Flow design, end to end
Onboarding, verification, funding, transaction, dispute and closure, including every state where the flow does not complete.
Build track: Fintech
Money products are won on the edge cases.
Reconciliation, verification, disputes, partial failures, the provider that goes down at 2am. Customers judge a fintech on the day something goes wrong, so that is the day we design for first.
The problem
The happy path is the easy twenty per cent
Any team can move money when everything works. The product is really the other cases: the duplicate charge, the failed verification, the refund after settlement, the customer who changed their number. Build those in from the start and the roadmap stops being a sequence of emergencies.
What you get
Four things, done properly.
Reconciliation from day one
Ledger model, settlement timing and a report someone in finance can actually close a month with.
Partner and rail selection
Providers, licensing dependencies and the concentration risk of building on any single one of them.
Compliance dependencies, early
The requirements that shape the architecture, identified before they become a rebuild.
Process
How the work runs.
- 01
Map the money movement, including the failures.
- 02
Identify licensing and partner dependencies.
- 03
Design the ledger and reconciliation model.
- 04
Build the narrowest complete flow.
- 05
Test the edge cases deliberately.
- 06
Launch into one market, then extend.
Fit
Worth a conversation when…
- A defined money movement and a defined customer
- Willingness to launch in one market first
- Counsel or a compliance owner already engaged
Not a fit
Probably not us when…
- A request for licensing or regulatory approval
- A multi-market launch before the first flow works
- Unclear ownership of customer funds or data
Questions
What people ask first.
Can you get us licensed?
No. We identify which permissions your model depends on and design around them, working alongside your counsel and your chosen providers.
Do you build on existing rails?
Almost always. Building a rail is rarely the differentiator, and it multiplies the compliance surface you have to defend.
Which market should we launch in?
One. The market where the offer, the rails and the buyer already line up. Additional regions come after the first produces usable signal.
EBG does not hold financial licences, does not provide legal, regulatory, tax or investment advice, and does not claim any compliance certification on your behalf. Systems are designed to support applicable security and compliance requirements; the status of any deployment depends on the final architecture, vendors, contracts and your own controls.