Fintech · EU Compliance · Product Delivery

Build fintech that
regulators approve.

We help startups and scale-ups design, build, and ship compliant fintech products — from the very first regulatory mapping to production-ready code.

Consulting, development, and audit expertise under one roof. We deliver products, not hours.

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5+
Years audit experience
0
Failed audits on our watch
3×
EU regulatory frameworks
1
Place for the whole journey

About Us

Compliance isn't a
layer you add later.

Most fintech teams treat regulation as something to handle after the product is built. We've seen what that costs — from the audit room. MK Solution was built by an auditor who got tired of reviewing products that were architected wrong from day one.

We combine deep regulatory knowledge with hands-on product and software delivery. Whether you need a consulting partner to map your obligations, or a full team to build your product from scratch, we cover the entire journey — so you don't have to manage five vendors at once.

We are not a staffing agency. We don't sell hours. We take on a product and we deliver it — with the documentation, audit trails, and architecture that regulators expect. Every time.

Regulatory-first, always

Before a single line of code is written, we map your obligations across all target jurisdictions. PSD2/PSD3, GDPR, MiCA, EU AI Act, AML/KYC — none of these can be retrofitted. We make them foundational.

Architecture that survives an audit

Immutable audit trails, data residency, transaction monitoring, consent management — these aren't features, they're structural. We design them in, so your regulators find exactly what they're looking for.

One place. Full journey.

From regulatory mapping and product definition to development, deployment, and QA — we assemble the right team for your stage and stay accountable for the outcome, not the headcount.

Careful beats fast

In fintech, the teams that scale don't move faster than everyone else — they move more carefully. We treat regulation as a product input and design for future audits from the very first sprint.

Services

Everything you need
to ship compliant fintech.

We cover the full stack of what it takes to build a regulated financial product — from paper to production.

Regulatory & Compliance Consulting

We map your obligations before you write a spec — saving months of costly rework and keeping regulators happy from day one.

  • Jurisdiction mapping: EU AI Act, MiCA, PSD2/PSD3, GDPR, AML/KYC
  • Licensing strategy — own license vs. BaaS/enabler path
  • Audit-ready documentation and evidence packs
  • KYC/AML framework design and tuning
  • Sanctions screening and transaction monitoring setup
  • Regulatory roadmap aligned to your tech milestones

Fintech Product Development

Full-cycle product delivery — from architecture and UX to code and launch — with compliance woven in by design, not bolted on later.

  • Product definition, MVP scoping, and tech roadmap
  • Modular architecture designed to scale without rewrites
  • Immutable audit trail and observability from day one
  • Numerical precision handling for financial calculations
  • KYC/AML flows, fraud scoring, and consent management
  • Hybrid model: we build with you, for you, or augment your team

DevSecOps & Cloud Infrastructure

Security-first deployment practices, resilient architecture, and the operational foundation your SLA commitments demand.

  • Secure CI/CD pipeline design and implementation
  • Cloud architecture on AWS, GCP, or Azure
  • Data residency and encryption strategy
  • Disaster recovery planning and graceful degradation
  • Third-party PSP and processor integration
  • Monitoring, alerting, and incident response setup

Audit Trail & Product Management

We sit at the intersection of audit requirements and product delivery — a rare combination that keeps your roadmap clean and your regulator satisfied.

  • Audit trail architecture with queryable immutable logs
  • Data retention policy design meeting regulatory requirements
  • Product management bridging engineering and compliance
  • Project management and transparent release planning
  • Regulatory gap analysis on existing products
  • Pre-audit readiness reviews and evidence preparation
"Vibe coding won't produce a robust, compliant fintech platform. The teams that scale don't move faster — they move more carefully."
1

Compliance precedes code. Regulatory mapping happens before architecture decisions — not after product-market fit.

2

Audit trails are structural. They cannot be added post-launch. Queryable, immutable, retention-aware — by design.

3

UX and architecture co-evolve. Money movement, reconciliation, disputes — the interface must reflect the backend reality.

4

KYC/AML is a living system. Not a checkbox. It requires continuous monitoring, tuning, and domain-aware iteration.

How We Work

AI-accelerated.
Security-uncompromised.

We use the latest tools and AI to move fast where speed creates value — rapid prototyping, UI/UX iteration, research, and design exploration. A fintech product that looks polished and ships quickly is a real advantage.

But we draw a hard line. AI does not touch security architecture, cloud infrastructure, or compliance logic. Those are built by engineers following battle-tested best practices, reviewed by hand, and signed off by a senior auditor. No exceptions.

This distinction matters because most teams either ignore AI entirely or let it into places it shouldn't be. We've seen both end badly. The right answer is knowing exactly where the boundary sits.

AI-assisted

Where we leverage AI

  • Rapid UI prototyping and wireframing
  • Design exploration and font / colour iteration
  • Frontend component scaffolding
  • Regulatory research and documentation drafts
  • Test case generation and QA coverage
  • Code review assistance and refactoring suggestions
  • User story and spec writing
Human-only

Where we don't use AI

  • Security architecture and threat modelling
  • Cloud infrastructure design and configuration
  • CI/CD pipeline and deployment automation
  • Encryption, key management, and access controls
  • Audit trail and compliance logic
  • KYC/AML rule engine implementation
  • Production incident response

Technology we work with

TypeScript / Node.js React / Next.js Python PostgreSQL AWS / GCP / Azure Docker & Kubernetes Terraform GitHub Actions Figma Claude / GPT-4o Cursor Stripe / Adyen

Team

Built by people who've
been inside the audit room.

A small, focused core team — supplemented by trusted specialists exactly when your project needs them.

MK
Senior Auditor · PM · Project Manager

Maksym Kostenko

5 years as a senior auditor specialising in financial services compliance. Now applies that experience from the product side — defining what needs to be built, managing delivery, and ensuring nothing fails when regulators look under the hood.

  • Audit trail design and regulatory evidence preparation
  • Regulatory compliance: EU AI Act, MiCA, PSD2/PSD3, GDPR, AML/KYC
  • Product management bridging engineering and compliance teams
  • Project management — scope, timeline, and transparent delivery
  • Pre-audit reviews and gap analysis on existing fintech products
DS
DevSecOps · DevOps · Security

DevSecOps Engineer

Security and deployment specialist who makes sure the infrastructure your fintech product runs on is as solid as the product itself. Handles everything from CI/CD pipelines to cloud architecture and operational resilience.

  • Secure CI/CD pipeline design and automation
  • Cloud infrastructure: AWS, GCP, Azure
  • Encryption, secure data handling, and access controls
  • Disaster recovery, SLA architecture, and graceful degradation
  • Third-party PSP integration and operational monitoring

We don't pretend one team profile fits every product. Depending on what you're building and where you are in the journey, we bring in trusted specialists — people we've worked with, vetted, and know deliver.

This keeps the team lean when you need speed, and scales exactly where the product demands it — without the overhead of a full-service agency.

UX / UI Design Frontend Development QA & Testing Domain Experts Open Banking Specialists Crypto / DeFi Payments Architecture

Process

How we work.

No surprises, no scope creep. You always know where the product is and what comes next.

1

Map Before You Build

We start with regulatory mapping, not feature lists. We identify every obligation across your target jurisdictions and translate them into concrete technical and legal milestones — before a line of code is written.

2

Build With Compliance In

Architecture decisions, data models, audit trails, and KYC/AML flows are designed in from sprint one. You see working software early, and every release is audit-ready — not audit-adjusted after the fact.

3

Deliver and Stand Behind It

We ship a product with the documentation, evidence packs, and operational foundation regulators expect. Then we stay available — because scaling to new regions, adding features, or preparing for an audit doesn't stop at launch.

Get Started

Your first 30 minutes
are on us.

Tell us what you're building and where you are. We'll tell you what it takes — no commitment, no pitch decks, no fluff.

Schedule Free Call