Valorifi — Financial infrastructure, engineered.

Valorifi engineers neobanks, payment infrastructure and stablecoin platforms — designed, built and shipped by the people who own them.

Work with us

38
Corridors
14
Regimes
11
Years

Valorifi turns regulated finance into working software. Accounts, cards, FX and settlement, built by the people who ship them.

Core banking

Ledger, limits and postings. The part nobody sees and everything depends on.

Accounts & payments

Multi-currency accounts and instant settlement across every rail you need.

Cards & issuing

Issuing, processing and spend controls that ship with the ledger, not a year after it.

Embedded compliance

KYC, AML and sanctions built into the path, not bolted on beside it.

FX & treasury

Pricing, hedging and float management that survives a bad Monday.

Crypto-fiat rails

On and off-ramps that clear in seconds and prove themselves without a call.

Neobanks

Licence to launch. Ledger, cards, accounts and app as one programme.

Digital assets

Exchanges, custody and tokenised funds built to pass an audit, not a demo.

Payments

SEPA, SWIFT, ACH, PIX. One interface, reconciliation already solved.

Stablecoins

Issuance, reserves, attestation and a redemption path that holds under stress.

Own the regulated layer

Identity, monitoring and compliance engineered into the core — treated as a primitive, not an afterthought.

Build on rails you own

Stop renting infrastructure that caps your margin and your roadmap.

Ship with senior engineers

Small teams, two-week cadence, working software from the first sprint.

Scale past your first architecture

New corridors, new licences, new volume. We hand over or we stay.

Method

Each one ends with something you own outright.

Phase 012–4 weeks

Discover

We map the money, the rules and the constraints before anyone opens an editor.

DeliverableTarget architecture & regulatory path

Discover
Architect
Build
Launch
Scale

Selected work

Names under NDA. Architecture isn't.

Cross-border corridor

Tier-1 bank · EMEA

A four-day correspondent chain replaced with same-day settlement on both ends.

Settlement: T+0
Cost: −82%
Corridors: 11

Retail neobank

Challenger · LATAM

Licence, core ledger, card programme and app delivered as one programme.

To launch: 11 mo
Accounts: 410k
Unit cost: $0.11

Stablecoin reserve

Issuer · APAC

Reserve custody, daily attestation and a redemption path that clears under stress.

Attestation: Daily
Ratio: 1.00
p99: 38s

Compliance automation

Payment network · UK

Screening, cases and reporting rebuilt as one hash-chained audit trail.

Manual review: −71%
False pos.: −64%
Findings: 0

Figures are indicative and subject to client clearance.

ISO 20022MiCASOC 2 TYPE IIPSD2ISO 27001FATF TRAVEL RULEPCI DSS L1BASEL IIISEPA INSTFEDNOWISO 223013-D SECURE

3-D SECUREISO 22301FEDNOWSEPA INSTBASEL IIIPCI DSS L1FATF TRAVEL RULEISO 27001PSD2SOC 2 TYPE IIMiCAISO 20022

Ready when you are

Forty-five minutes with the people who would actually run the build.