Live Open banking infrastructure
Fizen
The open banking backbone behind our other products.
Financial Infrastructure Starts Here.
We help fintechs, banks and Web3 founders design, validate and build compliant financial products – from vision to regulated production systems.
Trusted By
Why Binar
We bridge Business, Regulation & Technology.
Most companies live in only one of these. We operate in all three - daily.
11
Years in Business
100+
Engineers
250+
Projects
15+
Client Countries
Our Approach
Consulting First. Delivery Always.
We don't start with code. We start with understanding your business, your regulatory landscape, and your path to market.
01
Vision & Feasibility
Product design, market logic, regulatory framing, monetization strategy – validated before a single line of code.
02
Architecture & Compliance
MiCA / GENIUS Act / PSD2 / FATF / SOC2 logic embedded into technical design. No surprises at launch.
03
Delivery at Scale
80+ fintech-ready engineers executing under senior fintech consultants. From prototype to production.
Industries we excel in
Banks & Neobanks
Payments & A2A
Open Banking / Open Finance
Crypto & Web3
Lending & Credit
WealthTech
InsurTech
RegTech
Digital Identity
Embedded Finance
iGaming
Debt Collection
Our products
Four regulated products. Built and run by us.
Open banking infrastructure, a MiCA stablecoin, a PSD2 payments app and DLT market infrastructure - built in-house and live in production. It is why we know what the regulator will ask before it asks.
Live 
Live PLN stablecoin · MiCA e-money token
PLT
A Polish zloty stablecoin, 1:1 backed, built for MiCA from day one.
Live Link-to-pay mobile app · PSD2 PIS
PykPay
Poland's first link-to-pay app.
Live MVP DLT infrastructure · capital markets
Bynet
From an order-book DEX on Cardano to a digital-asset network for brokerage houses.
Core Expertise
Deep Fintech & Blockchain Specialization
From regulatory strategy to production systems-we bring specialized expertise across the full spectrum of financial technology.
Banking APIs & Core Integrations
Seamless integration with banking cores, card processors, and networks.
Payments Infrastructure & A2A
Real-time payments, account-to-account transfers, and settlement systems.
Tokenization & Digital Assets
Real-world asset tokenization with legal and technical frameworks.
Open Banking / AISP / PISP
Account information and payment initiation services across EU markets.
Stablecoins & EMT under MiCA
E-money token architecture with full regulatory compliance.
Digital Identity & eIDAS
Identity verification, KYC infrastructure, and eIDAS-compliant solutions.
AI Agents in Finance
Intelligent automation for payments, compliance, and customer service.
Regulatory-native Product Design
Products designed with compliance embedded from day one.
DeFi Protocols & Infrastructure
Decentralized exchanges, lending protocols, and liquidity solutions.
Layer 1 & Layer 2 Development
Custom blockchain networks, rollups, and scaling solutions.
iGaming Payment & Compliance
Payment orchestration, AML/KYC, and responsible gaming for operators.
What We've Built
We Don't Just Consult. We Build.
Open Banking
Fizen - Leading CEE Open Banking Integrator
50+ banks across 7 CEE markets. Thousands of transactions and 10K+ AISP requests daily.
Stablecoins
PLT - PLN-Pegged Stablecoin
Fully regulated stablecoin backed 1:1 by Polish Złoty with institutional-grade reserves.
Blockchain / DAO
GovTool - Cardano Governance
Decentralized governance enabling ADA holders to vote, delegate, and propose network changes.
Digital Payments
Adorsys - Wero Payment Integration
Backend services connecting VR Payment platform with Wero instant payments in Germany.
Open Banking / Payments
PYK - Link-to-Pay Mobile App
Full-stack mobile payment app enabling instant P2P transfers via payment links, built on PSD2/PIS Open Banking infrastructure.
Blockchain / Testing
Brave - Mjolnir Ethereum Testing
High-performance Ethereum testing infrastructure for Brave's crypto wallet, enabling reliable smart contract validation at scale.
Don't outsource your fintech vision. Build it with people who understand it.
Ready to turn your financial product vision into a regulated, production-ready system? Let's talk architecture, compliance, and execution.