What Kindgeek does

Kindgeek is a Ukraine-headquartered fintech software development firm founded in 2015 in Lviv by Yuriy Gnatyuk and Anton Skrypnyk. The company delivers full-cycle product engineering for regulated financial services clients, combining custom software development, dedicated/embedded engineering teams, white-label fintech infrastructure, AI transformation, and advisory/audit services. Its stated scale metrics include 11+ years in fintech, 100+ regulated projects delivered, and €10B+ in transaction value processed through client products. The team has grown to roughly 211–213 specialists, operating from a Lviv headquarters and a London sales office serving UK, European, Middle Eastern, and North American markets.

The core technology stack centers on a cloud-based, API-first white-label core banking platform built in partnership with SDK Finance, exposing 400+ RESTful APIs with built-in RBAC, audit trails, SCA, AML, KYC, and reporting. This is complemented by a white-label personal finance management (PFM) platform for iOS/Android and two proprietary AI products: WiseWallet (an AI-powered PFM app offered as a white-label product, launched 2024) and Easyflow (an AI automation platform for business operations, launched 2025). Kindgeek positions itself as "AI-native," embedding AI across design, code review, compliance testing (automated PCI DSS, DORA, GDPR checks in pull requests), and client-facing product features such as transaction anomaly detection, fraud scoring, and KYC document verification, though product-embedded AI relies on fine-tuned third-party LLMs rather than proprietary models. The firm holds ISO 27001:2023 and ISO 9001:2015 certifications and markets PCI DSS, GDPR, and PSD3 compliance.

The business model is services-led and relationship-driven: revenue derives primarily from professional services (custom development, team augmentation, AI transformation, advisory) plus white-label platform licensing and implementation fees. Pricing is custom/quote-based with no publicly disclosed tiers, typically structured around project scope and team composition under multi-year contracts. Go-to-market is enterprise field sales anchored by the London office and a consultative discovery-phase motion, with 70% of clients arriving via referrals and average partnerships lasting 2+ years. Customers are predominantly licensed and regulated fintechs and global enterprises, including Decta, payabl., Jaja Finance, HyperJar, Tradeshift, EasyMoney, stc pay, RemoFirst, Telefónica, and the University of Basel. No external funding rounds or institutional ownership have been disclosed; the founders retain operational leadership.

Name

Kindgeek

Legal name

Kindgeek

Website

https://kindgeek.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

101–250 employees

Short description

Kindgeek is a Lviv-based fintech software development firm providing full-cycle engineering, white-label core banking and PFM platforms, embedded teams, and AI transformation services to licensed fintechs and global enterprises across Europe, the Middle East, and North America.

Ownership category

akta.pro rank

Headquarters

HQ city

Lviv

HQ country

Ukraine

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales

Revenue model

1. Custom Software Development: Full-cycle custom fintech software development from architecture, compliance, and user experience to deployment. Includes mobile, web, back-end, cloud engineering, FinOps, QA automation, and product design.
2. White-Label Platform Licensing: Deploy pre-built fintech infrastructure including neobank, core payments, PFM under client brand. Revenue generated from licensing and implementation fees.
3. Dedicated Fintech Teams: Team augmentation services providing engineers, designers, QA, DevOps, and product specialists embedded into client roadmap. Full teams, individual experts, long-term or project-based engagements.
4. AI Transformation Services: AI integration, discovery, and transformation services including embedding AI agents, copilots, and ML pipelines into existing fintech products with audit and compliance.
5. Advisory & Consulting: Architecture reviews, compliance assessments, software audits, and strategic consulting services. Independent expertise for clients starting new products, scaling existing ones, or evaluating current solutions.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels8 records

Core offering

Kindgeek provides full-cycle custom fintech software development, white-label banking and PFM platforms, and dedicated fintech engineering teams for licensed financial companies and global enterprises. The company combines AI-native engineering practices with regulatory compliance expertise (PCI DSS, PSD2/3, DORA, GDPR) to build, accelerate, and scale regulated fintech products from architecture through production go-live.

Product overview

Kindgeek is an AI-native fintech software development company offering a modular platform-plus-services architecture. The core offering consists of a White-Label Core Banking Platform (with 400+ RESTful APIs) complemented by a White-Label PFM (Personal Finance Management) Platform. The company also offers two proprietary products: Easyflow (AI automation platform for business operations) and WiseWallet (AI-powered personal finance management app available as white-label). Services include custom software development, team augmentation, product design, discovery phase services, and domain-specific development for money transfer, crypto/blockchain, general ledger, digital wallet, integrations, and invoicing software. The platform is built for compliance with PSD3, PCI DSS, GDPR, and DORA, with 11+ years in fintech and 100+ regulated projects delivered.

Differentiator

Problem solved

Functional benefit

Brands

• WiseWallet: AI-powered personal finance management app for monitoring spending, tracking tendencies, setting savings goals and budgeting
• Easyflow

Products and services

• White-Label Core Banking Platform Cloud-based SaaS fintech platform built in partnership with SDK Finance that serves as a foundation for digital finance products. Offers 400+ RESTful APIs with built-in RBAC, audit trails, SCA, reporting, AML, and KYC, deployed under client brand.
• White-Label PFM Platform White-label personal finance management app for iOS and Android that enables clients to deliver financial management services under their own brand. Includes transaction management, budgeting tools, bank synchronization, and AI assistant integration.
• Easyflow AI automation platform that streamlines business operations by deploying intelligent agents that handle repetitive tasks across marketing, HR, finance, and operations.
• WiseWallet AI-powered personal finance management app helping users monitor spending, track tendencies, set savings goals, and manage budgets. Available as a white-label product for fintechs, banks, and startups.
• Custom Software Development Services Full-spectrum custom software development covering enterprise software, web development, mobile development, cloud-based solutions, AI and ML services, digital transformation, and legacy system modernization.
• Team Augmentation Services Software team augmentation service providing pre-vetted specialists including software engineers, designers, project managers, business analysts, and DevOps engineers for fintech projects, available as full teams or individual experts.
• AI Transformation Services Two-track AI services covering internal operational AI workflows and product-embedded AI capabilities including document verification, transaction monitoring, and predictive analytics for fintech products with full audit and compliance.
• Software Audit Services Comprehensive IT audit services including product audit, design audit, marketing strategy audit, architectural and technological audit, infrastructure audit, quality assurance audit, delivery process audit, and AI approach audit.
• Digital Product Design Services Comprehensive design services from research and ideation through wireframing, visual design, to development and support, offered as MVP, Product, and Product in Live packages.
• Discovery Phase Services Product discovery and strategy services including product audit, product discovery, feasibility assessment, prototyping, and validation, typically conducted over 3-4 weeks with tiger team composition.
• Crypto Services Development Full-cycle cryptocurrency and blockchain development including custom blockchain integration, smart wallet development, smart contract development, DeFi platform development, NFT development, and private HyperLedger development.
• Money Transfer Software Development Custom money transfer software development with features including balance management, P2P transfers, bill payments, currency exchange, scheduled payments, and security compliance.
• Digital Wallet Software Development Custom digital wallet development with features including budget planning, financial management, customizable cards, P2P transfers, currency exchange, scheduled payments, and multi-factor verification.
• General Ledger Software Development Custom general ledger accounting software development for automating core accounting processes with customizable chart of accounts, multi-currency engine, automated journal entries, and advanced reporting.
• Invoicing Software Development Custom invoicing software development with automated invoice generation, recurring billing, expense tracking, payment reminders, real-time financial reporting, and multi-currency support.
• Integration Hub Services Integration services providing connections to card schemes, messaging systems, loyalty systems, e-wallets, accounting systems, and payment gateways for financial operations.

Quantifiable outcome

• €10B+ processed through client products
• +3 more outcomes

Named customers10 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration46 records

AI capability10 records

Feature6 records

Partnerships

Two partnerships are on record, tiered core.

• SDK FinancecoreTechnology or IntegrationIn partnership with SDK Finance, Kindgeek offers a customer-centric, cloud-based SaaS fintech solution to serve as a foundation for digital finance products. The customizable white-label core allows clients to build on top of it and create unique customer experiences.
• Salt EdgecoreTechnology or IntegrationOpen banking partnership for boosting delivery of open banking solutions. Kindgeek and Salt Edge formed partnership to enable enhanced open banking capabilities for clients.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• EPAM Systems: A large global engineering services firm with a strong fintech practice and significant Ukrainian delivery presence. Competes with Kindgeek for enterprise fintech development and team augmentation engagements, though at substantially greater scale.
• Mambu: A leading SaaS core banking platform serving fintechs and neobanks globally. Sits one layer up from Kindgeek as a platform vendor, but competes for the same regulated-fintech buyers' technology budgets.
• SoftServe: A major Ukraine-headquartered IT services company with a dedicated financial services practice offering custom software development and digital banking solutions. Directly comparable geography, scale and fintech focus to Kindgeek.
• 10x Banking: Cloud-native core banking platform for challenger and incumbent banks. Comparable buyer overlap with Kindgeek's licensed-fintech client base and adjacent value proposition in the core-banking stack.

Direct peers

• Itexus: A fintech software development vendor with a comparable portfolio of white-label lending, digital banking and PFM solutions for regulated clients. Similar size and scope to Kindgeek with overlapping customer profiles.
• SDK Finance: Core-banking-as-a-service platform that powers Kindgeek's white-label offering. Both companies operate in the same white-label banking/BaaS niche and share a strategic partnership.
• N-iX: A Ukraine-based software development and team augmentation company with a financial services vertical. Overlaps with Kindgeek on fintech custom development, dedicated teams and regulated-platform builds for European and US clients.
• Brocoders: A Ukraine-origin fintech software development firm offering custom fintech product engineering and team augmentation. Closely comparable in size, focus and delivery model to Kindgeek.
• Geniusee: A Ukraine-based software development company with a dedicated fintech practice providing custom development, team augmentation and white-label solutions. Closely comparable in geography, fintech focus and delivery model.

Emerging players

• Sumatosoft: A custom software development firm with fintech and finance vertical expertise, offering web and mobile development for financial products. Overlaps with Kindgeek on fintech engineering and dedicated teams, generally serving smaller-scope engagements.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/kindgeeks
• YouTubeyoutube.com/@kindgeek2737
• Facebookfacebook.com/kindgeek
• LinkedInlinkedin.com/company/kindgeek
• Instagraminstagram.com/kindgeeks

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Kindgeek