Regulated financial products
Payment platforms, AML/KYC workflows, RegTech compliance systems, crypto payment rails and secure fintech infrastructure.
Explore →Status
✅ Build deployed
production
QA Coverage
94%
87 tests passing
Since 2005 · 300+ projects · EU / UK / CA
We build secure, scalable
and regulated software products.
For fintech teams that need compliance-first architecture.
For products where KYC, AML and audit trails aren’t optional.
For platforms where security and delivery accountability are non-negotiable.
Send us your idea. After a short discovery call we prepare a lightweight prototype or product concept.
splinestudio.com/demo/montowire
🔒Montowire · FinTech Dashboard
$2.4M
Volume today
1,284
Transactions
99.9%
Uptime
KYC Queue12 pending
2005
Founded
300+
Projects
30+
Specialists
Mobile · Web · Backend
QA · DevOps
AI-assisted
Delivery
Free offer
Test your idea before
investing in full development.
Have a product idea or MVP concept? After a short discovery call, we can prepare a free lightweight prototype — a deployed web app, mobile build or structured product concept. For suitable scopes, this takes 2 business days after receiving a clear brief. This is not a full MVP or production-ready product.
01
Send us your idea
Describe the product or problem.
02
We clarify scope
Short call, define what to validate.
03
You get a prototype
Deployed app or concept in 2 business days.
Live deploy log
●Building Docker image... done
●Running test suite... 87/87 passed
●Deploying to production... done
●Live → demo.splinestudio.com
Strategic focus
Where we create the most value.
Data-intensive platforms
Audit workflows, certificate processing, reporting infrastructure and real-estate data systems.
Explore →Sensitive-data products
Products that handle private or regulated user data and require strong security architecture.
Explore →Business-critical platforms
Systems where integrations, auditability and reliability matter more than speed.
Explore →Where we step in
Problems we
actually solve.
These are the real situations our clients come to us with — not a generic service menu.
FinTech / RegTech
We need KYC/AML in our payment flow — but our team has never built for regulated markets.
We design compliance-first architectures with KYC/AML integrations, audit logging and secure backend — production-ready from day one. We also have experience integrating crypto payment rails into regulated fintech products.
Backend · Compliance · Crypto rails →
PropTech / Data Platforms
We process hundreds of supplier certificates manually. We need a platform that extracts and validates data automatically.
We build AI-assisted document extraction pipelines, automated validation and reporting dashboards structured for real audit workflows.
Web Platform · AI · Data →
Mobile product
Our app works in demo but breaks in production. The original team is gone.
We take over Flutter and React Native apps, fix critical issues, stabilise architecture and prepare the product for the next release cycle.
Mobile · QA · Product Support →
Early stage
I have a product idea but I don't know if it's worth building.
We run a short discovery call, define what to validate first and deliver a free lightweight prototype or structured concept within 2 business days.
Free prototype offer →
Sensitive data
Our platform handles children's data. We need a team that understands security — not just speed.
We build with end-to-end encryption, role-based access, GDPR-aligned architecture and QA processes built around sensitive personal data.
Security · Architecture · QA →
Agency / Startup
We have a client project but our team doesn't have the backend capacity to deliver it on time.
We work as a white-label engineering extension — taking backend, mobile or DevOps scope while you maintain the client relationship.
White-label · Capacity · DevOps →
AI-assisted delivery
Faster delivery.
Full engineering control.
AI tools speed up discovery, prototyping, documentation and testing. But regulated products still require human ownership. At SplineStudio, AI assists — engineers, QA and delivery managers own the outcome.
AI assists
Requirement breakdown
Early prototyping
Documentation acceleration
Test support
Code generation
Humans own
Architecture decisions
Code review & QA
Security checks
Release readiness
Delivery management
Work
Products we've shipped.
Montowire
Regulated payment platform with KYC/AML, multi-currency wallets, compliance-first architecture and crypto payment rail integration.
View case study →BlueAuditor
B2B data platform with AI-powered certificate extraction, automated validation and reporting dashboards.
View case study →CampOrganizer
White-label multi-app platform with events management, courses and structured learning materials — 3 Flutter apps, 3 web portals, NFC check-in.
View case study →Memory Hive
Voice-first journaling app with AI writing assist, social media posting and community features — users share entries and build an audience.
View case study →Why SplineStudio
Why teams choose us.
01
Full-cycle delivery
Design, development, QA, DevOps and delivery management in one team.
02
Regulated-product mindset
Experience with systems where security, compliance and data integrity matter.
03
Faster validation
AI-assisted workflows to move from idea to prototype without overbuilding.
04
Engineering accountability
AI accelerates. Engineers, QA and delivery managers own the outcome.
05
Flexible cooperation
Full product team or extension of your existing team — your choice.
06
ISO certification experience
Experience guiding projects through ISO 27001 certification — architecture, documentation and audit trails.
Process
From idea to release.
01
Discovery
02
Free prototype
03
Estimate & scope
04
UX / UI + Arch
05
Development
06
QA & release
07
Launch
08
Support & growth
FAQ
Common questions.
SplineStudio (also known as Spline Studio) is a Ukraine-based software development company founded in 2005. We build mobile apps, web platforms, backend systems and regulated software products for FinTech, RegTech, PropTech and compliance-heavy businesses.
FinTech and RegTech (payment platforms, KYC/AML, compliance systems, crypto payment rails), PropTech and data-intensive platforms (audit workflows, reporting), HealthTech and sensitive-data products, and compliance-heavy business platforms.
After a short discovery call, we prepare a free lightweight prototype or product concept. For suitable scopes this takes 2 business days after receiving a clear brief. This is not a full MVP or production-ready product.
Our delivery team is based in Ukraine. We have business presence across Austria, Canada, the United Kingdom, Latvia and the Netherlands, serving clients across the EU, UK and North America.
We use AI to speed up discovery, prototyping, documentation and testing. All architecture decisions, code reviews, security checks and release readiness are owned by senior engineers and QA specialists.
Yes. We have experience supporting projects through ISO 27001 certification preparation — security architecture, documentation and audit trail implementation. Formal certification requires an external auditor.
Yes. We integrate crypto payment rails into regulated fintech products — stablecoin settlements, on-chain/off-chain flows and wallet infrastructure. We treat crypto as a payment layer inside compliance-first products, not as standalone Web3 development.
Mobile: Flutter and React Native (iOS & Android). Web: Vue.js, React. Backend: Node.js, PostgreSQL, Redis. DevOps: CI/CD, Docker, cloud platforms. AI: OpenAI APIs, custom pipelines.
Have an idea worth testing?
Send us a short description. We'll help you understand what can be validated first and how to move toward development without wasting scope.