{"head":{"title":"OceanLab: Enterprise Software Engineering, Human + AI","description":"OceanLab designs, builds, and operates enterprise-grade software, pairing AI prototyping with senior engineers. Senior engineers with AI-native delivery.","canonical":"https://oceanlab.in/"},"cards":[{"meta":{"slug":"pylon","industry":"insurance","projectType":"Insurance operations console","featured":true,"country":"us","tags":["insurtech","ai","saas","enterprise"],"compliances":["SOC 2 Type II","HIPAA-aligned","GDPR","ISO 27001"],"cover":{"src":"/pylon-1.png","width":1440,"height":1207}},"text":{"en":{"title":"Building Pylon - AI-Native Insurance Operations from Prototype to Production","description":"Replaced fragmented policy spreadsheets and disconnected claims tools with a unified AI-driven workspace, designed and shipped in 8 weeks via clickable AI prototype.","category":"InsurTech","client":"Pylon"}}},{"meta":{"slug":"helio","industry":"energy","projectType":"Solar, battery & smart-home app","featured":true,"country":"ch","tags":["energy","iot","mobile","ai"],"compliances":["GDPR","Swiss FADP","IEC 62443","ISO 27001"],"cover":{"src":"/helio-1.png","width":2400,"height":1797}},"text":{"en":{"title":"Helio - Smart Solar & Storage App with IoT Sensor Network from Prototype to Production","description":"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.","category":"Energy / IoT","client":"Helio"}}},{"meta":{"slug":"clinica","industry":"clinics","projectType":"Clinic operations platform","featured":true,"country":"sg","tags":["healthcare","ai","saas","enterprise"],"compliances":["PDPA Singapore","MOH-IM8","HIPAA-aligned","ISO 27001"],"cover":{"src":"/clinica-1.png","width":1440,"height":1524}},"text":{"en":{"title":"Clinica - Multi-Department Clinic Operations Console with AI Assistant","description":"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.","category":"Healthcare / Clinic Operations","client":"Clinica"}}},{"meta":{"slug":"chainflow","industry":"defi","projectType":"DeFi lending, borrowing & swap console","country":"ae","tags":["defi","web3","fintech","ai"],"compliances":["UAE VARA","AML/KYC","ISO 27001"],"cover":{"src":"/chainflow-1.png","width":1440,"height":1248}},"text":{"en":{"title":"ChainFlow - On-Chain Lending, Borrowing and Swap Console from Prototype to Production","description":"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.","category":"DeFi / Web3","client":"ChainFlow"}}},{"meta":{"slug":"cryptotax","industry":"accounting","projectType":"Crypto tax reporting","country":"us","tags":["fintech","tax","ai","saas"],"compliances":["SOC 2 Type II","IRS Form 8949","AICPA SOC","GDPR"],"cover":{"src":"/cryptotax-2.png","width":1440,"height":1383}},"text":{"en":{"title":"CryptoTax - FIFO Tax & PnL Reporting Engine for Retail Crypto Investors","description":"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.","category":"FinTech / Tax","client":"CryptoTax"}}},{"meta":{"slug":"enerwise","industry":"energy","projectType":"Home energy monitor","country":"au","tags":["energy","iot","mobile","ai"],"compliances":["ISO 27001","Australian Privacy Act","IEC 62443"],"cover":{"src":"/enerwise-1.png","width":1218,"height":844}},"text":{"en":{"title":"EnerWise - Whole-Home Energy & Smart Device Mobile App","description":"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.","category":"Energy / IoT","client":"EnerWise"}}},{"meta":{"slug":"novawallet","industry":"web3","projectType":"Self-custody mobile wallet","country":"sg","tags":["wallet","web3","fintech","mobile"],"compliances":["MAS-TRM","AML/KYC","ISO 27001"],"cover":{"src":"/novawallet-1.png","width":1250,"height":844}},"text":{"en":{"title":"NovaWallet - Multi-Chain Self-Custody Mobile Wallet","description":"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.","category":"Web3 / Wallet","client":"NovaWallet"}}},{"meta":{"slug":"vaultgo","industry":"web3","projectType":"Wallet onboarding","country":"jp","tags":["wallet","web3","mobile"],"compliances":["JFSA Crypto","AML/KYC","ISO 27001"],"cover":{"src":"/vaultgo-1.png","width":1218,"height":844}},"text":{"en":{"title":"VaultGo - Self-Custody Onboarding & Recovery for First-Time Holders","description":"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.","category":"Web3 / Wallet","client":"VaultGo"}}},{"meta":{"slug":"driveluxe","industry":"mobility","projectType":"EV ride-hailing app","country":"hk","tags":["mobility","ev","mobile","ai"],"compliances":["PCI DSS","GDPR","ISO 27001"],"cover":{"src":"/driveluxe-1.png","width":1214,"height":844}},"text":{"en":{"title":"DriveLuxe - All-Electric Premium Ride-Hailing for Hong Kong","description":"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.","category":"Mobility / EV","client":"DriveLuxe"}}},{"meta":{"slug":"financia","industry":"personal-finance","projectType":"Budget & spending tracker","country":"de","tags":["fintech","ai","saas"],"compliances":["GDPR","BaFin","PSD2","ISO 27001"],"cover":{"src":"/financia-1.png","width":1440,"height":1647}},"text":{"en":{"title":"Financia - Personal Finance Console with AI Cashflow Insights","description":"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.","category":"FinTech / Personal Finance","client":"Financia"}}},{"meta":{"slug":"keelstone","industry":"banking","projectType":"Core banking back office","country":"sg","tags":["fintech","enterprise","saas"],"compliances":["MAS TRM Guidelines","MAS Notice FSM-N05","MAS Notice 626","MAS E-Payments User Protection Guidelines","PDPA Singapore","Banking Act s47"],"cover":{"src":"/case-studies/keelstone/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Keelstone - Core Banking Back-Office Console with Maker-Checker","description":"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.","category":"Banking / Core Banking Operations","client":"Straits Meridian Bank"}}},{"meta":{"slug":"keystep","industry":"banking","projectType":"Digital bank onboarding","country":"ie","tags":["fintech","mobile","saas","enterprise"],"compliances":["EU AML Directives","CJA 2010 (Ireland)","EBA/GL/2022/15","EU sanctions","CRS / FATCA","GDPR","Payment Accounts Directive","Consumer Protection Code","PSD2 SCA"],"cover":{"src":"/case-studies/keystep/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Keystep - Digital Bank Onboarding with ID, Liveness and Risk-Based Review","description":"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.","category":"FinTech / Digital Banking","client":"Corrib Bank"}}},{"meta":{"slug":"lastro","industry":"banking","projectType":"Credit scoring engine","country":"br","tags":["fintech","ai","saas","enterprise"],"compliances":["LGPD","Cadastro Positivo (Lei 12.414)","Open Finance Brasil","CMN Resolution 4.557","CMN Resolution 4.966"],"cover":{"src":"/case-studies/lastro/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Lastro - Credit Scoring Engine with Explainable Decisions","description":"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.","category":"Banking / Credit Scoring","client":"Ipê Crédito"}}},{"meta":{"slug":"lendwell","industry":"banking","projectType":"SME loan origination","country":"gb","tags":["fintech","saas","enterprise"],"compliances":["Consumer Credit Act","MLR 2017","UK sanctions (OFSI)","UK GDPR"],"cover":{"src":"/case-studies/lendwell/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Lendwell - SME Loan Origination from Application to Funded","description":"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.","category":"Banking / SME Lending","client":"Harbour Capital"}}},{"meta":{"slug":"tarang","industry":"banking","projectType":"Consumer lending app","country":"in","tags":["fintech","enterprise"],"compliances":["RBI Digital Lending Directions 2025","RBI KYC Master Direction","RBI penal charges circular 2023","DPDP Act 2023","Account Aggregator framework","NPCI e-mandates"],"cover":{"src":"/case-studies/tarang/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Tarang - Instant Personal Loan App and Lending Operations Console","description":"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.","category":"FinTech / Consumer Lending","client":"Aranya Finance Ltd"}}},{"meta":{"slug":"mooring","industry":"banking","projectType":"Collections & recovery","country":"us","tags":["fintech","enterprise"],"compliances":["FDCPA","Regulation F","TCPA","FCRA and Regulation V","Dodd-Frank UDAAP","SCRA","Rosenthal Act (California)"],"cover":{"src":"/case-studies/mooring/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Mooring - Collections and Recovery Platform with Built-In Contact Guardrails","description":"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.","category":"Banking / Collections & Recovery","client":"Marlowe Hill Credit"}}},{"meta":{"slug":"quartet","industry":"banking","projectType":"BNPL checkout","country":"au","tags":["fintech","enterprise","saas"],"compliances":["NCCP Act 2009","National Credit Code","ASIC RG 271","Design and distribution obligations","Privacy Act 1988 (Part IIIA)","Privacy (Credit Reporting) Code","AML/CTF Act 2006","PCI DSS SAQ A"],"cover":{"src":"/case-studies/quartet/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Quartet - Buy Now, Pay Later Platform with an Ops Console for Credit, Risk and Hardship","description":"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.","category":"Banking / Buy Now, Pay Later","client":"Kestrel Point Credit"}}},{"meta":{"slug":"lintel","industry":"banking","projectType":"Mortgage portal","country":"ca","tags":["fintech","enterprise"],"compliances":["OSFI Guideline B-20","FINTRAC (PCMLTFA)","PIPEDA","Quebec Law 25","Mortgage default insurance rules","Provincial mortgage broker licensing"],"cover":{"src":"/case-studies/lintel/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Lintel - Residential Mortgage Portal with Stress-Tested Underwriting","description":"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.","category":"Banking / Residential Mortgage Lending","client":"Birchmount Trust"}}},{"meta":{"slug":"falaj","industry":"banking","projectType":"Treasury & cash management","country":"ae","tags":["fintech","enterprise"],"compliances":["ISO 20022 (pain.001, pain.002, camt.052, camt.053)","SWIFT MT940 / MT942","UAE Federal Decree-Law No. 47 of 2022 (Corporate Tax)","India FEMA","RBI External Commercial Borrowing rules","UAE Wage Protection System"],"cover":{"src":"/case-studies/falaj/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Falaj - Multi-Bank Treasury and Cash Management Platform with Dual Authorisation","description":"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.","category":"Banking / Corporate Treasury","client":"Rawdah Industrial Group"}}},{"meta":{"slug":"tidemark","industry":"banking","projectType":"Fraud detection dashboard","country":"gb","tags":["fintech","enterprise"],"compliances":["PSR APP Scam Reimbursement","Bank of England CHAPS Reimbursement Rules","Payment Services Regulations 2017","FCA Consumer Duty","Proceeds of Crime Act 2002","UK GDPR","Visa and Mastercard Dispute Rules"],"cover":{"src":"/case-studies/tidemark/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Tidemark - Fraud Detection and APP Scam Reimbursement Dashboard","description":"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.","category":"Banking / Fraud Operations","client":"Ashcombe Building Society"}}},{"meta":{"slug":"lotse","industry":"banking","projectType":"Open banking aggregator","country":"de","tags":["fintech","saas","enterprise"],"compliances":["PSD2","ZAG","PSD2 RTS on SCA","eIDAS","GDPR","BDSG","DORA"],"cover":{"src":"/case-studies/lotse/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Lotse - Open Banking Aggregator Operations Console","description":"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.","category":"Banking / Open Banking","client":"Elbtal Konto GmbH"}}},{"meta":{"slug":"weaver","industry":"banking","projectType":"Relationship manager 360","country":"za","tags":["fintech","enterprise"],"compliances":["POPIA","FICA","FAIS Act","FSCA TCF","National Credit Act","SARB Exchange Control"],"cover":{"src":"/case-studies/weaver/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Weaver - Relationship Manager 360 Workspace","description":"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.","category":"Banking / Relationship Banking","client":"Karoo Ridge Bank"}}},{"meta":{"slug":"pasje","industry":"banking","projectType":"Card issuing & controls","country":"nl","tags":["fintech","enterprise","saas"],"compliances":["PSD2","RTS on SCA","EU Interchange Fee Regulation","Cross-border Payments Regulation","PCI DSS","Visa Claims Resolution","Wwft","GDPR","UAVG","European Accessibility Act"],"cover":{"src":"/case-studies/pasje/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Pasje - Card Issuing and Card Controls Ops Console","description":"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.","category":"Banking / Card Issuing","client":"Vondel Pay"}}},{"meta":{"slug":"sampan","industry":"banking","projectType":"KYC refresh automation","country":"hk","tags":["fintech","enterprise","saas"],"compliances":["AMLO Cap. 615","HKMA AML/CFT Guideline","Companies Ordinance Cap. 622","UNSO Cap. 537","UNATMO Cap. 575","PDPO Cap. 486","Code of Banking Practice","WCAG 2.1 AA"],"cover":{"src":"/case-studies/sampan/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Sampan - KYC Refresh Platform for Periodic and Trigger Reviews","description":"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.","category":"Banking / KYC & Compliance Operations","client":"Lantern Peak Bank"}}}]}