CRYPTORAIL · 01
~12s
Crypto rails
Stablecoin settlement, finality in seconds — no T+ delays.
VERTICAL · 03 · FINTECH
Money that arrives. Every rail. Every market.
We build the systems behind cross-border payments, crypto rails, and the daily treasury work that has to balance to the penny — for operators who can't afford a missed settlement window.
TREASURY · LIVE
Every rail, reconciled in real time.
The stream on the right is what your treasury team would see at 06:00. Fiat wires, card rails, and crypto settlement all into the same ledger. PEND turns OK in seconds, RECON gets flagged before the books close.
Live demo · representative transactions · your actual data never leaves your tenant.
RECONCILIATION · LIVE99.94%
TREASURY · LIVESTREAMING
01:35:13SWFTREVOL-EU+ $755.09OK
11:19:53SWFTAXIS-EU+ $534.93RECON
05:03:48USDTHSBC-HK+ 773.99 USDTOK
03:59:35USDCSTRP-US+ 421.45 USDCRECON
22:57:04USDTBINANCE-RT− 93.24 USDTOK
21:54:08FEDNWISE-GBP− $314.23RECON
22:29:59USDCSTRP-US+ 72.68 USDCRECON
SETTLEMENT · WINDOWS
The speed of money, laid bare.
We're rail-agnostic by design. The right rail for the right movement — not whichever rail the legacy stack happens to support.
CARDRAIL · 02
T+1
Card rails
Authorise in milliseconds, batch settles next business day.
FIATRAIL · 03
1–3d
Fiat wires
SWIFT cross-border. SEPA + FedNow trim it to seconds.
WHAT WE BUILD
Three pillars of fintech infrastructure.
01 · CROSS-BORDER
Cross-border payments that don't sit in correspondent purgatory.
Multi-currency settlement with FX baked in. Direct rails where they exist (FedNow, SEPA Instant), correspondent wires where they don't, with full chain of custody visible to your treasury team.
02 · CRYPTO RAILS
Crypto rails for institutions that can't get the security wrong.
Stablecoin settlement (USDC, USDT, EURC, PYUSD, DAI), cold-storage custody integrations, on/off-ramps with KYC built in. Held to the same audit bar as your fiat rails.
03 · TREASURY
Treasury and reconciliation that closes the day on the day.
Daily close on the day, not the week. Every entry sourced, every adjustment signed, every variance investigated. The kind of treasury practice your auditor stops worrying about.
RAILS · ONE ORCHESTRATOR
Every rail you'd want. Under one orchestration.
We don't pick favourite rails. We pick the right rail per movement, abstract them so your engineers don't, and surface the lot to your treasury team as one ledger.
FIAT
SWIFTwire · cross-borderSEPAeuro · instantFedNowus · instantACHus · batchBACSuk · batchCHAPSuk · same-dayFasteruk · instantWireintl · 1-3 daysSWIFTwire · cross-borderSEPAeuro · instantFedNowus · instantACHus · batchBACSuk · batchCHAPSuk · same-dayFasteruk · instantWireintl · 1-3 days
CARD
Visacard · push + pullMastercardcard · push + pullAmexcard · b2bDiscovercard · pushVisacard · push + pullMastercardcard · push + pullAmexcard · b2bDiscovercard · push
CRYPTO
USDCstablecoin · ethereumUSDTstablecoin · multi-chainEURCstablecoin · euroPYUSDstablecoin · paypalDAIstablecoin · multi-chainBTCsettlement · custodialETHsettlement · custodialSOLsettlement · fastUSDCstablecoin · ethereumUSDTstablecoin · multi-chainEURCstablecoin · euroPYUSDstablecoin · paypalDAIstablecoin · multi-chainBTCsettlement · custodialETHsettlement · custodialSOLsettlement · fast
Subset shown. Full list per engagement, sized to your real-world flow.
OPERATING NOTES
What we've learned, written down.
Short notes from live engagements — published so other operators can borrow the lessons without re-paying for them.
WHITE PAPER · 01
KYC and AML that don't grind onboarding to a halt
How to layer verification by risk tier, so 80% of customers clear in seconds and the high-risk 20% gets the human review they actually need.
Read note
WHITE PAPER · 02
Audit-ready by default, not by sprint
Every transaction, every change, every approval — sealed and signed at the moment it happens. Why the audit-after-the-fact model is finally over.
Read note
WHITE PAPER · 03
Payment orchestration without rail favouritism
The bill of materials for a real rail-agnostic stack — and how it pays back inside one quarter on cross-border alone.
Read noteWHITE PAPER · 01
KYC and AML that don't grind onboarding to a halt
How to layer verification by risk tier, so 80% of customers clear in seconds and the high-risk 20% gets the human review they actually need.
Read noteWHITE PAPER · 02
Audit-ready by default, not by sprint
Every transaction, every change, every approval — sealed and signed at the moment it happens. Why the audit-after-the-fact model is finally over.
Read noteWHITE PAPER · 03
Payment orchestration without rail favouritism
The bill of materials for a real rail-agnostic stack — and how it pays back inside one quarter on cross-border alone.
Read noteBUILT TO THE REGULATOR'S BAR
Your stack passes the audit that comes for you.
We ship to the certifications your regulators and your buyers will name in their first email — and we treat them as a baseline, not a marketing badge.
CERTIFICATE01 · CARD HANDLING
PCI-DSS L1
PCI-DSS Level 1 — the audit, not the self-assessment.
Annual external QSA assessment. Card data tokenised at the edge, never on your application layer, never in your logs.
AUDITED
Q1 · 2026
CERTIFICATE02 · OPERATIONAL TRUST
SOC 2 TYPE II
SOC 2 Type II — twelve months of evidence, not a snapshot.
Continuous control monitoring, evidence captured automatically, ready for your enterprise procurement team's first ask.
AUDITED
Q2 · 2026
CERTIFICATE03 · INFORMATION SECURITY
ISO 27001
ISO/IEC 27001 — the international information-security frame.
ISMS in place, asset-register live, risk register reviewed quarterly, statement of applicability current.
AUDITED
Q3 · 2026
CERTIFICATE04 · EU COMPLIANCE
PSD2 · OPEN BANKING
PSD2 + UK Open Banking — built-in, not bolted-on.
Strong Customer Authentication flows, AISP/PISP integration patterns, dynamic linking on every transaction.
AUDITED
Q4 · 2026
AI IN FINTECH
AI in the trade, never in the seat of judgement.
We integrate AI where it sharpens the human decision — fraud signal, AML triage, treasury optimisation — and we keep the final-call with the licensed human. Every recommendation cites its source.
01
MS
<50
Fraud signal, not fraud verdict
Real-time scoring on every transaction, surfaced alongside the rule chain that fired. The analyst sees the model's confidence and the evidence — they sign off, the system doesn't.
02
TRIAGE LIFT
12×
AML triage that respects the regulator
ML-assisted suspicious-activity flagging that hands the case to the compliance team with a populated SAR draft — never auto-submits, always reviewed.
03
TRACEABLE
100%
Treasury optimisation with citations
Cash-position projections, FX-window suggestions, idle-balance sweeps — each one surfaced with the data it leaned on. If we can't explain the recommendation, we don't ship it.
FUNDS & DATA · COVENANT
Money and customer data are sacred. We treat both that way.
Encryption at rest, encryption in transit, audit trail per read and per write, segregation of duties enforced at the platform layer. Your customer data and your money flows stay in your tenant, on your infrastructure, under your control.
signed, the Hylen covenant
DUAL-CONTROL
Two-person rule, by default.
Every monetary movement over your set threshold requires two distinct authorised humans. The platform enforces it — the policy can't be bypassed by a junior copying a senior's session.
TENANT-LOCAL
Single-tenant, your-keys-only.
Your customer data and transaction history live in your tenant, encrypted with keys you control. Hylen never holds customer financial data on shared infrastructure.
IMMUTABLE-AUDIT
Append-only audit log of everything.
Every read, every write, every approval, every override — written to an immutable, tamper-evident log. Replayable by your compliance team without involving us.
BREACH · PLAYBOOK
Breach playbook signed before day one.
We sign the notification timelines and runbook BEFORE the engagement starts, not after. Your regulator and your customers find out fast — that's the whole point.
WHY THIS MATTERS
“Fintech doesn't fail at the happy path. It fails at the audit, at the reversal, at the rail that went down on a Tuesday. The system you ship is the one that survives those days.”
Operating principle · 11
STATUS · OPEN
The door is open this quarter.
Three fintech engagements still available. First conversation is on us. We respond within four business hours.