We build financial infrastructure: payment flows across cards, bank rails and local methods; KYC, AML and sanctions screening; escrow and segregated client funds; double-entry ledgers; automated distributions; and the audit trail that has to hold up when a regulator or an auditor asks. Including investment and asset-tokenization platforms, built with a blockchain or entirely without one.
Exelero builds financial software: payment integration across cards, SEPA, SWIFT, ACH, open banking and local payment methods; KYC, AML, sanctions and PEP screening workflows; escrow and segregated client-money handling; double-entry ledger systems; automated distribution and payout engines; reconciliation tooling; and regulatory reporting.
We also build investment and asset platforms, including fractional ownership and real-world asset tokenization — issued as permissioned security tokens on a blockchain, or recorded in an internal registry with no blockchain in the investor experience. Engagements run as fixed-scope builds with handover, as a dedicated team, or as an architecture and compliance-readiness review.
Financial software is judged by what happens in the failure cases. A payment that succeeds at the processor and fails in your database. A refund issued twice. A distribution that rounds in your favour across ten thousand accounts. A reconciliation that doesn’t balance and no way to find out why. None of these appear in a demo and all of them are existential.
Correctness is not enough either — you have to be able to prove correctness, months later, to someone hostile. That means immutable audit trails, deterministic reprocessing, and a ledger that is the source of truth rather than a report generated from one.
Card acquiring, 3D Secure and SCA, SEPA, SWIFT, ACH and Faster Payments, open banking initiation and account information, local and regional payment methods, wallets and stored value, recurring billing, refunds and chargeback handling, multi-currency and FX, payout rails.
KYC and identity verification with document and liveness checks, AML transaction monitoring with rules engines, sanctions and PEP screening with ongoing rescreening, investor accreditation and suitability, per-jurisdiction eligibility, compliance case management, regulatory reporting, FATCA and CRS data capture, complete immutable audit trails.
Double-entry ledger design, segregated client-money and escrow structures, balance and position tracking, day-accurate proration, distribution and waterfall engines including preferred returns and hurdles, fee engines, reconciliation against bank and processor statements, deterministic reprocessing.
Investment and asset platforms, marketplace payment flows with split settlement, lending and credit workflows, treasury and back-office tooling.
Asset fragmentation with configurable supply, pricing, holding limits and lockups; primary offerings with escrow and automatic refund on failed raises; secondary markets with transfer restrictions enforced automatically; day-accurate income distribution across ownership changes; and two ways to record ownership — permissioned security tokens with compliance enforced in the contract, or an internal double-entry registry with a tamper-evident audit log and no blockchain anywhere in the user experience. Most clients start off-chain and keep the option to migrate.
We build in 8–12 weeks from scope to launch, and the reason is structural rather than heroic. We start from foundations we’ve already built rather than an empty repository. Scope is fixed in the first two weeks, so nothing is renegotiated in month three. One team covers the whole stack, so the integration problems that usually consume a schedule never become somebody else’s department. And we decide what to leave out — the version that ships is the one that tests what you actually need to know.
Payments and compliance builds run to the standard window. Tokenized deployments add time for smart contract audit and custody setup, which we quote separately rather than hiding in the headline number.
Speed is not a discount on quality. It’s what happens when the parts that are the same for every client are already done.
Two to four weeks. Rails, ledger design, compliance vendor selection, and an honest assessment of what your regulatory position requires from the software. Delivered as a document your counsel can read.
Built and handed over with source, infrastructure and documentation.
Our engineers alongside yours, useful when the domain knowledge is the scarce part.
Maintenance and further development on a retainer.
Fintech startups building the first version of a regulated product. Investment and wealth platforms. Marketplaces that need split payments, escrow or delayed settlement. Lenders and credit providers. Real estate and alternative asset platforms. Established financial businesses replacing manual back-office processes. Companies whose product has outgrown a payment processor’s built-in features.
8–12 weeks from scope to launch. That’s possible because we start from foundations already built rather than an empty repository, fix scope in the first two weeks, and run one team across the whole stack. Scoping gives you a firm date in week two rather than an optimistic one on day one.
No, and be careful with anyone who says they do. We build software that enforces the rules your counsel and your regulator define, and we work alongside your legal advisers to make sure the implementation matches what they’ve approved.
Whichever fit your markets and economics — Stripe, Adyen, Checkout.com, regional acquirers, banking-as-a-service providers and direct bank integrations. Provider choice is driven by your corridors, your fee structure and your licensing position, so we scope it rather than defaulting.
Both are reasonable depending on volume, product complexity and how much control you need over the accounting model. We’ll give you the honest answer for your case, including when the answer is that you don’t need us to build one.
No. Fractional ownership is a legal and record-keeping structure that long predates blockchains — SPVs, fund units and share registers do the same job. Tokenization adds atomic settlement, an independently verifiable register, compliance enforced at the transfer layer and cross-border stablecoin flows, which matter in some markets and are unnecessary in others. We build both, and the migration path between them.
You do, through your own banking, escrow and payment relationships. The platform orchestrates the flows and keeps the record. We never sit in the middle of your funds.
Yes. We start with an audit focused on the ledger, the reconciliation position and the audit trail, because those are where the expensive problems hide.
Yes. Source code, infrastructure and documentation transfer to you on handover. No licence, no lock-in.
Bring the flows, the markets and the regulatory position. We’ll come back with an architecture, a scope and a timeline.