Ship fintech products that scale and pass the regulator.
We engineer payments, lending and embedded finance products with AI scoring, fraud controls and open banking connections built in, so a young product can grow without a rebuild or a compliance scramble.
تطوير حلول التقنية المالية بالذكاء الاصطناعي في السعودية
نساعد الشركات الناشئة والمؤسسات المالية على بناء منتجات المدفوعات والإقراض الرقمي والتمويل المضمن، مع نماذج تقييم ائتماني وضوابط احتيال وتكامل مع الخدمات المصرفية المفتوحة، بتطبيقات عربية أولاً وبنية جاهزة للتنظيم وقابلة للتوسع.
Problems early and growing fintechs bring to us
Speed versus control
Shipping fast is essential, but regulators, partners and banks expect controls from the first customer.
Credit and fraud risk at scale
Manual underwriting and simple rules stop working as volumes and fraud attempts grow.
Brittle integrations
Each bank, gateway and data source is a separate one-off integration that breaks under load.
Prototype architecture
An architecture that got you to launch cannot always carry ten times the transactions.
Thin trust signals
Partners and investors ask for audit trails, security evidence and clear data handling.
Retention
Acquisition is expensive; customers need a reason to keep transacting.
Build blocks for every fintech vertical
Digital Lending & Scoring
Origination, AI scoring and decision rules for personal, SME and BNPL lending.
Learn more →Payments & Wallet Engineering
Payment flows, ledgers and reconciliation on a scalable, auditable core.
Learn more →Open Banking Integration
Account data and payment initiation through secure, standards-based APIs.
Learn more →Fraud & Risk Analytics
Real-time scoring and monitoring that learns from your own transactions.
Learn more →Arabic-First Mobile Apps
iOS and Android apps with right-to-left design and secure authentication.
Learn more →Rewards & Gamification
Challenges, streaks and points that lift activation and retention.
Learn more →A composable stack that grows with you
Small, API-first services let you add lending, payments or rewards without rewriting what already works.
What a purpose-built stack can change
From idea to live product
- 1
Shape
Define the product, customer journey, partners and the regulatory path.
- 2
Build
Deliver a working core quickly in short sprints, with scoring, payments and integrations as services.
- 3
Harden
Add security testing, monitoring, audit trails and operational runbooks before launch.
- 4
Grow
Scale infrastructure, tune models on live data and add the next product line.
Regulator-ready from the first release
Crux designs and builds against these frameworks. Formal compliance and certification remain the responsibility of the institution and its regulators.
Answered plainly
Do you work with early-stage startups?
Yes. We scope a focused first release so you reach customers quickly, then extend the platform as you grow.
Can you connect us to open banking and payment providers?
Yes. We build and maintain integrations with open banking APIs, gateways and data providers behind a clean service layer.
How is AI used in the product?
Mainly for credit scoring, fraud detection, document checks and personalisation, always with explainable outputs and monitoring.
Will the app support Arabic?
Yes. We design Arabic-first with full right-to-left support alongside English.
Who owns the code?
Ownership and licensing are agreed in the engagement contract; we are happy to discuss options during scoping.
هل تبنون تطبيقات التقنية المالية باللغة العربية؟
نعم، نبني تطبيقات iOS وAndroid بواجهات عربية أولاً تدعم الاتجاه من اليمين إلى اليسار، مع تكامل مع قنوات الدفع المحلية والخدمات المصرفية المفتوحة.
Tell us what you are building
Share your product idea or current stack and we will outline the fastest safe path to a production release.