Finance
Banking, payments, insurance, crypto, tax and compliance platforms built for regulators and auditors.
68 case studies · 9 industries
Industries in this sector
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.
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.
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.
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 fictional 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.
Njia - Branch & ATM Analytics with Cash Forecasting and CIT Planning
Designed and built a clickable analytics console for a Kenyan bank's branch, ATM and agent network: footfall, queue waits against the service charter, ATM uptime by cause, 14-day cash forecasts and cash-in-transit orders with two-person approval.
Gantry - Merchant Onboarding and KYB Platform with Four-Eyes Underwriting
Designed and built a clickable merchant onboarding and KYB console for a CBN-licensed payment gateway in Lagos: an applications queue, a case review that checks CAC, BVN, NIN, liveness and the settlement account name in one place, an underwriting workbench with an explainable risk score, limits and rolling reserves, and four-eyes approvals bound to each approver's mandate.
Cenote - Merchant Dashboard for a Mexican Payment Gateway
Designed and built a clickable merchant dashboard for a Mexican online payment gateway that takes cards with meses sin intereses, SPEI transfers and OXXO cash vouchers in MXN: every payment from authorisation to settlement, declines in plain language, refunds with approval limits, chargebacks sorted by deadline and payouts that break down to the last fee.
Contrepoint - Three-Way Reconciliation Engine for Orders, PSP Payouts and Bank Lines
Designed and built a clickable reconciliation engine for a Lyon-based marketplace group paid through Adyen, Stripe, PayPal and SEPA: it matches orders to PSP transactions, payouts and bank statement lines, explains every suggestion, turns what is left into a worked exceptions queue and traces each match to the journal entries it posts.
Hatid - Remittance App and Ops Console for Sending Money Home to the Philippines
Designed and built a clickable ops console for a Manila remittance company paying out PHP to the families of overseas Filipino workers: a live view of today's flows across 4 corridors, a transfers monitor with SLA timers, a full transfer record, compliance holds with a tipping-off check, and FX margins priced per corridor, payout method and amount band.
Tsumugi - Subscription Billing with Qualified Invoices and Furikomi Matching
Designed and built a clickable billing platform for a Tokyo SaaS company that sells shift scheduling and attendance software to Japanese businesses: invoice runs by each customer's closing date, qualified invoices with tax rounded once per rate, bank transfer matching on half-width katakana payer names, and dunning by payment method.
Kwitek - KSeF Invoicing, Collections and Cash Matching Platform
Designed and built a clickable invoicing and receivables platform for a Gdańsk wholesale distributor of heating and plumbing supplies: invoices issued through KSeF, a receivables dashboard with ageing, a collections worklist driven by a dunning cadence, and a matching workbench that pairs bank receipts, including split payments, with the invoices they pay.
Rastro - Corporate Cards and Spend Management with IVA-Ready Receipts
Designed and built a clickable spend-management platform for a Valencia fintech that gives Spanish SMEs company cards: budgets and card controls checked at authorisation, every transaction matched to its receipt, IVA marked recoverable or not from the invoice type, and a keyboard-driven review queue that turns card spend into bookable entries.
Rimtang - Phone-as-Till QR and Tap-to-Pay App with an Operations Console
Designed a phone-as-till payments product for a Thai bank-owned payment service provider and its street merchants - dynamic Thai QR, tap to pay on the phone and cash - and built a clickable operations console where staff watch payments, match late QR confirmations by hand and approve the daily settlement run.
Parley - Chargeback Manager with One Dispute Desk Across Every PSP
Designed and built a clickable chargeback manager for a US merchant group with four online brands on Stripe, Adyen and Braintree: one inbox for every dispute with deadline countdowns, evidence gathered per reason code, a fight or accept recommendation with its reasons, pre-dispute alerts and dispute ratios tracked against network thresholds.
Plumbline - AML Transaction Monitoring with Alerts, Cases and SAR Deadlines in One System
Designed and built a clickable AML transaction monitoring system for a US neobank and its sponsor bank: scenario alerts ranked by a transparent priority score, an investigation workspace that shows why each alert fired, real-time payment holds, and cases that count down to the SAR filing deadline.
Gija - KYC and KYB Case Management with Ownership Tracing and Four-Eyes Approval
Designed and built a clickable KYC and KYB case-management platform for a Vilnius electronic money institution: a case queue with SLAs, individual and business cases with registry comparison and beneficial ownership traced through every layer, an explainable risk score, four-eyes approval and requests for information sent to customers.
Plimsoll - Regulatory Reporting Platform for APRA and AUSTRAC Returns
Designed and built a clickable regulatory reporting platform for an Australian customer-owned bank: prepare APRA returns from core banking and general ledger data, clear validation errors, comment on variances, approve adjustments within policy limits and sign off against an evidence pack, with every reported number traceable to its source.
Skanse - GRC Platform for Risk, Controls and DORA Incident Reporting
Designed and built a clickable GRC platform for a Danish bank and pension group: a risk register scored inherent and residual against the board's appetite, a dashboard with DORA readiness, and an ICT incident log that classifies incidents against the DORA criteria and runs the reporting clock to Finanstilsynet.
Migdalor - SOC 2 and ISO 27001 Audit Readiness Tracker for Startups
Designed and built a clickable audit readiness tracker for startups preparing for SOC 2 and ISO/IEC 27001: one control library mapped to both frameworks, automated tests against cloud, identity, code, HR and device systems, and an inbox that chases the evidence nobody can automate.
Tamis - Sanctions and PEP Screening Platform with Four-Eyes Decisions
Designed and built a clickable sanctions and PEP screening platform for a Luxembourg private bank and fund administrator: rescreening as soon as a list changes, a payment hold queue against currency cut-offs, side-by-side alert review with four-eyes approval, and true hit cases that track the freeze and every report to the authorities.
Currach - Complaints Management on the Consumer Protection Code Clock
Designed and built a clickable complaints management system for an Irish lender of personal loans, home improvement loans and car finance: one intake inbox for every channel with an explicit complaint test, a business-day clock on the Irish calendar, a complaint workspace with root-cause tagging, and an approvals queue where final letters carry locked FSPO wording.
Kittiwake - AI Claims Intake with a Person Behind Every Decision
Designed and built a clickable claims intake console for a UK motor and home insurer: AI reads the customer's story and photos, extracts the facts, drafts a damage estimate and suggests a triage route with its reasons, while a named person confirms cover, routes the claim and makes every call that could go against the customer.
Gratwerk - Commercial Underwriting Workbench from Broker Submission to Quote
Designed and built a clickable underwriting workbench for a Bern-based insurer writing commercial property and liability through brokers: a submission inbox with extraction already done, an underwriter queue with the quote SLA, a submission file enriched with hazard, building and company data, and a workbench that rates the risk, checks every referral rule and shows who may quote.
Ormeggio - Policy Administration for Italian Motor and Home Insurance
Designed and built a clickable policy administration console for an Italian motor and home insurer: every policy with its versions, coverages, taxes and bonus-malus class, and an endorsement workbench that works out the pro-rata premium per coverage and checks the approver's authority before a change goes through.
Kemudi - Broker and Agent Portal for Quotes, Applications and Commission
Designed and built a clickable portal for the agents and brokers of a Malaysian insurance group with a life and a general insurer: a daily to-do list, quick quotes gated by the agent's licence, every case from quote to issued policy, application tracking through underwriting requirements, and commission statements with clawbacks shown before they happen.
Tussock - Customer Self-Service App for Home, Contents, Car and Travel Insurance
Designed and built a clickable self-service app for a New Zealand personal lines insurer: every policy on one home screen, cover in standard or plain language, renewals that explain each reason for a price change, claims with Natural Hazards Commission steps on the timeline, and payments with failed instalments fixed in a tap.
Serambi - Embedded Insurance Platform for Micro-Insurance Inside Partner Checkouts
Designed an embedded insurance platform for a Jakarta insurtech broker that places device, parcel, flight delay, personal accident and driver income cover inside partner checkouts, and built its clickable ops console: partners, policy search with the customer's consent record, and a claims queue that checks authority, payee name and screening before any payout.
Qistas - Health Claims Adjudication with an Explanation on Every Line
Designed and built a clickable claims adjudication platform for a Saudi cooperative health insurer: claims arrive through NPHIES, from member reimbursements or on paper, a rules engine decides each line with a trace and a provider explanation in Arabic and English, and only uncertain lines reach a medical reviewer.
Kladde - AI Bookkeeping for German Freelancers and Small Firms
Designed and built a clickable AI bookkeeping product for German freelancers, sole traders and small GmbHs: a bank feed with a suggested booking and confidence score on every payment, a receipt inbox that validates e-invoices and checks §14 UStG fields, and a VAT advance return previewed box by box and submitted through ELSTER.
Birchbark - Expense Management with GST/HST and QST Recovery Built In
Designed and built a clickable expense management platform for a Canadian consulting engineering firm: approvers decide claims line by line with policy flags, finance audits flagged and sampled claims, GST/HST and QST are read from each receipt for input tax credits, and approved claims are reimbursed in EFT payment runs.
Pravah - Accounts Payable Automation with GST, TDS and MSME Rules Built In
Designed and built a clickable accounts payable platform for an Indian auto components maker with four plants and a GSTIN in each state: invoice capture with field confidence, three-way matching against POs and goods receipts, GST and TDS per invoice, MSME due dates from the acceptance date, an exceptions queue and GSTR-2B reconciliation.
Sadu - UAE VAT Compliance Platform from ERP Data to a Filed VAT201
Designed and built a clickable VAT compliance platform for a Dubai tax technology company serving mid-size UAE businesses and their tax agents: one queue for everything that blocks a clean return, Peppol e-invoices traced hop by hop through an Accredited Service Provider, and the VAT201 built box by box with drill-down to the source lines.
Fortnight - Payroll Tax and Filing Workbench for an Australian Payroll Bureau
Designed and built a clickable filing workbench for a Brisbane payroll bureau that runs payroll for about 380 Australian employers: a pay run board with cut-off timers, a pay run review with automated checks and a four-eyes rule, STP Phase 2 lodgments with plain-English ATO guidance, and state payroll tax returns with group apportionment.
Tongkang - Audit Workpaper Platform from Acceptance to Locked Archive
Designed and built a clickable audit workpaper platform for a mid-tier Singapore public accounting corporation: a firm dashboard of engagements, hours and review notes, an engagement overview with materiality and blockers, a binder indexed A to W, and workpapers with tick marks, cross-references, review notes and dated sign-offs.
Waymark - Advisor Portal with Suitability Reports Built From the Case
Designed and built a clickable advisor portal for a UK wealth firm's financial planners: a daily home with reviews due and alerts, a segmented client book, a Client 360 for every household, an advice case board and a suitability report builder that will not issue a report until the checks and approvals are in place.
Fjärd - Robo-Advisor App for ISK and KF Savings
Designed and built a clickable robo-advisor app for a Swedish digital investment manager: a suitability-based portfolio recommendation with its costs shown before investing, managed ISK and KF accounts that rebalance automatically, goals with projections, ISK tax estimates, and deposits and withdrawals signed with BankID.
Pregão - Stock and ETF Trading App with the Income Tax Explained
Designed and built a clickable investor app for a Brazilian broker trading B3 stocks and ETFs: patrimônio at a glance, a market overview, an asset page with an order ticket that shows the lot and fractional split before sending, a portfolio at average price, and a tax centre that works out the monthly DARF.
Sextant - Multi-Custodian Portfolio Reporting with Advisor-Reviewed AI Commentary
Designed and built a clickable portfolio reporting platform for a Denver investment adviser with client assets at three custodians: daily reconciliation against custodian files, household views with performance gross and net of fees, and quarterly AI commentary that may only cite engine numbers and needs advisor and compliance sign-off.
Kinfold - Family Office Platform with Look-Through Net Worth Across Trusts and Companies
Designed and built a clickable family office platform for a Hong Kong single family office serving a three-generation family: one look-through net worth in HKD across trusts, holding companies and banks in six jurisdictions, an ownership map, an asset register with valuation ages, and a capital call calendar with four-eyes payment approval.
Capstan - Fund Investor Portal and GP Console with Wire-Fraud Controls
Designed and built a clickable GP and administrator console for a New York private equity manager with a Delaware fund and a Cayman feeder: capital calls and distributions followed to settlement, an investor register with KYC and tax form status for each LP, and bank detail changes that need a signature, a callback and a second approver before any money moves.
Bangul - Savings Goals and Round-Ups App with Bank-Held Savings
Designed and built a clickable savings app for a Seoul fintech with a MyData licence: customers set goals, switch on round-ups, payday, weekly, guilty pleasure, rainy day and challenge rules, and see every won their rules move into a savings pocket held in their name at a partner bank.
Cairn - Debt Payoff Coach with Side-by-Side Payoff Plans and No Offers
Designed and built a clickable debt payoff coach for a US personal finance company: every card and loan in one list, avalanche, snowball and custom plans compared against paying only the minimums, a minimum-only versus plan view on every debt, and a read-only credit score with no card or loan offers anywhere.
Écluse - Subscription Tracker That Finds, Cancels and Checks Every Recurring Charge
Designed and built a clickable subscription tracker for a Lyon consumer app company: it finds the recurring charges in a member's bank accounts, explains which French consumer rule lets them leave, writes the cancellation letter or email, and watches the account until the charges really stop.
Kaudi - Family Money App with Parent-Controlled RuPay Cards
Designed and built a clickable family money app for a Bengaluru fintech and its partner bank: parents top up each child's bank-issued prepaid wallet over UPI, set allowances and limits, approve requests and freeze cards, while teens aged 10 to 17 spend on a RuPay card that only works where their parent allows.
Levada - Non-Custodial DEX Aggregator with Split Routing and an Ops Console
Designed and built a clickable non-custodial DEX aggregator for a Lisbon DeFi team: a swap app that splits trades across liquidity sources and shows every fee before the user signs, gasless limit orders, wallet history with approval revoking, transaction status, and an ops console that watches chain health, quote quality and failure clusters.
Bollard - Institutional Staking Dashboard for Validators, Rewards and Approvals
Designed and built a clickable client dashboard for a Singapore staking provider serving funds, family offices and corporate treasuries: positions across six chains, daily rewards split by type with SGD and USD values at receipt, unbonding dates per chain, and an approvals inbox that applies each institution's policy before stake moves.
Hakari - Exchange Operations Console with Four-Eyes Approvals and Cold Storage Controls
Designed and built a clickable operations console for an FSA-registered crypto-asset exchange in Tokyo: a dashboard of volume, flows and cold storage ratio, one inbox for every four-eyes request, a withdrawals queue that shows why each transfer was held, and hot and cold wallet controls that keep customer assets above the 95% cold storage floor.
Portage - On-chain Analytics with Finality, Methodology and Labels Shown
Designed and built a clickable on-chain analytics product for a Toronto blockchain data company that sells to crypto funds, protocol teams and researchers: protocol and wallet pages over indexed chain data, alerts by email, webhook or Telegram, and a freshness and finality status on every number.
Allmend - Tokenisation Platform for Funds, Property and Private Credit
Designed and built a clickable tokenisation platform for a Vaduz token issuer registered under the TVTG: permissioned tokens for fund units, real estate SPV shares and private credit notes, with every on-chain operation approved under a signing policy, every investor transfer checked before it settles, and the token ledger kept in step with the legal register.
Riegel - Institutional MPC Custody Platform with Quorum Approvals and Client Policies
Designed and built a clickable client console for a German crypto custodian's MPC custody platform: institutions see their vaults and holdings, follow every transaction from request to final confirmation, approve with a security key against a quorum per approver group, and test their own first-match withdrawal policy before it goes live.
Bandi - K-Culture Fan Collectibles Marketplace with KRW Checkout
Designed and built a clickable fan collectibles marketplace for a Seoul entertainment-tech company: fans buy numbered collectibles from music labels, webtoon studios and sports clubs by Korean card in KRW or with ETH from their own wallet, use the holder benefits, and resell to other fans with the creator royalty shown on every sale.
Kindlus - Smart Contract Admin Console with Reviewed, Simulated and Multi-Signed Changes
Designed and built a clickable smart contract admin console for a Tallinn infrastructure company that serves protocol teams and token issuers: a registry of deployed contracts across chains, a role map that flags single keys with admin power, and a queue where every upgrade, role change, parameter change or pause is reviewed, simulated and signed through a Safe and a timelock.
Enterprise Software Engineering - Human + AI
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© 2026 - Copyright. All Rights reserved Oceanlab
Location
Global Headquarters
21 Merchant Road, 3rd Floor, Singapore 058267
Main corporate office and leadership operations
North America Office
548 Market Street, PMB 12345, San Francisco, CA 94104
Client operations and business development
India Office
402 Shivalik Shilp II, SG Highway, Ahmedabad 380015
Engineering and delivery center
Enterprise Software Engineering - Human + AI
Contact Us
Locations
Global Headquarters
21 Merchant Road, 3rd Floor, Singapore 058267
Main corporate office and leadership operations
North America Office
548 Market Street, PMB 12345, San Francisco, CA 94104
Client operations and business development
India Office
402 Shivalik Shilp II, SG Highway, Ahmedabad 380015
Engineering and delivery center
© 2026 - Copyright. All Rights reserved Oceanlab