versioned rule set.
Mooring - Collections and Recovery Platform with Built-In Contact Guardrails
Designed and built a clickable collections and recovery platform for a US online lender of personal installment loans: work queues by delinquency bucket, a collector workspace that enforces call caps and contact windows on screen, settlements with approval limits, and a recovery book for charged-off accounts and agency placements.
Quartet - Buy Now, Pay Later Platform with an Ops Console for Credit, Risk and Hardship
Designed and built a clickable ops console for an Australian buy now, pay later lender that splits online purchases of AUD 50 to AUD 3,000 into 4 or 8 fortnightly instalments: the health of the book, customer records, the fraud and referral queue and hardship cases with their regulatory deadlines.
Lintel - Residential Mortgage Portal with Stress-Tested Underwriting
Designed a residential mortgage portal for a Canadian trust company's borrowers, brokers and staff, and built a clickable staff workspace: deal pipeline, deal detail, an underwriting workbench that runs the stress test and checks lending authority, and a conditions desk that tracks every condition against the closing date.
Falaj - Multi-Bank Treasury and Cash Management Platform with Dual Authorisation
Designed and built a clickable treasury platform for a Dubai-headquartered group with companies in the UAE, Saudi Arabia and India: one daily cash position across 11 banks in AED, a rolling 13-week forecast, and outgoing payments that go through dual authorisation before they are released to the bank.
Tidemark - Fraud Detection and APP Scam Reimbursement Dashboard
Designed and built a clickable fraud operations workspace for a UK building society: scored payment alerts with hold deadlines, the scam conversation with the member, and APP scam reimbursement claims tracked against their business-day deadline.
Lotse - Open Banking Aggregator Operations Console
Designed and built a clickable operations console for a Hamburg account information service provider that connects fintechs to German bank accounts under PSD2: bank connector health, incidents, and every consent from grant to the 180-day re-authentication.
Weaver - Relationship Manager 360 Workspace
Designed and built a clickable relationship workspace for a South African bank's business and private relationship managers: every client's accounts, cards, loans, facilities, FX and investments on one screen, with alerts, next best actions and the opportunity pipeline that tell an RM what needs doing today.
Pasje - Card Issuing and Card Controls Ops Console
Designed and built a clickable ops console for an Amsterdam fintech's Visa debit cards: find any card, see why an authorisation was declined, freeze, block or replace a card, and work the dispute queue against scheme deadlines - without staff ever seeing a full card number.
Sampan - KYC Refresh Platform for Periodic and Trigger Reviews
Designed and built a clickable KYC refresh platform for a Hong Kong bank's existing customers: periodic reviews by risk tier, reviews opened by trigger events, pre-filled case files that show what changed, risk re-rating and a fair, documented ladder for customers who do not respond.
Building Pylon - AI-Native Insurance Operations from Prototype to Production
Replaced fragmented policy spreadsheets and disconnected claims tools with a unified AI-driven workspace, designed and shipped in 8 weeks via clickable AI prototype.
Helio - Smart Solar & Storage App with IoT Sensor Network from Prototype to Production
Built a consumer iOS and Android app for solar generation, battery storage, EV charging and smart-home device control - backed by an IoT sensor network and AI optimisation engine. Shipped from clickable AI prototype to App Store in 16 weeks.
Clinica - Multi-Department Clinic Operations Console with AI Assistant
Built a multi-department clinic operations console with appointment management, department load tracking, staff performance, resource utilisation and an AI assistant for staff queries - shipped from clickable AI prototype to production in 14 weeks.
ChainFlow - On-Chain Lending, Borrowing and Swap Console from Prototype to Production
Unified supply, borrow, swap, vault staking and portfolio analytics into a single multi-chain console - shipped from clickable AI prototype to production in 8 weeks.
CryptoTax - FIFO Tax & PnL Reporting Engine for Retail Crypto Investors
Built a tax and portfolio reporting platform that ingests transactions from 30+ exchanges and wallets, computes FIFO cost-basis, and generates IRS Form 8949 + Schedule C in one click - shipped from clickable AI prototype to production in 10 weeks.
EnerWise - Whole-Home Energy & Smart Device Mobile App
Built an iOS and Android app that ingests live device-level consumption from a circuit-clamp IoT sensor network, surfaces AI insights and runs smart-control automations across appliances - shipped from clickable AI prototype to App Store in 12 weeks.
NovaWallet - Multi-Chain Self-Custody Mobile Wallet
Built an iOS and Android self-custody wallet supporting BTC, ETH, LTC, XRP and AVAX with one-tap send, receive and swap, plus a clean activity feed - shipped from clickable AI prototype to App Store in 8 weeks.
VaultGo - Self-Custody Onboarding & Recovery for First-Time Holders
Built a focused onboarding, recovery-phrase backup and PIN/biometric setup flow for a Japanese self-custody wallet - designed to convert first-time holders into confident self-custodians, shipped in 8 weeks.
DriveLuxe - All-Electric Premium Ride-Hailing for Hong Kong
Built a rider mobile app for an all-electric premium ride-hailing service - live EV map, charge-aware vehicle selection, real-time booking, and trip-completion CO₂ accounting - shipped from clickable AI prototype to App Store in 10 weeks.
Financia - Personal Finance Console with AI Cashflow Insights
Built a personal finance dashboard that ingests transactions across accounts, attributes spend by category, surfaces AI cashflow insights, and runs a live budget tracker with goal setting - shipped from clickable AI prototype to production in 10 weeks.
Keelstone - Core Banking Back-Office Console with Maker-Checker
Designed and built a clickable back-office console for a Singapore bank's deposit operations: holds and blocks, limit changes, fee waivers, payment repairs and end-of-day, with every money-moving change going through maker-checker approval.
Keystep - Digital Bank Onboarding with ID, Liveness and Risk-Based Review
An onboarding platform for an Irish digital bank: applicants open a EUR current account from their phone with ID and selfie liveness checks, and a staff console lets onboarding and financial crime teams review the cases the rules cannot decide, through to an issued Irish IBAN.
Lastro - Credit Scoring Engine with Explainable Decisions
A credit scoring engine for Ipê Crédito, a Brazilian digital lender, that combines Cadastro Positivo bureau data, Open Finance account data and Pix patterns into one score, returns reason codes with every decision and keeps the model governance evidence risk, compliance and credit teams need.
Lendwell - SME Loan Origination from Application to Funded
A loan origination platform for Harbour Capital, a UK digital lender offering £25,000 to £500,000 term loans to small businesses - one workspace for applications, KYB and KYC, open banking and bureau data, underwriting, credit committee, offers and funding.
Tarang - Instant Personal Loan App and Lending Operations Console
Designed a personal loan app and operations console for an RBI-registered NBFC: borrowers apply, complete KYC, share bank data, sign the Key Fact Statement and receive funds in minutes, while credit, KYC and operations teams review referred applications against a versioned rule set.
Mooring - Collections and Recovery Platform with Built-In Contact Guardrails
Designed and built a clickable collections and recovery platform for a US online lender of personal installment loans: work queues by delinquency bucket, a collector workspace that enforces call caps and contact windows on screen, settlements with approval limits, and a recovery book for charged-off accounts and agency placements.
Quartet - Buy Now, Pay Later Platform with an Ops Console for Credit, Risk and Hardship
Designed and built a clickable ops console for an Australian buy now, pay later lender that splits online purchases of AUD 50 to AUD 3,000 into 4 or 8 fortnightly instalments: the health of the book, customer records, the fraud and referral queue and hardship cases with their regulatory deadlines.
Lintel - Residential Mortgage Portal with Stress-Tested Underwriting
Designed a residential mortgage portal for a Canadian trust company's borrowers, brokers and staff, and built a clickable staff workspace: deal pipeline, deal detail, an underwriting workbench that runs the stress test and checks lending authority, and a conditions desk that tracks every condition against the closing date.
Falaj - Multi-Bank Treasury and Cash Management Platform with Dual Authorisation
Designed and built a clickable treasury platform for a Dubai-headquartered group with companies in the UAE, Saudi Arabia and India: one daily cash position across 11 banks in AED, a rolling 13-week forecast, and outgoing payments that go through dual authorisation before they are released to the bank.
Tidemark - Fraud Detection and APP Scam Reimbursement Dashboard
Designed and built a clickable fraud operations workspace for a UK building society: scored payment alerts with hold deadlines, the scam conversation with the member, and APP scam reimbursement claims tracked against their business-day deadline.
Lotse - Open Banking Aggregator Operations Console
Designed and built a clickable operations console for a Hamburg account information service provider that connects fintechs to German bank accounts under PSD2: bank connector health, incidents, and every consent from grant to the 180-day re-authentication.
Weaver - Relationship Manager 360 Workspace
Designed and built a clickable relationship workspace for a South African bank's business and private relationship managers: every client's accounts, cards, loans, facilities, FX and investments on one screen, with alerts, next best actions and the opportunity pipeline that tell an RM what needs doing today.
Pasje - Card Issuing and Card Controls Ops Console
Designed and built a clickable ops console for an Amsterdam fintech's Visa debit cards: find any card, see why an authorisation was declined, freeze, block or replace a card, and work the dispute queue against scheme deadlines - without staff ever seeing a full card number.
Sampan - KYC Refresh Platform for Periodic and Trigger Reviews
Designed and built a clickable KYC refresh platform for a Hong Kong bank's existing customers: periodic reviews by risk tier, reviews opened by trigger events, pre-filled case files that show what changed, risk re-rating and a fair, documented ladder for customers who do not respond.
Trusted by Teams
That Cannot Afford to Fail.
Enterprise Clients Served
Active Users on Our Systems
Engineers Deployed
Guaranteed Uptime SLA
OceanLab shipped a working insurance ops console in 8 weeks - clickable AI prototype in week 2, production-ready in week 8. Their engineers understood SOC 2 and HIPAA from day one, not as an afterthought. That combination of speed and compliance maturity is extraordinarily rare.
Marcus Whitfield
CTO · Pylon
PylonWe needed a HIPAA-aligned multi-department clinic operations platform in fourteen weeks, with a working AI assistant and full audit trail. OceanLab delivered on time and provided documentation that satisfied PDPA + MOH-IM8 reviewers in one round. Our directors open the dashboard every morning.
Dr. Aishwarya Menon
Head of Operations · Clinica
ClinicaThe Human + AI model isn't marketing language - it shows in the output quality. We clicked through every flow in the prototype before production code touched a chain integration. The wallet shipped to the App Store in 8 weeks and our users actually hold funds in it.
Daniyal Rahimov
Product Lead · NovaWallet
NovaWalletOceanLab shipped a working insurance ops console in 8 weeks - clickable AI prototype in week 2, production-ready in week 8. Their engineers understood SOC 2 and HIPAA from day one, not as an afterthought. That combination of speed and compliance maturity is extraordinarily rare.
Marcus Whitfield
CTO · Pylon
PylonWe needed a HIPAA-aligned multi-department clinic operations platform in fourteen weeks, with a working AI assistant and full audit trail. OceanLab delivered on time and provided documentation that satisfied PDPA + MOH-IM8 reviewers in one round. Our directors open the dashboard every morning.
Dr. Aishwarya Menon
Head of Operations · Clinica
ClinicaThe Human + AI model isn't marketing language - it shows in the output quality. We clicked through every flow in the prototype before production code touched a chain integration. The wallet shipped to the App Store in 8 weeks and our users actually hold funds in it.
Daniyal Rahimov
Product Lead · NovaWallet
NovaWalletQuick answers about how we work.
Common questions from product, engineering, and procurement leads evaluating OceanLab for an upcoming engagement.
We are an enterprise software engineering partner. We design, build, and operate mission-critical systems for regulated industries - InsurTech, FinTech, DeFi, HealthTech, Energy, and Mobility - combining the velocity of AI prototyping with the rigour of senior human engineers. Every engagement starts with a clickable AI prototype validated by your team before any production code is written. We ship in 8–16 weeks, not 6–18 months. We don't do small-feature MVPs.
Production in 8–16 weeks depending on scope. The first clickable AI prototype is delivered in 1–3 weeks so your team can interact with the actual product before we write production code. For example: Pylon (insurance ops) shipped in 8 weeks; Helio (smart energy with IoT firmware) shipped in 16 weeks; Clinica (multi-department healthcare) shipped in 14 weeks.
You pay for milestones and demonstrated results instead of hours. We agree the production target on day five, and our incentives are tied directly to shipping a working system on schedule - not to billable time. If we don't ship the milestone, you don't pay for it. Prefer hourly? Project builds and embedded engineers can also be billed at $30-50/hr, depending on role and seniority.
InsurTech, FinTech, DeFi / Web3, HealthTech, Energy / IoT, Mobility / EV, and Crypto Wallets. We focus on regulated environments where compliance is part of the architecture, not retrofitted later.
SOC 2, HIPAA, ISO 27001, GDPR, PCI DSS, plus jurisdiction-specific frameworks: UAE VARA (DeFi), Singapore MAS-TRM and PDPA, Japan JFSA crypto-asset, German BaFin and PSD2, Swiss FADP, IEC 62443 (industrial IoT), Australian Privacy Act, and IRS Form 8949 / AICPA SOC for crypto tax.
Fully clickable and interactive. Mocked data, AI responses, and key flows all behave as if they were live. Your team navigates the actual product end-to-end - every screen, every state, every edge case - and refines it in real time. Three rounds of copy and visual iteration typically happen in the prototype, not in production.
We are an enterprise engineering partner, not an app studio. Design, AI prototyping, on-chain or hardware integration, mobile and web engineering, security review, and DevOps live under one accountable team. No handoff between a design agency and a systems integrator, no telephone game on edge cases, no integration debt between vendors. You sign one contract, you talk to one team, you ship one system that is audit-ready from the first sprint.
Global Headquarters at 21 Merchant Road, 3rd Floor, Singapore. Client operations and business development out of San Francisco. Engineering and delivery centre in Ahmedabad, India. Active engagements across the USA, Switzerland, Germany, Australia, UAE, Singapore, Hong Kong, and Japan.
