The institutional platform
that prevents the next
Synapse.
TECH connects FinTech companies and banks through verified identity, AI-matched fit, and continuous trust monitoring — purpose-built for the regulated US financial sector. This brief lays out the problem, the trilogy of engines that solve it, the compliance stack, the technical architecture, and the 12-week roadmap to launch.
Bank–FinTech partnerships
fail at industrial scale.
The current process for a bank to evaluate a FinTech partner takes 9–12 months and still fails 40% of the time. The cost of a failed partnership is not the wasted due-diligence — it is reputational damage, regulatory exposure, and frozen customer funds.
Three engines.
One continuous lifecycle.
TECH is not a directory. It is three proprietary engines that operate on every member from the first click to the renewal — verifying who they are, finding the right partnerships, and keeping those partnerships alive.
Protects every interaction with institutional-grade verification.
From the moment a member enters the platform, SHIELD enforces a continuous trust contract — KYB-cleared identity, dynamic Trust Score, compliance automation, and real-time alerts for misbehavior. The audit trail is the same one regulators see.
- KYB verification via Persona API — entity, beneficial ownership, sanctions screening
- Dynamic Trust Score — composed from KYB, profile completeness, reputational signals
- Compliance automation — FINRA Rule 4511, SEC 206(4)-1, GLBA, BSA/AML applied in every interaction
- Continuous member monitoring — re-verification, behavior anomaly detection, malicious-actor alerts
Finds the right partnership across 12 institutional dimensions.
PRISM filters the entire universe semantically (Voyage AI · 1024-dim embeddings, top 50 candidates), then sends each pair to Claude Sonnet 4.5 for an institutional-grade scoring across fit, synergies, risks, regulatory considerations, and recommended deal structure. The model learns from every accept and reject.
- Layer 1 — Voyage AI semantic similarity over 9 onboarding attributes
- Layer 2 — Claude Sonnet 4.5 produces a structured 12-dimension assessment per pair
- Layer 3 — Reinforcement loop adjusts weights for each member individually
- Privacy by design — all PII stripped before any external AI call
Keeps the partnership alive after the match closes.
CORTEX converts TECH from a one-time matchmaker into the operational OS for partnership development. Pulse dashboards, market signals, partnership health scoring, predictive alerts. The longer a member stays, the sharper the intelligence becomes — that is the network effect.
- Pulse dashboard — real-time ecosystem heartbeat
- Market signals — funding rounds, sector shifts, regulatory changes
- Partnership health scoring — predictive alerts before deals go cold
- Competitive benchmarks — see how your partnerships compare against the market
Each role gets the workflow
built for them.
Onboarding adapts to the operator's role from the very first screen. Banks get the questions banks need to answer. FinTechs get the funding-stage and product fields that matter to a sponsor bank. Investors get the thesis and ticket-size flow that fits venture diligence.
9–12 months of due diligence with a 40% failure rate.
Modernization, compliance modernization, and embedded products — all gated by the inability to verify FinTech partners at institutional speed. TECH replaces the spreadsheet with a verified, AI-matched, regulator-ready directory.
Cold-emailing 200 banks to find one that will sponsor.
FinTechs need sponsor banks, BaaS partners, distribution rails, and capital. TECH matches them to the banks that have explicitly stated they want what the FinTech is offering — with the regulatory readiness pre-cleared.
Deal flow filtered by spreadsheet, not thesis.
FinTech-focused VCs and corporates get curated deal flow that already matches their thesis, ticket size, geography, and stage. SHIELD-verified founders. PRISM-scored fit. CORTEX-tracked progress over time.
Compliance is the foundation,
not a feature.
TECH is the only platform in this category designed compliance-first. Every screen, message, and AI suggestion is built to satisfy the regulator before satisfying the user.
Production-grade,
auditable, AI-native.
The platform runs on a stack chosen for institutional-grade reliability and AI-first reasoning. Every layer is reproducible, observable, and ready for SOC 2 audit.
Backend
- RuntimePython 3.12 · Django 5 · DRF
- DataPostgreSQL 16 · pgvector · Redis 7
- AI · ReasoningAnthropic Claude Sonnet 4.5
- AI · EmbeddingsVoyage AI voyage-3 (1024 dim)
- AuthJWT · OAuth2 · 2FA TOTP
- KYB / IdentityPersona API
- PaymentsStripe (subscriptions + invoicing)
- CommunicationsAWS SES (FINRA-archived)
Frontend & Infrastructure
- UIReact 19 · TypeScript · Vite
- StyleTailwindCSS · Playfair · DM Sans
- StateZustand · React Query v5
- CloudAWS US-East-1 (DR US-West-2)
- ComputeECS Fargate · ElastiCache · RDS
- CI / IaCGitHub Actions · Terraform
- EdgeCloudflare (CDN + WAF)
- ObservabilityCloudWatch · structured audit logs
From scaffold to
institutional launch.
Four phases. Each one ships a complete, demoable surface to institutional reviewers. Phase 4+ post-launch covers mobile, API, Salesforce integration, LATAM expansion, and SOC 2 audit.
Pilot a partnership inside TECH.
Banks: see verified FinTechs matched to your modernization roadmap, with regulator-ready audit trails included. FinTechs: get matched to sponsor banks who explicitly want what you build. The platform is live; the first member cohort is being approved now.