Question 1

Build, buy, or open source?

Accepted Answer

It depends on where your differentiation lies. Licensing and control favor an open core; speed favors a vendor; we will model the ten-year cost of each before you sign either contract.

Question 2

Do you only do greenfield launches?

Accepted Answer

No. Most work is replatforming or cost re-architecture on something already live — migrations where the regulator and the customers are both watching.

Question 3

Can you work alongside our in-house team?

Accepted Answer

That is the default. We take the slices that need regulated-systems experience and leave your team owning the product code, with the runbooks and reviews to support it.

Question 4

What happens after launch?

Accepted Answer

Handover is designed in from week one: documentation, on-call runbooks and a support arrangement sized to your stage — not a permanent dependency.

Question 5

How much does it cost to run a core at scale?

Accepted Answer

The line items that break unit economics are per-account and per-transaction fees that look fine at pilot and invert at scale. We re-architecture the vendor stack around contribution margin per account — modelling the ten-year cost before you sign, not after the Series B.

Question 6

Is an open-source core production-ready for a regulated neobank?

Accepted Answer

It can be, if it's hardened properly — correct double-entry ledger, reconciliation, audit trails and on-call runbooks. Those are cheap to build right early and brutally expensive to retrofit, so the decision is really about where your differentiation lies and who owns the roadmap.