Kindgeek

Kindgeek is a fintech software development company founded in 2015 by Yuriy Gnatyuk and Anton Skrypnyk in Lviv, Ukraine. The team has grown to 213 engineers across their Ukrainian operations. They specialize in building regulated fintech products, white-label platforms, and embedded development teams for fintechs operating under real compliance frameworks—not sandboxes. Over 11 years, Kindgeek has shipped 100+ regulated projects and processed €10B+ in transactions. Their client roster spans licensed fintechs, payment networks, and enterprises across the UK, EU, US, and Middle East.

Services and capabilities

Kindgeek operates across five main service lines. Fintech Software Development integrates AI and machine learning into financial platforms, covering KYC document verification, transaction anomaly detection, fraud scoring, and automated compliance reporting. They work across mobile, web, backend, cloud engineering, and QA automation. White-Label Fintech Platforms let clients launch neobanks, e-wallets, PFM apps, core banking, payments, and lending products under their own brand using Kindgeek's pre-built, compliance-tested infrastructure. Clients can go live in weeks rather than months. Dedicated Fintech Teams embed senior engineers, architects, product managers, QA, and designers into client operations on long-term or project basis. AI Transformation operates on two tracks: streamlining client operations via AI workflows (document verification, transaction monitoring, predictive analytics) or building AI capabilities directly into fintech products. Advisory & Consulting covers architecture reviews, compliance assessments, software audits, and technical due diligence.

Their "AI-Native" approach integrates AI across four layers: design and conceptualization (UI concept generation, interactive prototyping in days instead of weeks), engineering (code review flagging PCI exposure and key handling risks), compliance and testing (automated checks against PCI DSS, DORA, and GDPR in every pull request), and client-facing product features (KYC verification, fraud scoring, anomaly detection).

Notable work

Kindgeek's clients include Payabl. (EMI-licensed payment ecosystem, Cyprus), HyperJar (FCA-registered digital wallet, UK), Decta (EMI-licensed card issuing and acquiring, UK/Ireland/Cyprus), Jaja Finance (FCA-regulated consumer credit, UK), easyMoney (FCA-regulated P2P property finance, UK), RemoFirst (global payroll and EOR platform, US), stc pay (licensed digital wallet, Saudi Arabia), Next Generation (MiCA-compliant stablecoin platform, France), and Tradeshift (B2B payments and supply chain finance, USA/Denmark). They also partner with Telefónica (enterprise telecom and digital payments, Spain) and the University of Basel (8+ year research partnership, Switzerland). One client testimonial notes: "Our ability to hit our migration deadline is a direct result of Kindgeek's work. They make sure their employees speak English to a very high standard. They're very open from the start." 70% of new business comes from referrals; average partnership duration is 2+ years.

How they work

Kindgeek operates as embedded product partners, not transactional vendors. Their engagement models include fixed-price product builds, dedicated team augmentation, and staff placement. Teams include engineers, designers, QA specialists, and DevOps. Compliance is baked into architecture from sprint zero—PCI DSS segmentation, DORA Article 6 resilience testing, and GDPR data residency shape every decision. They deploy fintech infrastructure on production rails connected to real payment processors, card networks, and banking APIs, not sandbox environments. Communication is in English; the company emphasizes high-standard language proficiency across teams.

Team and credentials

Co-founders Yuriy Gnatyuk (CEO) and Anton Skrypnyk built the company during Ukraine's Revolution of Dignity in 2015. Michael Kramarenko serves as CTO; Halyna Khalak is COO. The team of 213 engineers is based in Lviv, with a London office for client-facing sales. Kindgeek holds ISO 27001:2023 (information security), ISO 9001:2015 (quality management), PCI DSS, PSD3, and GDPR compliance certifications. They process real money on production payment rails and have been featured in the Incredible Tech catalogue (IT Ukraine Association and Ministry of Digital Transformation). The company was founded during Russian aggression against Ukraine and continues to donate and volunteer for Ukrainian Armed Forces while maintaining client delivery.