PaySwift
Cross-border payment infrastructure for SMEs
15K+
SMEs onboarded
35
Currencies
$8M+
Monthly volume
4.2%
Avg. FX saving
The Challenge
UK SMEs were losing 3–5% per transaction to bank FX fees when paying international suppliers. The founders needed a regulated fintech platform that could go live without building their own banking infrastructure.
The Solution
Ubikon built a Next.js fintech platform on top of Stripe Connect and Plaid, with multi-currency wallets, compliance KYC flow, and a virtual IBAN per business. FCA-compliant from day one.
How We Built It
Compliance Design
FCA regulatory mapping, AML/KYC flow architecture, PCI DSS scoping.
Banking Integrations
Stripe Connect multi-party payouts, Plaid account linking, SWIFT/SEPA wiring.
Core Wallet
Multi-currency ledger, real-time FX rates, transaction reconciliation engine.
Security Hardening
AWS KMS encryption, HSM key management, penetration test, WAF rules.
Launch & Scale
Beta with 200 businesses → FCA registration support → public launch.
"We were live with a compliant, production-grade fintech platform in 22 weeks. Ubikon navigated the regulatory complexity so we could focus on growth."
James Thornton
CEO, PaySwift
Tech Stack
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