Let’s Build the Financial Systems of the Future Together
We offer boutique software services ranging from payment systems to crypto asset platforms. We don’t just write code; we provide technical architectural support at every stage, from your project’s business model to the licensing process.
What We Build
Digital Banking & Neobank
Modern consumers reach for their phones, not bank branches. io40 delivers for neobank and digital bank founders:
- Core Banking Engine with real-time processing
- Account management, card issuance, money transfer
- Push notifications and financial goal tools
- Low-cost BaaS (Banking-as-a-Service) infrastructure
Crypto Asset Platforms
Specialized software for Virtual Asset Service Providers (VASPs):
- Crypto exchange and OTC trading infrastructure
- Asset management platform (portfolio tracking, reporting)
- Crypto payment acceptance and conversion plugins
- NFT marketplace and tokenization infrastructure
Payment Orchestration
Intelligent routing that simplifies complex payment flows:
- Multi-provider management (failover and load balancing)
- Transaction cost optimization (cheapest route selection)
- Unified reconciliation and reporting
- A/B testing for conversion rate optimization
Regtech & Compliance Tools
- AML (Anti-Money Laundering) automation systems
- KYC platform and periodic re-verification automation
- Regulatory reporting modules (BDDK, SPK, MASAK, EBA)
- Data protection and GDPR/KVKK compliance tooling
Technology Stack
Backend:
- Go, Rust, Node.js (high-performance financial transactions)
- Java Spring Boot (enterprise banking integrations)
- Python (data analytics, ML models)
Frontend & Mobile:
- React, Next.js (web applications)
- React Native, Flutter (iOS + Android)
- Progressive Web App (PWA) support
Infrastructure:
- Kubernetes + Docker (container orchestration)
- Terraform (infrastructure as code)
- Event streaming: Kafka, RabbitMQ
- Databases: PostgreSQL, Redis, Cassandra
Security:
- HSM (Hardware Security Module) integration
- mTLS, OAuth2/OIDC, API Gateway
- SIEM and centralized log management
Development Methodology
Regulation-First Design
The most common delay in fintech projects is compliance gaps discovered late. io40 designs every project “regulation-ready” from day one:
- Legal requirements mapped during architecture phase
- Every sprint closes with a compliance checklist review
- Independent compliance audit before production go-live
API-First Architecture
All components communicate through APIs, enabling:
- Easy third-party and partner integration
- Independent scaling of microservices
- No vendor lock-in at the infrastructure layer
Security-by-Design
- Threat modeling (STRIDE methodology) every sprint
- Automated OWASP Top 10 scanning
- Penetration testing (minimum twice per year)
- Vulnerability lifecycle management
Regulatory Consulting
io40 supports your licensing journey beyond just the technology:
- SPK License: VASP technical capability documentation for Turkey
- BDDK License: Payment and EMI institution application support
- MiCA Compliance: EU crypto asset regulation readiness assessment
- ISO 27001/9001: Technical support for certification processes
Schedule an architecture assessment for your fintech project →