A European payments and clearing infrastructure operator needed country-scale instant payments aligned with SEPA Instant Credit Transfer — real-time settlement, 24/7/365 uptime, multi-bank integration, and regulator-grade security. We acted as the technology partner translating business and regulatory requirements into a live platform.
SEPA Instant Credit Transfer defines the bar: end-to-end settlement in seconds, 24/7/365 availability, reach across every domestic bank, and regulatory and security controls that satisfy both domestic and European oversight.
At country scale, that meant real-time processing without batch-window assumptions, continuous uptime with no scheduled downtime, clean integration with every bank's existing systems, and full reconciliation and audit trails against operational incidents.
On top of the technical scope, the programme had to coordinate participating banks, the regulator, and multiple vendors — all with high expectations on performance and stability.
The programme succeeds or fails on the quality of translation between regulatory and business requirements and the engineering choices made at the implementation layer. Senior engineers worked alongside the operator's teams on architecture, integration, and production readiness.
Major technical and business decisions ran through joint design and review sessions with the operator — with Kodelab responsible for making sure those decisions held up to the regulatory, performance, and availability obligations that govern this class of payments infrastructure.
The platform went live as a country-scale instant payments infrastructure — credit transfers between participating banks clear in seconds, not hours, and the system runs continuously with no scheduled downtime.
The domestic bank ecosystem is unified onto a single real-time payments surface rather than a patchwork of bilateral arrangements. The same platform supports the roadmap for next-generation services including request-to-pay and open banking use cases that assume real-time settlement.
Real-time settlement is what unlocks the rest of the modern digital economy — payroll that moves as work ends, merchant payments that clear before the customer leaves, government transfers that arrive the same day.
The platform puts the market on the real-time economy rails that European interoperability and the next generation of open banking use cases depend on — infrastructure that keeps compounding in value with every service layered on top.
30 minutes. No pitch deck. Scope, timeline, and an honest read on fit.
A top-tier European retail bank inside a major banking group needed a fully digital path for customers to open accounts and contract products online. We designed and built the orchestration back-end that coordinates KYC, AML, scoring, identification, signing, and core banking end to end.
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