we do create
the fintech
products

What is fintech

Fintech (gen.) —  technologies that help to manage financial aspects of life and business.  Technologies that make financial management simpler, easier, more reliable, faster.


Fintech is an industry where companies use new financial technologies and solutions to increase competitiveness and improve customer experience.


To create a fintech product, it is necessary to involve a large list of competencies, which in ordinary realities may not be connected in any way.


The industry works with clients' money and is regulated. This implies high requirements for professionals whose competencies are used.

About us

Makefin.tech team is a team of like-minded professionals united with love for creating new fintech products and solutions to simplify the user experience in complex financial matters.  The team pays special attention to the implementation of financial inclusion goals.

We have key competencies for designing, creating, legalizing, bringing to market and promoting the Product.

We want to apply all our experience, ideas and competencies to create your dream Fintech Product.

Our experience and knowledge of the markets allows us to take unconventional approaches, take shortcuts and do it right on the first try.

We are ready to apply our experience, ideas and competencies to create your fintech product of the dream, with high investment attractiveness.

Our results

The key project of the Makefin.tech team is the international fintech project uplata,

launched in Ukraine in 2015.

2016

—

team formation. Launch of the payment site uplata.ua

2017

—

the first uplata payment card with OTP Bank

· possibility to order remotely;

· card management through the site;

· bank without branches.

2018

—

status Strategic partner of Visa

—

uplata was awarded as the Best Fintech Startup of the Year, according to PSM7

2019

—

UAB Uplata EU, Lithuania (E-money institution) — launch of a division in the EU.

—

TM Paylar — paylar.com

—

uplata was awarded as the Best Fintech Startup of the Year, according to PSM7

2020

—

launch of the blockchain project sansera.com (Sansera OU). Sansera is an asset tokenization crypto platform

—

Market launch of the Visa insha card from uplata. The best prepaid card in Ukraine (according to Visa)

—

partnership with the national payment system City24

2021

—

market launch of city24 app and payment card City24

—

creating of the concept of "The uniform City24": ATM + Mobile + Web + Cash-in terminals

The company created and implemented projects in-house, from scratch.

What we can

Administrative competencies

—

Obtaining a financial license in Ukraine and interaction with the regulator.

—

Obtaining a financial license in the EU and interaction with the regulator.

—

Creation and launch of Card Projects.

—

Building processes, launching and administering the normal activities of a financial company.

—

Building accounting and reporting.

—

Creation of normative documentation and its updating (Ukraine; EU).

Business competencies

—

Product development (from concept to marketing plan).

—

Creation of technical specifications for development.

—

Building sales networks.

—

Building sales support.

—

Creation of customer support.

—

Development and implementation of a marketing strategy.

—

Bringing a new product to market.

—

Building partnerships

IT competencies

—

Implementation of all stages of project development.

—

Preparation and implementation of server architecture of any complexity.

—

Design and structuring of databases of different levels.

—

Construction of interface diagrams, APIs, internal and external connections.

—

Creating native mobile applications.

—

Audit and optimization of existing projects, security analytics

Technologies we use

Web

Angular, React, TypeScript, JavaScript, SCSS(SASS), HTML

Mobile

Android: Kotlin, Hilt, Kodein, Retrofit2, Room DB, Clean Architecture, Architecture components, MVVM, Google Services, Firebase Cloud services


iOS: Swift, MVVM Realm, RestApiManager/Alamofire

Back-end

Linux: Debian, Ubuntu, CentOS


Programming: PHP, Go, Node.js


Databases: PostgreSQL, MySQL, CouchDB, MongoDB, Redis, ClickHouse


Engines: ElasticSearch, Graylog, Jenkins, Gitlab CI/CD


Brokers: RabbitMQ, ActiveMQ, AmazonMQ


Technologies: Docker, Kubernetes, Swarm


Platforms: AWS, DigitalOcean, Linode, Rackspace


Security: AWS Groups, HaProxy Firewall, Suricata, CloudFlare

Cases

Sansera

visit site

Legally: Sansera OU, Estonia. A company with a license to operate with crypto assets.


Technically: based on Stellar.


Status: platform deployed. Several projects on business tokenization have been implemented.

Sold to a new investor in 2021.

Paylar

visit site

Legally: UAB Uplata EU, Lithuania. A company with an EMI license from the Bank of Lithuania.


Opportunities implemented: SWIFT (direct participation), SEPA (direct participant of Centrolink), Target2, correspondent accounts with the Bank of Lithuania and EU commercial banks.


Status: the company successfully operates in the market and develops.

Visa insha

Visa card review

Legally: the project was implemented on the basis of Forteks-Finance LLC (a financial company with license to transfer money without opening an account issued by National Bank of Ukraine). Implemented in partnership and with the support of Visa. Obtained the status of Visa Strategic Partner.


The essence of the project is the issuance of an instant prepaid card and its distribution through retail chains, convenience stores, the Internet and in virtual form. Target audience — unbanked population, children, innovators. The project is supported by Visa as one of the key ones in the financial inclusion program in Ukraine.


Result for 7 months of sales: more than 55,000 active cards; more than 2,000 points of sale; the status of the Best prepaid product in CEMEA Region (according to Visa).


Status: the project was closed due to the sudden closure of the electronic money market by the National Bank of Ukraine.

uplata.ua and uplata processing

visit site

Google Play

App Store

Status: the product is successfully working on the market. The mobile application on the market operates under the TM City24.

Legally: the project was implemented on the basis of Forteks-Finance LLC (a financial company with license to transfer money without opening an account issued by National Bank of Ukraine).


Technically: the payment service is built on the basis of proprietary software (the technologies are described above). Consists of several modules. Client side: Web and Mobile (Android, iOS). The software is PCI DSS certified. The front can be customized for the Partner's white label project. Backend can work with several applications at the same time.


The essence of the project: A payment service that provides the ability to make transfers and payments for more than 3,000 services. The mobile application is one of the most functional on the market: payment for services (communal, communications, charity, and much more); QR payments; Р2Р transfers from card to card; PUSH messages; Payment for fuel and storage of coupons; templates; bank card management; account statements and more.


Considering our experience and knowledge of the markets,

we always have in stock several unique investment-attractive business ideas and projects for implementation.

Let's implement

your fintech

dream together

Valeriy Skrypnik

СЕО

+37062589642

+380503184884

Telegram

LinkedIn

Oleksii Aslanov

СTО

+359876587118

+380677648067

Telegram

LinkedIn

2025 © makefin.tech

we do

create the

fintech products

What is fintech

Fintech (gen.) —  technologies that help to manage financial aspects of life and business.  Technologies that make financial management simpler, easier, more reliable, faster.


Fintech is an industry where companies use new financial technologies and solutions to increase competitiveness and improve customer experience.


To create a fintech product, it is necessary to involve a large list of competencies, which in ordinary realities may not be connected in any way.


The industry works with clients' money and is regulated. This implies high requirements for professionals whose competencies are used.

About us

Makefin.tech team is a team of like-minded professionals united with love for creating new fintech products and solutions to simplify the user experience in complex financial matters.  The team pays special attention to the implementation of financial inclusion goals.

We have key competencies for designing, creating, legalizing, bringing to market and promoting the Product.

We want to apply all our experience, ideas and competencies to create your dream Fintech Product.

Our experience and knowledge of the markets allows us to take unconventional approaches, take shortcuts and do it right on the first try.

We are ready to apply our experience, ideas and competencies to create your fintech product of the dream, with high investment attractiveness.

Our results

The key project of the Makefin.tech team is the international fintech project uplata,

launched in Ukraine in 2015.

2016

—

team formation. Launch of the payment site uplata.ua

2017

—

the first uplata payment card with OTP Bank

· possibility to order remotely;

· card management through the site;

· bank without branches.

2018

—

—

status Strategic partner of Visa

uplata was awarded as the Best Fintech Startup of the Year, according to PSM7

2019

—

—

—

UAB Uplata EU, Lithuania (E-money institution) — launch of a division in the EU.

TM Paylar — paylar.com

uplata was awarded as the Best Fintech Startup of the Year, according to PSM7

2020

—


—


—

launch of the blockchain project sansera.com (Sansera OU).

Sansera is an asset tokenization crypto platform

Market launch of the Visa insha card from uplata. The best prepaid card in Ukraine (according to Visa)

partnership with the national payment system City24

2021

—

—

market launch of city24 app and payment card City24

creating of the concept of "The uniform City24": ATM + Mobile + Web + Cash-in terminals

The company created and implemented projects in-house, from scratch.

What we can

Administrative competencies

—

—

—

—

—

—

—

Obtaining a financial license in Ukraine and interaction with the regulator.

Obtaining a financial license in the EU and interaction with the regulator.

Creation and launch of Card Projects.

Building processes, launching and administering the normal activities of a financial company.

Building accounting and reporting.

Creation of normative documentation and its updating (Ukraine; EU).

Business competencies

—

—

—

—

—

—

—

—

Product development (from concept to marketing plan).

Creation of technical specifications for development.

Building sales networks.

Building sales support.

Creation of customer support.

Development and implementation of a marketing strategy.

Bringing a new product to market.

Building partnerships

IT competencies

—

—

—

—

—

—

Implementation of all stages of project development.

Preparation and implementation of server architecture of any complexity.

Design and structuring of databases of different levels.

Construction of interface diagrams, APIs, internal and external connections.

Creating native mobile applications..

Audit and optimization of existing projects, security analytics

Technologies we use

Web

Angular, React, TypeScript, JavaScript, SCSS(SASS), HTML

Mobile

Android: Kotlin, Hilt, Kodein, Retrofit2, Room DB, Clean Architecture, Architecture components, MVVM, Google Services, Firebase Cloud services


iOS: Swift, MVVM Realm, RestApiManager/Alamofire

Back-end

Linux: Debian, Ubuntu, CentOS


Programming: PHP, Go, Node.js


Databases: PostgreSQL, MySQL, CouchDB, MongoDB, Redis, ClickHouse


Engines: ElasticSearch, Graylog, Jenkins, Gitlab CI/CD


Brokers: RabbitMQ, ActiveMQ, AmazonMQ


Technologies: Docker, Kubernetes, Swarm


Platforms: AWS, DigitalOcean, Linode, Rackspace


Security: AWS Groups, HaProxy Firewall, Suricata, CloudFlare

Cases

Sansera

visit site

Legally: Sansera OU, Estonia. A company with a license to operate with crypto assets.


Technically: based on Stellar.


Status: platform deployed. Several projects on business tokenization have been implemented.

Sold to a new investor in 2021.

Paylar

visit site

Legally: UAB Uplata EU, Lithuania. A company with an EMI license from the Bank of Lithuania.


Opportunities implemented: SWIFT (direct participation), SEPA (direct participant of Centrolink), Target2, correspondent accounts with the Bank of Lithuania and EU commercial banks.


Status: the company successfully operates in the market and develops.

Visa insha

Visa card review

Legally: the project was implemented on the basis of Forteks-Finance LLC (a financial company with license to transfer money without opening an account issued by National Bank of Ukraine). Implemented in partnership and with the support of Visa. Obtained the status of Visa Strategic Partner.


The essence of the project is the issuance of an instant prepaid card and its distribution through retail chains, convenience stores, the Internet and in virtual form. Target audience — unbanked population, children, innovators. The project is supported by Visa as one of the key ones in the financial inclusion program in Ukraine.


Result for 7 months of sales: more than 55,000 active cards; more than 2,000 points of sale; the status of the Best prepaid product in CEMEA Region (according to Visa).


Status: the project was closed due to the sudden closure of the electronic money market by the National Bank of Ukraine.

uplata.ua and uplata processing

visit site

Google Play

App Store

Legally: the project was implemented on the basis of Forteks-Finance LLC (a financial company with license to transfer money without opening an account issued by National Bank of Ukraine).


Technically: the payment service is built on the basis of proprietary software (the technologies are described above). Consists of several modules. Client side: Web and Mobile (Android, iOS). The software is PCI DSS certified. The front can be customized for the Partner's white label project. Backend can work with several applications at the same time.


The essence of the project: A payment service that provides the ability to make transfers and payments for more than 3,000 services. The mobile application is one of the most functional on the market: payment for services (communal, communications, charity, and much more); QR payments; Р2Р transfers from card to card; PUSH messages; Payment for fuel and storage of coupons; templates; bank card management; account statements and more.


Status: the product is successfully working on the market. The mobile application on the market operates under the TM City24.

Considering our experience and knowledge of the markets,

we always have in stock several unique investment-attractive business ideas and projects for implementation.

Let's implement

your fintech

dream together

Valeriy Skrypnik

СЕО

+37062589642

+380503184884

Telegram

LinkedIn

Oleksii Aslanov

СTО

+359876587118

+380677648067

Telegram

LinkedIn

2025 © makefin.tech

we do

create the

fintech products

What is fintech

Fintech (gen.) —  technologies that help to manage financial aspects of life and business.  Technologies that make financial management simpler, easier, more reliable, faster.


Fintech is an industry where companies use new financial technologies and solutions to increase competitiveness and improve customer experience.


To create a fintech product, it is necessary to involve a large list of competencies, which in ordinary realities may not be connected in any way.


The industry works with clients' money and is regulated. This implies high requirements for professionals whose competencies are used.

About us

Makefin.tech team is a team of like-minded professionals united with love for creating new fintech products and solutions to simplify the user experience in complex financial matters.  The team pays special attention to the implementation of financial inclusion goals.

We have key competencies for designing, creating, legalizing, bringing to market and promoting the Product.

We want to apply all our experience, ideas and competencies to create your dream Fintech Product.

Our experience and knowledge of the markets allows us to take unconventional approaches, take shortcuts and do it right on the first try.

We are ready to apply our experience, ideas and competencies to create your fintech product of the dream, with high investment attractiveness.

Our results

The key project of the Makefin.tech team is the international fintech project uplata,

launched in Ukraine in 2015.

2016

—

team formation. Launch of the payment site uplata.ua

2017

—

the first uplata payment card with OTP Bank

· possibility to order remotely;

· card management through the site;

· bank without branches.

2018

—

—

status Strategic partner of Visa

uplata was awarded as the Best Fintech Startup of the Year, according to PSM7

2019

—

—

—

UAB Uplata EU, Lithuania (E-money institution) — launch of a division in the EU.

TM Paylar — paylar.com

uplata was awarded as the Best Fintech Startup of the Year, according to PSM7

2020

—


—

—

launch of the blockchain project sansera.com (Sansera OU).

Sansera is an asset tokenization crypto platform

Market launch of the Visa insha card from uplata. The best prepaid card in Ukraine (according to Visa)

partnership with the national payment system City24

2021

—

—

market launch of city24 app and payment card City24

creating of the concept of "The uniform City24": ATM + Mobile + Web + Cash-in terminals

The company created and implemented projects in-house, from scratch.

What we can

Administrative competencies

—

—

—

—

—

—

Obtaining a financial license in Ukraine and interaction with the regulator.

Obtaining a financial license in the EU and interaction with the regulator.

Creation and launch of Card Projects.

Building processes, launching and administering the normal activities of a financial company.

Building accounting and reporting.

Creation of normative documentation and its updating (Ukraine; EU).

Business competencies

—

—

—

—

—

—

—

—

Product development (from concept to marketing plan).

Creation of technical specifications for development.

Building sales networks.

Building sales support.

Creation of customer support.

Development and implementation of a marketing strategy.

Bringing a new product to market.

Building partnerships

IT competencies

—

—

—

—

—

—

Implementation of all stages of project development.

Preparation and implementation of server architecture of any complexity.

Design and structuring of databases of different levels.

Construction of interface diagrams, APIs, internal and external connections.

Creating native mobile applications.

Audit and optimization of existing projects, security analytics

Technologies we use

Web

Angular, React, TypeScript, JavaScript, SCSS(SASS), HTML

Mobile

Android: Kotlin, Hilt, Kodein, Retrofit2, Room DB, Clean Architecture, Architecture components, MVVM, Google Services, Firebase Cloud services


iOS: Swift, MVVM Realm, RestApiManager/Alamofire

Back-end

Linux: Debian, Ubuntu, CentOS


Programming: PHP, Go, Node.js


Databases: PostgreSQL, MySQL, CouchDB, MongoDB, Redis, ClickHouse


Engines: ElasticSearch, Graylog, Jenkins, Gitlab CI/CD


Brokers: RabbitMQ, ActiveMQ, AmazonMQ


Technologies: Docker, Kubernetes, Swarm


Platforms: AWS, DigitalOcean, Linode, Rackspace


Security: AWS Groups, HaProxy Firewall, Suricata, CloudFlare

Cases

Sansera

visit site

Legally: Sansera OU, Estonia. A company with a license to operate with crypto assets.


Technically: based on Stellar.


Status: platform deployed. Several projects on business tokenization have been implemented.

Sold to a new investor in 2021.

Paylar

visit site

Legally: UAB Uplata EU, Lithuania. A company with an EMI license from the Bank of Lithuania.


Opportunities implemented: SWIFT (direct participation), SEPA (direct participant of Centrolink), Target2, correspondent accounts with the Bank of Lithuania and EU commercial banks.


Status: the company successfully operates in the market and develops.

Visa insha

Visa card review

Legally: the project was implemented on the basis of Forteks-Finance LLC (a financial company with license to transfer money without opening an account issued by National Bank of Ukraine). Implemented in partnership and with the support of Visa. Obtained the status of Visa Strategic Partner.


The essence of the project is the issuance of an instant prepaid card and its distribution through retail chains, convenience stores, the Internet and in virtual form. Target audience — unbanked population, children, innovators. The project is supported by Visa as one of the key ones in the financial inclusion program in Ukraine.

Result for 7 months of sales: more than 55,000 active cards; more than 2,000 points of sale; the status of the Best prepaid product in CEMEA Region (according to Visa).


Status: the project was closed due to the sudden closure of the electronic money market by the National Bank of Ukraine.

uplata.ua and uplata processing

visit site

Google Play

App Store

Status: the product is successfully working on the market. The mobile application on the market operates under the TM City24.

Legally: the project was implemented on the basis of Forteks-Finance LLC (a financial company with license to transfer money without opening an account issued by National Bank of Ukraine).


Technically: the payment service is built on the basis of proprietary software (the technologies are described above). Consists of several modules. Client side: Web and Mobile (Android, iOS). The software is PCI DSS certified. The front can be customized for the Partner's white label project. Backend can work with several applications at the same time.


The essence of the project: A payment service that provides the ability to make transfers and payments for more than 3,000 services. The mobile application is one of the most functional on the market: payment for services (communal, communications, charity, and much more); QR payments; Р2Р transfers from card to card; PUSH messages; Payment for fuel and storage of coupons; templates; bank card management; account statements and more.


we always have in stock several unique investment-attractive business ideas and projects for implementation.

Considering our experience and knowledge of the markets,

Let's implement

your fintech

dream together

Valeriy Skrypnik

СЕО

+37062589642

+380503184884

Telegram

LinkedIn

Oleksii Aslanov

СTО

+359876587118

+380677648067

Telegram

LinkedIn

2025 © makefin.tech