The Masters

The Masters (operating as Binar) is a fintech and blockchain consultancy based in Poland with 11 years in business. The firm operates across business, regulation, and technology—three domains most fintech companies handle separately. With 100+ engineers and 250+ completed projects across 15+ client countries, The Masters positions itself as a consulting-first shop that doesn't write code until product design, regulatory strategy, and market logic are locked in.

The company specializes in the regulated financial infrastructure layer: banks and neobanks, payments systems, open banking (PSD2 / Open Finance), crypto and Web3 projects, lending platforms, wealth management, insurance tech, RegTech, digital identity, embedded finance, and iGaming. Their regulatory expertise covers MiCA (Markets in Crypto-Assets Regulation), GENIUS Act, PSD2, FATF guidance, and SOC 2, embedded into technical architecture from the start.

Services and capabilities

The Masters' core work falls into three phases. First is "Vision & Feasibility," where they handle product design, market validation, regulatory framing, and monetization strategy before code begins. Second is "Architecture & Compliance," embedding regulatory logic (MiCA, GENIUS Act, PSD2, SOC 2) into technical design. Third is "Delivery at Scale," with 80+ fintech-ready engineers executing under senior fintech consultants from prototype through production.

Technically, they build banking APIs and core integrations, payments infrastructure and account-to-account transfers, real-world asset tokenization with legal and technical frameworks, and Open Banking Account Information and Payment Initiation services across EU markets. They handle stablecoin and e-money token (EMT) architecture under MiCA, digital identity and eIDAS-compliant KYC infrastructure, AI agents for payments and compliance automation, decentralized finance (DeFi) protocols and infrastructure, and Layer 1 and Layer 2 blockchain development including custom networks and rollups. For iGaming, they provide payment orchestration, AML/KYC systems, and responsible gaming compliance.

Notable work

Fizen is a CEE open banking integrator they built, connecting 50+ banks across 7 Central and Eastern European markets. The system processes thousands of transactions daily and handles 10,000+ AISP (Account Information Service Provider) requests per day. PLT is a PLN-pegged stablecoin they developed—fully regulated, backed 1:1 by Polish Złoty with institutional-grade reserves. GovTool is a Cardano governance platform enabling ADA holders to vote, delegate, and propose network changes. They built backend services for Adorsys connecting VR Payment's platform to Wero instant payments in Germany. PYK is a full-stack mobile payment app enabling instant P2P transfers via payment links, built on PSD2 and Payment Initiation Services infrastructure. For Brave, they built Mjolnir, a high-performance Ethereum testing infrastructure for smart contract validation at scale in Brave's crypto wallet.

How they work

The Masters begins with a strategy phase to validate business model, regulatory pathway, and technical feasibility—no code written until clarity exists. Engagement typically involves dedicated teams of engineers working under senior fintech consultants who own regulatory and architectural decisions. The company works across fixed-scope consulting engagements and delivery-backed projects, scaling from small validation phases to full-team execution. They work across 15+ client countries, suggesting multinational capacity and familiarity with diverse regulatory regimes.

Team and credentials

The company has 100+ engineers and has completed 250+ projects over 11 years. The website does not name founders or provide team breakdown by location or function. No formal certifications (ISO 27001, SOC 2, specific partner statuses) are listed, though SOC 2 logic is mentioned as embedded into their architecture work. They operate across EU regulatory frameworks (MiCA, PSD2, FATF, eIDAS) by design, suggesting regulatory familiarity but not explicit compliance badges.