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.

  1. Q1

    Who is it for, and what are they trying to get done?

  2. Q2

    What must never fail, and what happens when it does?

  3. Q3

    Which rules apply: KYC, PSD2, GDPR, retention, disclosure?

  4. 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.

  1. F1

    Security by default

    Least-privilege access, audit trails, dependency scanning and a secure development lifecycle.

  2. F2

    You own everything

    Code, designs and IP are yours from day one.

  3. F3

    EU-based, GDPR-native

    Bucharest, Romania. Data and contracts under EU law.

  4. F4

    Ready for audit

    Every decision traceable, every change recorded. We design for consent, retention and explainability from the start.

  5. F5

    Accessible by default

    WCAG 2.2 AA is the target on every product, not an extra.

  6. 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.

  1. C1

    Strategy

  2. C2

    Design

  3. C3

    Engineering

Construction sequence

  1. 01
    Discover 2–4 weeks

    Problem framing, research, risks, a clickable prototype and a plan.

  2. 02
    Design

    Journeys, interfaces and a design system, validated with users.

  3. 03
    Build

    Production code from the first sprint: tested, reviewed, documented.

  4. 04
    Launch

    Release, monitoring and handover.

  5. 05
    Evolve

    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.

  1. L5

    Team extension

    Senior design or engineering leads, embedded in your team.

  2. L4

    Platform & delivery

    Cloud on AWS, Docker and Kubernetes, CI/CD, observability, quality engineering.

  3. L3

    Engineering

    Web front-ends, back-ends and APIs, payments integration, search, identity and access.

  4. L2

    Experience & interface design

    UX, UI, interaction design, accessibility and design systems.

  5. 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.

Test the payment line€240.00
Attempts
0
Charges
0
Idempotency key
–

The valve at the core checks every request’s key before money moves.

Services schedule
M1Services & APIsJava / Spring Boot, Node.js
M2PaymentsPSP integrations, Apple Pay, Google Pay, 3-D Secure, reconciliation
M3Identity & accessOAuth2 / OIDC, Keycloak
M4Search & dataOpenSearch, Elasticsearch
M5ObservabilityPrometheus, Grafana
M6PlatformAWS, 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.

  1. E1

    Journeys & UX

    The route a customer takes, from the street to the thing they came for.

  2. E2

    Interface & interaction

    Clear screens for decisions that involve money, data and consent.

  3. E3

    Design systems

    One module, repeated with discipline across products, brands and markets.

  4. 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: 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.

  1. 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.
  2. 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.
  3. 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.
  4. 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

  1. 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.

  2. 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.

  3. 03Kick-off

    We start on site with your team: stakeholders, access and constraints on the table, and the first weekly demo in the diary.

Book an intro call

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.

  1. 1Question the brief before answering it.Four questions, answered on site before anything is built.A-001
  2. 2Ready for audit.Poured into the foundations, not added at the end.S-100
  3. 3No hand-offs.One shaft carries strategy, design and engineering.S-200
  4. 4Remove friction, not people.Specialists join around the core; accountability stays in it.S-200
  5. 5Design for failure.Retry the payment: more attempts, still one charge.M-400
  6. 6Ship the front door first.Phase 1 opens the door while the floors above are built.A-500
  7. 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.com

Talk to our leadership team: Nicoleta Ribu, Design Director, and Alexandru Demidov, Engineering Director.