Open your own financial institution
dolfin pay is a modular banking-grade platform for teams building EMI, payment, treasury and digital finance products across Europe. Launch faster with a modern stack for accounts, payments, KYC, ledger, compliance, reporting and admin operations.
Monthly Statement
Account: DE89 3704 0044 0532 0130 00
Payment Approved
SEPA Credit Transfer
Compliance Queue
3 pending reviews
Ledger Balance
Operating account
Audit Trail
142 events today
A modern financial operations platform
dolfin pay combines customer banking experience, admin tooling, payments orchestration, ledger discipline, compliance operations and reporting — in one integrated system.
Customer Banking Interfaces
Modern digital banking experience with accounts, balances, payments, beneficiaries and self-service operations.
Admin & Operations Back Office
Comprehensive operations console for customer management, payment review, compliance actions and monitoring.
Payments & Beneficiaries
Full payment lifecycle with SEPA, internal transfers and beneficiary management in a unified workflow.
KYC & Compliance Workflow
Structured onboarding, review queues, manual approval paths, decision tracking and audit trail generation.
Ledger & Reconciliation
Modular ledger foundation with reconciliation-ready transaction recording and period snapshots.
Reporting & Documents
Automated generation of statements, certificates, transaction confirmations and regulator-ready exports.
Cloud Deployment & Observability
Cloud-native deployment on GCP with isolated environments, metrics, structured logging and tracing.
A complete operating system for modern financial institutions
From customer-facing banking interfaces to internal compliance machinery — dolfin pay covers the full spectrum of financial operations.
Digital Banking Experience
Full customer-facing banking interface with accounts, balances, payments, beneficiaries, statements and transaction confirmations.
Key Features
- Customer dashboard
- Multi-account management
- Payment initiation and tracking
- Beneficiary management
- Monthly statements
- Transaction confirmations
Everything a modern financial operator needs
Purpose-built capabilities for regulated financial operations — from multi-account foundations to audit-ready reporting.
Multi-Account Foundations
Flexible account structures designed for diverse financial products and customer segments.
Beneficiary Management
Full payment lifecycle with INTERNAL, SEPA and SWIFT beneficiary support.
SEPA-Oriented Architecture
Payment architecture designed around SEPA standards and ISO 20022 messaging.
Modular Ledger Foundation
Structured ledger with reconciliation-ready transaction recording.
Statement Generation
Automated monthly statements with PDF output and period snapshots.
Certificates
Account ownership and balance certificates on demand.
Multi-Format Exports
Reporting exports in PDF, CSV, JSON and XML formats.
Admin Back Office
Comprehensive operations console for customer and payment management.
KYC Review Operations
Structured compliance workflows with review queues and decision tracking.
Audit Trail
Immutable audit logging with evidence packs for regulatory review.
Observability
Prometheus metrics, structured logging and correlation-based tracing.
Cloud Deployment
GCP Cloud Run deployment with isolated environments and infrastructure-as-code.
Built for scale, auditability and operational clarity
A modern backend foundation designed for regulated financial products — with strong domain boundaries, cloud-native deployment and comprehensive observability.
Technology Stack
Enterprise-grade technologies chosen for reliability, performance and team productivity.
Modular Monolith
Domain-driven modules with clear boundaries — identity, customer, KYC, accounts, payments, beneficiaries, ledger, audit and FX — all within a single deployable unit with ports and adapters architecture.
Cloud-Native Deployment
Designed for GCP Cloud Run with Cloud SQL, Secret Manager, Artifact Registry and CI/CD via Cloud Build. Infrastructure-as-code approach with isolated environments per stage.
Anti-Corruption Layer
Core banking integration through a well-defined adapter layer. The platform domain model remains clean and independent, with all external system interactions isolated behind ports.
Reporting Pipeline
Dedicated document generation pipeline for statements, certificates and audit evidence. Produces PDF, CSV, JSON and XML outputs with immutable storage and registry tracking.
Designed for regulated financial operations
Dolfin is built with awareness of the regulatory landscape — KYC workflows, audit logging, reporting requirements and operational controls are architectural concerns, not afterthoughts.
KYC / KYB Workflow Support
Structured onboarding workflows with state management, review queues and manual approval paths designed for regulated customer onboarding.
AML Review Operations
Compliance review operations with decision tracking, notes, evidence attachment and escalation paths built into the workflow.
Immutable Audit Logging
Every significant action generates an immutable audit event with full context — stored as structured JSONB for regulatory review.
Reporting & Document Retention
Automated statement generation, certificate production and document retention with immutable storage and registry tracking.
Operational Controls
Admin-level controls for account management, payment review and compliance actions with full visibility into operational state.
Data Retention & Transparency
Architecture designed with data retention policies, user transparency requirements and controlled access patterns in mind.
Regulatory Awareness
Dolfin does not claim regulatory compliance by default. The platform is designed to support compliance operations and is architecturally aligned with the requirements of European financial regulation. Implementation should be complemented by appropriate legal and regulatory counsel.
Financial software is only as strong as its reporting discipline
dolfin pay provides the internal machinery required by serious financial operators — automated document generation, structured ledger recording and immutable audit evidence.
Monthly Statements
Automatically generated account statements with transaction detail, opening/closing balances and period summaries.
Transaction Confirmations
Individual payment confirmations with full transaction details for customer and regulatory records.
Ownership Certificates
Account ownership certificates generated on demand for regulatory, legal and business verification.
Balance Certificates
Point-in-time balance certificates for regulatory reporting, audit and customer verification.
Reconciliation Exports
Structured data exports in multiple formats designed for reconciliation workflows and external system integration.
Immutable Audit Trail
Complete audit evidence with immutable event logging, admin action tracking and compliance decision records.
Period Snapshots
Point-in-time account and ledger snapshots for period-end reporting and regulatory review.
Multi-Format Output
All documents and reports available in PDF, CSV, JSON and XML formats for maximum integration flexibility.
Export Formats
Crypto-friendly. Regulation-aware.
Dolfin Pay is designed for operators working at the intersection of traditional finance and digital assets — with compliance, treasury operations and regulatory awareness as first-class concerns.
Compliance-Aware Architecture
Built for operators that need regulatory awareness for crypto-adjacent activities — not speculative platforms, but serious financial infrastructure.
Source-of-Funds Workflows
Workflow support for source-of-funds verification, enhanced due diligence and risk assessment as part of the onboarding and monitoring process.
Risk-Aware Onboarding
Customer onboarding designed to support risk-based assessment, tiered verification and compliance decision tracking.
Enhanced Due Diligence
EDD workflow support built into the compliance module, with structured evidence collection and review queue management.
Digital Asset Module Readiness
Architecture prepared for future digital asset modules — designed to integrate custody, wallet and token operations when regulatory framework permits.
Regulatory-First Approach
Every crypto-adjacent feature is designed through a regulatory lens. Compliance operations come before feature velocity.
Dolfin Pay does not claim to offer licensed crypto custody or exchange services. The platform provides infrastructure designed to support compliance-aware operations in crypto-adjacent environments. Operators should obtain appropriate regulatory authorisation for their specific activities.
Built for serious financial operators
dolfin pay is designed for teams that need more than a pretty dashboard — operators building regulated, scalable financial products.
Fintech Founders
Ambitious teams building the next generation of financial products — from MVP to licensing-ready operating stack without legacy compromise.
EMI / PI Operators
Electronic Money Institutions and Payment Institutions that need banking-grade operations, compliance workflows and regulatory reporting.
Embedded Finance Teams
Teams integrating financial services into existing platforms — leveraging dolfin pay's modular architecture for accounts, payments and compliance.
Treasury & Payment Operations
Operations teams managing payment flows, beneficiary networks and treasury functions with audit-grade visibility and control.
Compliance-Aware Crypto Operators
Operators working in crypto-adjacent spaces who need regulation-aware infrastructure, enhanced due diligence and treasury workflow support.
Institutions Modernising Tooling
Financial institutions replacing fragmented vendor stacks with a unified platform for operations, compliance, reporting and customer management.
Replace legacy baggage with modern infrastructure
Whether you're escaping a monolithic core banking system or stitching together a dozen SaaS tools — dolfin pay offers a better path.
dolfin pay vs Legacy Core
- Faster iteration and deployment cycles
- Modern, intuitive user interfaces
- Modular architecture with clear domain boundaries
- Cloud-native deployment on GCP
- Modern admin and operations tooling
- API-first design with REST endpoints
- Automated reporting and document generation
- Decades-old codebase to maintain
- On-premise infrastructure requirements
- Vendor lock-in with expensive licensing
dolfin pay vs Fragmented Stack
- Fewer vendors to manage and integrate
- Unified audit trail across all operations
- Single reporting and document model
- Better operator visibility and control
- Simpler product evolution and iteration
- Consistent compliance workflow
- One deployment and monitoring surface
- Multiple vendor contracts and SLAs
- Data scattered across different systems
- Integration maintenance overhead
Calm, serious infrastructure you can trust
Enterprise-grade security posture with cloud-native deployment, isolated environments, comprehensive audit logging and operational resilience foundations.
Cloud-Native on GCP
Deployed on Google Cloud Platform with Cloud Run, Cloud SQL and managed infrastructure services for enterprise-grade reliability.
Isolated Environments
Separate environments for development, staging and production with distinct infrastructure, credentials and access controls.
Audit Logging
Comprehensive audit logging with immutable JSONB events, correlation tracking and structured evidence for security review.
Observability Foundations
Prometheus metrics, structured JSON logging, correlation IDs and health monitoring for operational visibility and incident response.
Role-Based Access Direction
Architecture designed for role-based access control with separate admin and customer permission models and JWT authentication.
Data Retention Strategy
Platform design supports structured data retention policies with immutable audit records and document lifecycle management.
Admin Access Controls
Controlled access to administrative functions with separate authentication paths and operational audit trails.
Operational Resilience
Architecture built with operational resilience in mind — error handling, retry strategies, circuit breakers and graceful degradation patterns.
From discovery to production in a structured path
A clear implementation process designed for regulated financial products — no shortcuts, no surprises.
Discovery & Scoping
We start by understanding your regulatory context, product requirements and operational model. This defines the implementation scope and configuration needs.
Architecture & Configuration
Platform configuration aligned with your licensing requirements, product structure, compliance workflows and reporting needs.
Environment Deployment
Cloud-native deployment on GCP with isolated staging and production environments, CI/CD pipeline setup and infrastructure provisioning.
Integration & Testing
Integration with your existing systems, payment rails and compliance providers. Comprehensive testing of workflows, reporting and operational scenarios.
Go-Live & Operations
Production launch with monitoring, operational runbooks and ongoing support. Continuous iteration based on operational data and regulatory requirements.
Built for engineers who care about architecture
Clear API boundaries, modular services, comprehensive documentation and a developer experience designed for productivity.
Clear API Boundaries
Well-defined REST API endpoints for authentication, customers, KYC, accounts, payments, beneficiaries, FX and audit operations.
Modular Services
Domain-driven modules with ports and adapters — clean boundaries that make the codebase navigable and extensible.
Technical Documentation
Architecture decision records, technical briefs, deployment runbooks and module documentation for every domain.
Local Development Setup
Docker Compose for local infrastructure, Makefile targets for common operations and comprehensive environment configuration.
Architecture Decision Records
Every significant technical decision is documented with context, alternatives considered and rationale — from deployment to domain design.
Frequently asked questions
Build your financial institution on modern infrastructure
Talk to us about your fintech stack, regulatory context and product strategy.