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Software Solutions For Next-Generation Fintechs

Modular fintech software platform for innovative and ambitious projects.

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Comprehensive infrastructure and technology for fintech innovators

We put the tech in fintech by equipping project teams with composable and scalable software solutions for their back-end, front-end, or middleware tasks. 

All-in-one platform

Get all the essential components such as back office, apps, and middleware at one place.

Partner ecosystem

Access the leading companies from all over the world to augment your product with payments, white-label cards, FX, KYC/AML, and more.

Tailored for you

Velmie wins the competition by providing not only the software platform but also top-class engineers to help with integrations and customizations. 

Start your fintech faster than ever with Velmie

See the on-demand webinar to know how Velmie helps fintechs go live in days together with our partners.

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Velmie FinTech platform is a fully customizable solution built with microservices architecture, ready to scale and grow with your business. Our mission is to streamline the go-to-market strategy and simplify product lifecycle management by providing advanced technology and tools.

As a financial technology provider we have been developing advanced software solutions for financial institutions and entrepreneurs for more than a decade, and are constantly expanding its product range.

We deliver a full-fledged software platform,  API infrastructure, and professional services so founders and product teams can stay focused on what matters the most - their clients.

We like that Velmie platform is an all-in-one solution with the ability to be customized and scaled. For us, it is as powerful and simple as achieving a new line of business, thanks to the final product developed by Velmie. Basically, we are opening a new functionality that will cross-sell in an excellent way with our current product.

Alejandro González,

Head of Product & Founding Partner, Reddo.

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Case Study: Fast-track approach to building a neobank

Walddo platform has been built with the digital banking technology by Velmie that brings scalable architecture, configurable back office workflows, and an API ecosystem with direct access to the market-leading payment, KYC, and other service providers. It’s a cutting-edge neobank platform that offers users a full range of services, including account opening, card issuing, domestic and international transfers, eCommerce payments, and digital wallets. Plus, it offers MasterCard Send functionality, providing clients with lightning-fast payment options.

What we offer

Modular Technology

Velmie’s modularity is diverse and effective in the development of a fintech product. through the options offered by our partners.

Infrastructure and Integrations

Our partner network allows for tailored solutions for each business to meet the requirements and target audiences.


With extensive experience and developers of various expertise, we can tailor the right team for you.

Security and Compliance

We effectively address security and compliance issues by providing truly cloud-based software solutions.

IP Ownership

Customers have more control and flexibility to manage and expand their business because Velmie shares IP rights with the customer.

End-to-end Delivery

Customers don't need to bring in the expertise and resources needed for systems integration and support, because Velmie does it all.

Core Features

Accounts and IBANs

Fx and Remittance

Multi-currency accounts

Physical and Virtual Card issuing

SEPA and SWIFT transfers

Credit and Savings

Retail and Business Users


Advanced reporting

Multi-language support

Velmie helped over 100 fintechs to go live and find their product-market fit.

Reach out to us today to leverage the opportunity.

Sectors we serve


Ecommerce payments

Asset management

Mobile wallets

Digital banks

Business banking

How to choose a software platform for fintech

What is fintech? 

The history of fintech is dating back to the early days of the telegraph and the telephone. However, it wasn't until the late 20th century that fintech really began to take off, thanks to the rise of the internet and mobile technology. One of the first examples of financial technology is ATM machine. Invented in the early 1960s ATMs allowed people to withdraw cash and make deposits without visiting a branch. 

Together with the rise of the internet in the 90s, there were new solutions and technologies that revolutionized the way people consume financial services, for example, online payments and digital banking services started to appear. The trend continued in the 2000s when the first mobile banking, wallets and digital asset services appeared on the market bringing new ways to use financial services. 

As the technology evolves, so does the financial services industry. Its future of it is directly connected to the emerging technologies that are starting to get traction. AI/ML, alternative assets, open banking, AR, and VR are already shaping financial services technology. 

Top features fintechs provide to their clients

As the fintech industry keeps growing, there are thousands of startups go live every year trying to find their product-market fit and delight customers with their solutions. Not everyone, however, is able to win the fierce competition and launch a product customers love. 

But when it comes to the essential features, most fintech companies provide the following

  1. Online account opening. As you search for a fintech platform, make sure it comes with a comprehensive functionality to allow instant account opening for retail and business clients. Even better if it supports multi-currency accounts, Fx, alternative currency and A2A transfers. 

  2. Payments. P2P transfers, direct debits, e-commerce checkout, invoicing, payment links and address book transfers are the common features across fintechs and neobanks. You may not need all of them at once, but at least make sure your software platform has the capacity to implement such features.

  3. Transfers. As the world gets global, so does finance. Cross-border transfers represent one of the biggest markets and most fintechs enter it to generate revenues. Therefore, make sure the software you choose comes with an embedded cross-border payments solution.

  4. Investments. Of of the essential services fintechs need to consider is the ability to offer investment services, such as buying and selling stocks, bonds, and mutual funds. 


There are, of course, many more features and services fintechs may need to consider. For example, lending & BNPL, savings, personal finance management and more. Therefore, when choosing a software solution, make sure that it not only has features you need now, but that the team has the capacity to introduce new services within a reasonable timeframe. 

How important it is for fintechs to build API ecosystems 

The importance of partnerships and API ecosystems for fintechs cannot be overstated. Looking at the features listed above, it is not feasible for any startup to be able to provide all the services on its own. For example, it may take years and a fortune to build its own network of partner banks to enable international remittances. Thus, finding and connecting to reliable partners is essential for startups looking to grow fast and provide comprehensive services. 

In order to do so, the software platform must come with a marketplace functionality and a middleware layer that allows fast API connections. Here are some of the key benefits of having an API middleware for fintechs:

  1. Better product. Partner APIs can help fintechs build better products and services by providing access to new tools and services. For example, a personal finance management software company could use APIs to connect with bank accounts, credit card companies, and investment platforms. This would allow the company to give its users a more comprehensive view of their financial situation and make it easier for them to manage their money.

  2. Faster speed. By using 3rd party APIs fintechs can drastically speed up their product launch plan as well as scale on the go by introducing new features and services. 

  3. Reduced costs. APIs help reduce costs by eliminating the need to build and maintain your own tech and business infrastructure. Instead, fintechs can invest more effort into building better experiences for their customers while keeping most of the financial services outsourced. 


Buy vs Build. The importance of IP ownership 

Building a fintech on top of BaaS platform is one of the most common ways to go live faster but it comes with a significant pitfall. The majority of startups end up realizing they don’t actually own the product and are fully dependent on a BaaS company that may no longer be a good fit. 

Fintechs must consider IP ownership from day 1 and, fortunately, there are white-label platforms that provide such opportunities. Having a control over the source code and IP rights comes with numerous advantages such as

  1. Flexibility. With software IP ownership you have greater flexibility to change the software as needed. This can be helpful when you need to add new features or make changes to existing ones.

  2. Customization. Having control over the source code makes it easier to plan and implement customizations whether with your in-house team or a software development partner. 

  3. Security. With control over the source code and single-tenant deployment, it is much easier to protect the data, mitigate the risks and meet regulatory compliance.

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