Paynoramic is a fintech lab that builds white-label fintech and crypto platforms from a library of proven modules: crypto exchanges, banking and crypto card apps, payment gateways, SoftPOS, stablecoin payments, remittance apps and stock exchanges. Clients own 100% of the delivered platform, with full source code handover, no licensing fees and no revenue share. Ready platforms go live in about 30 days; custom builds take two to three months. We also offer fintech outsourcing and fintech consulting. Headquartered in Dubai, with an office in Bucharest.
Paynoramic is a fintech lab headquartered in Dubai, with an office in Bucharest. We build turn-key fintech and crypto platforms for fintechs, crypto businesses, banks and payment companies, from startups to licensed institutions.
What we build. Every platform is assembled from the same library of modules that already run in production: KYC and AML, authentication, fraud and risk, a double-entry ledger, accounts and IBANs, payouts, FX, card issuing and acquiring, checkout, custody wallets, a matching engine, market data, compliance reporting and an admin backoffice. From these we deliver crypto exchanges, stock trading platforms, banking and family banking apps, business accounts, crypto card apps, payment gateways, SoftPOS, remittance apps, crypto on-ramps, OTC desks, stablecoin payments and gold savings apps. Each module connects to the providers a client already knows, such as Sumsub, Fireblocks and Currencycloud, or to the client's own systems.
How we work. A project takes four steps. In the brief, one call maps the product, the market and the launch date to the modules that already exist. We then configure the platform: we pick the modules, apply the client's brand and set up the client's infrastructure. The platform goes live on the client's domain, with the client's data and under the client's control. At handover, the client receives the source code, the documentation and the keys. A ready platform takes about 30 days; a custom assembly takes two to three months.
Ownership. Clients own 100% of what we deliver. There is no licence fee, no revenue share and no lock-in, unlike rented SaaS white-label products.
Three ways to work with us. Platforms: a ready platform or a custom assembly from our modules. Outsourcing: dedicated fintech and crypto engineers who join the client's team, across mobile, backend, blockchain, QA and DevOps. Consulting: licence readiness for MiCA, VARA or EMI, provider selection, architecture reviews, due diligence, and fractional CTO and CPO support.
Before the first call, buyers can design their own platform in Paynoramic Studio, our free online builder: they pick a starting point, the modules and the providers, and leave with an architecture diagram.
