Product design & engineering studio / Bucharest, EU
Design and engineering for software that can’t afford to fail.
We build the software regulated industries run on: banking, payments, fintech platforms, compliance and commerce. Strategy, design and engineering. One accountable team.
A-001 Site & survey
Question the brief before answering it.
The most expensive mistakes are made before the first line of code. So every engagement starts on site, with a discovery sprint of two to four weeks that surveys the ground before anything is built.
- Q1
Who is it for, and what are they trying to get done?
- Q2
What must never fail, and what happens when it does?
- Q3
Which rules apply: KYC, PSD2, GDPR, retention, disclosure?
- Q4
What will success look like, in numbers you already track?
You leave with Problem framing · research findings · a risk register · a clickable prototype · a costed plan.
S-100 Foundations
What you never see, but everything stands on.
Regulated products are judged on what happens underneath. These commitments sit under every engagement, written into the contract, not the pitch.
- F1
Security by default
Least-privilege access, audit trails, dependency scanning and a secure development lifecycle.
- F2
You own everything
Code, designs and IP are yours from day one.
- F3
EU-based, GDPR-native
Bucharest, Romania. Data and contracts under EU law.
- F4
Ready for audit
Every decision traceable, every change recorded. We design for consent, retention and explainability from the start.
- F5
Accessible by default
WCAG 2.2 AA is the target on every product, not an extra.
- F6
Quality you can inspect
Automated tests, code review, CI, observability, documentation and a clean handover. NDA as standard, with weekly demos and reporting.
- 1
- accountable team
- 0
- hand-offs
- 100%
- IP ownership
- EU
- based, GDPR-native
S-200 The core
One accountable team. No hand-offs.
Strategy, design and engineering rise through one shaft. The senior people who scope the work lead the work, so ideas meet reality the same day instead of at the end of a hand-off.
- C1
Strategy
- C2
Design
- C3
Engineering
Construction sequence
- 01Discover 2–4 weeks
Problem framing, research, risks, a clickable prototype and a plan.
- 02Design
Journeys, interfaces and a design system, validated with users.
- 03Build
Production code from the first sprint: tested, reviewed, documented.
- 04Launch
Release, monitoring and handover.
- 05Evolve
Iterate, scale and support.
Forms of contract and how a project starts: see A-700 Programme.
Remove friction, not people. Faster delivery comes from clearer decisions, not longer hours. Around the core, a vetted network of specialists joins when the work needs more hands, and the core stays accountable.
S-300 Structure
Five capabilities. One frame.
Each floor carries its own load and rests on the one below. Select a floor, here or on the drawing.
- L5
Team extension
Senior design or engineering leads, embedded in your team.
- L4
Platform & delivery
Cloud on AWS, Docker and Kubernetes, CI/CD, observability, quality engineering.
- L3
Engineering
Web front-ends, back-ends and APIs, payments integration, search, identity and access.
- L2
Experience & interface design
UX, UI, interaction design, accessibility and design systems.
- L1
Product strategy & discovery
Problem framing, research, prototypes and roadmaps.
M-400 Systems
Design for failure.
In money flows, a retry must never charge twice. Every service is routed through the core, and we build for the unhappy path first.
- Attempts
- 0
- Charges
- 0
- Idempotency key
- –
The valve at the core checks every request’s key before money moves.
| M1 | Services & APIsJava / Spring Boot, Node.js |
|---|---|
| M2 | PaymentsPSP integrations, Apple Pay, Google Pay, 3-D Secure, reconciliation |
| M3 | Identity & accessOAuth2 / OIDC, Keycloak |
| M4 | Search & dataOpenSearch, Elasticsearch |
| M5 | ObservabilityPrometheus, Grafana |
| M6 | PlatformAWS, Docker, Kubernetes, CI/CD |
A-500 Envelope
The face your customers touch.
The envelope is where structure meets people: journeys, interfaces and design systems that stay consistent across every screen, accessible from the first sketch.
- E1
Journeys & UX
The route a customer takes, from the street to the thing they came for.
- E2
Interface & interaction
Clear screens for decisions that involve money, data and consent.
- E3
Design systems
One module, repeated with discipline across products, brands and markets.
- E4
Accessibility
Step-free by default. WCAG 2.2 AA from the start.
E5Ship the front door first. Release the entry point early and learn from real customers while the rest is built.
A-600 Typologies
Same core. Different buildings.
We work across five regulated sectors. The shell changes with the industry; the core that carries it is the same system, sized to the building. Configuration over releases: the next product should be a setting, not a project.
Typology: the tower
Banking & lending
Digital journeys built on core systems that can’t stop.
- Problems we solve
- Applicants lost between identity checks and a decision
- Loan journeys that stall between application, offer and signature
- Savings and investment flows held back by the legacy core underneath
- Constraints we know
- KYC & AML
- Affordability checks
- Consumer-credit disclosure
- PSD2 & SCA
- DORA
- Legacy core systems
- What we deliver
- Onboarding and KYC journeys, from first screen to account open
- Loan application, offer and e-signature flows
- APIs and integration layers in front of the core
- A design system for retail and business banking
- First engagement
A discovery sprint on one journey, such as onboarding or a loan application: mapped end to end, tested with customers and costed for the build.
Typology: the exchange hall
Payments & checkout
Every path a payment can take, including the ones that fail.
- Problems we solve
- Customers abandoning at the authentication step
- Double charges and orphaned orders when a network times out
- Orders, ledgers and PSP reports that don’t reconcile
- Constraints we know
- PSD2 & SCA
- 3-D Secure 2
- PCI DSS scope reduction
- Idempotency & retries
- Refunds & chargebacks
- Settlement & reconciliation
- What we deliver
- Checkout flows and hosted payment pages
- Wallets (Apple Pay, Google Pay) and PSP integrations
- Idempotent order placement and retry handling
- Reconciliation tooling and payment-operations dashboards
- First engagement
A discovery sprint that maps every path a payment takes, failures and retries included, and ends with a risk register and the fixes in order.
Typology: the multi-tenant block
Fintech platforms (B2B)
One platform, many clients, no forks.
- Problems we solve
- Every new client turning into a custom build
- White-label branding that forks the codebase
- Contracts and offers still assembled by hand
- Constraints we know
- Tenant isolation
- Role-based access
- Audit trails
- Document generation
- eIDAS e-signatures
- Vendor due diligence
- What we deliver
- Multi-tenant architecture and a configuration model
- White-label theming on one shared design system
- Contract and offer generation
- Back-office and operations tools
- First engagement
A discovery sprint on the configuration model: what varies per client, what never should, and how the next client becomes a setting rather than a project.
Typology: the archive
Risk, compliance & RegTech
Tools for the people who answer to the regulator.
- Problems we solve
- Investigations scattered across spreadsheets, inboxes and screenshots
- Alert queues that bury the cases that matter
- Evidence that can’t be reconstructed when the regulator asks
- Constraints we know
- AML & CTF
- Sanctions screening
- Financial-crime workflows
- Four-eyes review
- Evidence & audit trails
- Data retention (GDPR)
- What we deliver
- Case management and investigation tools
- Review and four-eyes approval workflows
- Compliance registers and regulatory reporting
- Audit trails that record every decision
- First engagement
A discovery sprint alongside your analysts: we follow real cases, map where evidence gets lost, and prototype the case view that keeps it.
Typology: the market hall
Commerce & retail
Many markets and brands on one system that holds at peak.
- Problems we solve
- Storefronts that slow down when traffic peaks
- A separate fork of the site for every market
- Brands drifting apart, screen by screen
- Constraints we know
- Performance budgets
- Localisation & tax
- Feature flags per market
- European Accessibility Act
- GDPR consent
- Peak-traffic resilience
- What we deliver
- High-traffic storefronts and checkout
- A multi-brand design system
- Loyalty and customer accounts
- Market configuration and staged roll-outs
- First engagement
A discovery sprint on one market or brand: a performance and accessibility audit, then a prototype of the shared system the others will adopt.
typology: tower · levels: 8 · footprint: 16 × 16 m · core: same system, sized to the building
A-700 Programme
How to work with us.
Four forms of contract and one way of working: the same senior core leads each of them, and every one can start small. What changes is how much we take on, and for how long.
- W1
Discovery sprint
Fixed scope- What it is
- A short survey of the problem before anything is built: users, risks, rules and a plan.
- Shape
- 2–4 weeks, fixed scope, led by the senior core.
- You get
- Problem framing, research findings, a risk register, a clickable prototype and a costed plan.
- How it starts
- An intro call, then a short written sprint proposal.
- W2
Product build
Phases or a dedicated team- What it is
- We design, build and launch the product end to end, then help it evolve.
- Shape
- Fixed phases with agreed scope, or a dedicated team on a rolling plan.
- You get
- Production code from the first sprint, a design system, weekly demos, documentation and a clean handover.
- How it starts
- With a discovery sprint, or with yours if it already answers the four questions on A-001.
- W3
Team extension
Senior leads embedded- What it is
- Senior design or engineering leads, embedded in your team, your rituals and your tools.
- Shape
- Rolling, and reviewed with you at every milestone.
- You get
- Senior judgement where the team needs it, and the standards, reviews and habits that stay after we leave.
- How it starts
- An intro call about the gap, then a lead proposed to fill it.
- W4
Platform modernisation
Legacy to cloud, in stages- What it is
- Moving a legacy platform to the cloud without stopping the business that runs on it.
- Shape
- In stages: one slice at a time, each one releasable on its own.
- You get
- An architecture assessment and a staged migration plan, then working increments on AWS with CI/CD and observability.
- How it starts
- A discovery sprint on the current platform: its dependencies, its risks and the first slice to move.
How a project starts
- 01Intro call
Our leadership team listens: what you’re building, what it must never do and which rules it lives under. NDA first, if you need one.
- 02A discovery-sprint proposal
We reply in writing: the questions the sprint will answer, who leads it, what you get and when. Not a template.
- 03Kick-off
We start on site with your team: stakeholders, access and constraints on the table, and the first weekly demo in the diary.
G-001 General notes
Seven notes that apply to every drawing.
Each note is demonstrated on its own sheet. This is the index; follow a reference to see it drawn.
- 1Question the brief before answering it.Four questions, answered on site before anything is built.A-001
- 2Ready for audit.Poured into the foundations, not added at the end.S-100
- 3No hand-offs.One shaft carries strategy, design and engineering.S-200
- 4Remove friction, not people.Specialists join around the core; accountability stays in it.S-200
- 5Design for failure.Retry the payment: more attempts, still one charge.M-400
- 6Ship the front door first.Phase 1 opens the door while the floors above are built.A-500
- 7Configuration over releases.Switch the industry: the shell changes, the core stays.A-600
A-800 Commission
Start a project.
The plot is clear. Tell us what you’re building, what it must never do, and which rules it lives under. We’ll reply with questions, not a template.
office@axd-core.comTalk to our leadership team: Nicoleta Ribu, Design Director, and Alexandru Demidov, Engineering Director.