About project

The project tackled a growing need: B2B SaaS platforms (like CRMs or ERPs) increasingly want to add embedded finance features, but without the cost or complexity of becoming a regulated fintech. We delivered a plug-and-play SDK that lets platforms launch internal financial flows—multi-tenant, modular, and API-ready.

Category
Fintech
Launched
2025
Location
New York
Team size
14
A great team is the path to product success
Alona S.
+
13
Mykola Ch.
+
13
Andrii T.
+
13
Yaroslav M.
+
13
Victor I.
+
13
Maksym P.
+
13

The project tackled a growing need: B2B SaaS platforms (like CRMs or ERPs) increasingly want to add embedded finance features, but without the cost or complexity of becoming a regulated fintech. We delivered a plug-and-play SDK that lets platforms launch internal financial flows—multi-tenant, modular, and API-ready.

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Challenges 
we faced

The main challenge was building a flexible, secure, and scalable financial logic engine that could integrate into any SaaS product without interfering with its core logic. We had to support multi-tenancy, role-based approval flows, and compatibility with various payment providers, all while keeping integration simple.

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Solutions we delivered

Product Development

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PROJECT IN DETAILS

Our client needed a way to offer native finance features—custom balances, internal transfers, and integrations with payout providers—inside their SaaS platform. We developed ShadowBanking SDK, an infrastructure layer that handles everything from balance logic to gateway abstraction.

Custom internal balances & transfers
Multi-tenant architecture (via Laravel Tenancy or custom), support for account-to-account transfers with approval flows. Logic handled via Laravel Queues + Redis, data stored in PostgreSQL.
Abstracted payment gateway layer
Unified API integration for Stripe, Wise, crypto, or banks, via REST/webhooks. Full access control using Laravel Sanctum/Passport.
Embedded finance UI & cloud-native setup
Admin dashboards for managing tenants, balances, and approvals, built with React or Vue.js. Infrastructure deployed to AWS (ECS, S3, RDS) via Bitbucket Pipelines.
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Delivery manager
"Ensure that Empat is the hub where even the wildest ideas transform into reality"
Valeriia
Head of Delivery at Empat