Multi-currency B2B payments, compliant from day one.
A full-stack B2B fintech app with multi-currency support — businesses holding and moving balances across currencies, with verification and an audit trail designed into the data layer rather than bolted on before launch.
- Client
- B2B Fintech Startup
- Industry
- Fintech · B2B Payments
- Region
- United Kingdom
- Services
- Full-stack · Fintech · Compliance
- Timeline
- 11 weeks to launch
- Year
- 2024
What they were up against.
A startup was building a B2B fintech app — businesses holding balances and moving money across several currencies. The currency part alone is unforgiving: every balance, every transfer, every fee has to be exact, and “roughly reconciled” is not a thing that exists in payments.
Most payments products treat compliance as a screen bolted on shortly before launch — a KYB form here, a KYC check there, stapled to the side of a system that was never designed for it. The founders wanted the opposite: a B2B fintech app where business verification and a clean audit trail were part of the foundation. A payments platform that cannot prove who moved what — and that they were verified to do it — is a regulator problem waiting to happen.
They needed multi-currency balances, business onboarding with KYB and KYC, and an audit trail a regulator or a client’s finance team could open and trust — all correct from the first transaction, because in payments there is no quiet period to fix the foundation later.
- Hold and move business balances across multiple currencies, exactly
- Onboard businesses with KYB and KYC checks built into the core flow
- Produce an audit trail a regulator or finance team can trust
How we built it.
We designed the app ledger-first. At its core is a multi-currency double-entry ledger — every movement of money is two balanced entries, every currency its own accounting — so the books are correct by construction rather than by a nightly job hoping to reconcile.
Verification state and the audit trail live in that schema, not in the UI. A business cannot reach a funded, money-moving state without a verified KYB/KYC record behind it — the data model makes the non-compliant path impossible rather than the interface merely discouraging it. KYB and KYC providers are integrated directly into onboarding.
On top of the ledger we shipped the full product as a Next.js application: a business dashboard for balances and transfers across currencies, reconciliation tooling, role-based access for finance teams, and a webhook layer so downstream systems stay in sync.
It went from concept to a compliant launch in about eleven weeks — a real multi-currency payments app in production, not a prototype waiting for the compliance work to start.
- Multi-currency double-entry ledger at the core
- KYB/KYC business onboarding with provider integration
- Business dashboard for multi-currency balances and transfers
- Reconciliation and audit-trail tooling
- Role-based access for finance teams
- Webhook layer to keep downstream systems in sync
Compliance in the data model, not the UI
A KYB/KYC form on a screen is a suggestion; a verification state in the ledger schema is a rule. We put verification and the audit trail into the data model itself, so a business simply cannot reach a money-moving state without a verified record behind it. The compliant path is the only path the schema allows — and that is what holds up when a regulator looks.
- Next.js
- TypeScript
- Postgres
- Stripe
- Vercel
What changed.
The app launched as a real multi-currency B2B payments platform — businesses holding and moving balances across currencies, onboarded through KYB and KYC, every transaction on a double-entry ledger that reconciles. It was compliant the day it went live, not the quarter after.
Because verification and the audit trail were designed in, the platform did the thing fintech founders lose sleep over: it held up the first time a regulator looked at it. The foundation scaled with the business instead of needing a re-architecture once real money was moving.
“They built compliance into the foundation instead of bolting it on at the end. Our multi-currency ledger reconciles, and our audit trail held up the first time a regulator actually looked at it.”
Client under NDA · Reference available on request
In regulated fintech, the schema is the product. Get the ledger and the audit trail right at the foundation, and compliance stops being a launch-day scramble.
