Fintech product development

Production-grade fintech, built end to end.

Flipprr designs, builds, and ships AI-native software for banks, lenders, and financial institutions — underwriting, credit decisioning, payments, collections, and compliance. Wired to real data, with audit trails from day one.

Explore the productsTalk to us
9 products live · lending · payments · collections · compliance
gaigenticOS — Chief Risk Officer briefing
Morning briefing

Chief Risk Officer

Headline read-out

Capital and liquidity hold, but the AML alert backlog is now critical and CET1 is drifting toward buffer. Two items need a decision today.

Engine live brain v4.2.1 mapping v1747 findings · 1,204 concepts
What's going badly
AML alert backlog
CRITICAL
312 open+18%

Queue breaching SLA; investigator capacity exceeded for 6 days.

fct_aml_alertsEBA6AMLD
CET1 ratio drift
HIGH
13.8%0.4pp

Approaching internal buffer; RWA inflation on the corporate book.

Basel IIIfct_capitalEBA
What's going well
LCR within bounds
LOW
142%stable

High-quality liquid assets comfortably above the 100% floor.

Basel IIIfct_liquidity
NPL ratio improving
LOW
3.1%0.3pp

Cured exposures outpacing new defaults two quarters running.

fct_loansEBA
Where we can improve
Model validation lag
MEDIUM
4 overdue+1

IRB recalibration backlog risks the annual-review window.

SR 11-7fct_models
Every decision cited. Every action audited. Built to defend in front of regulators.
How we build

Built for regulated finance — not demos.

Domain-Deep by Design

We build for regulated finance, where the hard part is the domain — not the UI.

AI-Native, Production-Grade

Agentic AI wired to real backends and real data — not demos. Every product ships with full observability and audit.

Explainable & Compliant

Every decision is cited, every action is audited — built to be defended in front of regulators and boards.

The portfolio

Nine products. One engineering bar.

Each product is production-grade, wired to real data, and built to be defended in front of regulators and boards.

Financial Operations Intelligence

gaigenticOS

An on-premises AI platform that reads a bank's own databases and regulatory environment, then continuously surfaces what's going well, what's going badly, and where to improve — every finding cited and auditable.

11Reasoning Agents
Loan Origination & Underwriting

Galileo

Agentic AI that automates SME loan underwriting. Four specialized agents investigate, spread financials, apply credit policy, and produce an ECOA-compliant decision — in under 30 seconds, with a full audit trail.

30sTime to Decision
Credit Decisioning

CredAI

An API-first credit decisioning platform that scores consumers and SMEs on alternative data — card, payments, e-commerce, and telco signals — returning an explainable risk score and offer in under three seconds.

<3sDecision Latency
Payments Compliance & Assurance

CardOS

Indexes payment-scheme rulebooks and automates reconciliation of acquirer invoices against contracts — giving compliance and finance teams one source of truth for rule changes and billing errors.

7,000+Rules Indexed
Collections & Recovery

CollectEye

An agentic AI that prioritizes collection cases, drafts compliant outreach, and tracks outcomes — all in shadow mode with hard policy guardrails and a human always in the loop.

ShadowMode by Design
Property Lending & Investment

InvestorIQ

Combines instant AI property-investment analysis for investors with fully automated buy-to-let mortgage underwriting for lenders — cutting roughly 80% of manual underwriting work.

80%Less Manual Work
ESG & Regulatory Reporting

Greenshield

Automates compliance assessment, calculation, and reporting across six EU regulations — EUDR, CBAM, CSRD, CO2, PPWR, and VSME — with AI-assisted document analysis feeding straight into regulatory filings.

6EU Regimes Covered
Portfolio IntelligenceLive

Amplifi

An AI layer for CDFIs that imports loan-portfolio data from existing systems and generates compliance reports, portfolio analytics, and early-warning alerts — no migration required.

6+Report Templates
Local-First AI ProductivityLive

Shruti

A native macOS and Windows app that captures, transcribes, and enhances meeting notes entirely on-device — no cloud, no servers, and no bots in the call.

100%Local-First
Freight Forwarding OperationsLive

Lade

An operations platform for freight forwarders and NVOCCs — buy/sell rate management, an all-in CPQ quoting engine across ocean and air, AI that drafts a priced quote from a customer email, cognitive selling-rate recommendations, customer risk scoring, shipment and invoice tracking, and contract governance with a full audit trail.

FCL·LCL·AirModes Priced
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