Can you help a Spanish platform prepare for MiCA-aligned crypto supervision?

Yes, we design custody and reporting architecture aligned to the technical standards MiCA introduces as CNMV assumes crypto-asset service provider oversight.

Can you build open banking APIs without a full core system rewrite?

Yes. We wrap your existing core in a modern API middleware layer, exposing compliant account and payment APIs without touching core transaction logic.

How do you handle AML/KYC compliance during integration?

We build identity verification, sanctions/PEP screening, and transaction monitoring workflows directly into the platform, with audit logging that traces every decision for regulator review.

Can you integrate with our existing card and payment rail providers?

Yes, we connect correspondent banking, card networks, and instant payment schemes into a single orchestration and reconciliation layer.

What does an open banking API project timeline look like?

A typical account information and payment initiation API program, including a developer portal and sandbox, ships in 8-14 weeks depending on the number of endpoints and your existing infrastructure.

Banking & Fintech · Spain

Banking & Fintech Software Development in Spain

Banks and fintechs are under pressure to open their platforms via APIs, modernize legacy cores, and meet open-banking and AML obligations without disrupting existing operations or customer trust. In Spain, that means building to the expectations of Europe: Payment institutions and e-money issuers are authorized and supervised by Banco de España under Spain's implementation of EU payment services rules.

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Spain Regulatory Landscape

What banking & fintech businesses in Spain need to know

Payment institutions and e-money issuers are authorized and supervised by Banco de España under Spain's implementation of EU payment services rules.
Crypto-asset marketing and certain token offerings intersect with CNMV oversight, particularly as MiCA transitions supervisory responsibility for crypto-asset service providers.
Open banking integrations commonly reference PSD2-derived technical standards for strong customer authentication used across Spanish banks.
We build to these technical and reporting expectations, alongside Spanish-qualified legal and compliance counsel.

This information is provided for general orientation only and is not legal or licensing advice. Always confirm current requirements with qualified local counsel.

The Challenge

What banking & fintech operators struggle with

Core systems that block product velocity

Vendor-locked core banking platforms turn a simple product change into a multi-quarter release cycle, while fintech challengers ship weekly.

Open banking deadlines without a clean path

Regulatory mandates require standards-compliant account and payment APIs on a fixed timeline, with no room for a risky core rewrite.

Manual AML/KYC review queues

Identity verification and sanctions screening still route through manual case queues, slowing onboarding and creating audit exposure.

Fragmented cross-border rails

Correspondent banking, card networks, and instant payment schemes are stitched together ad hoc, causing reconciliation gaps and settlement delays.

Our Approach

How we support banking & fintech in Spain

Open banking & partner API programs

We design and build account information and payment initiation APIs with OAuth2/OIDC consent flows and self-service developer portals that cut partner onboarding from weeks to days.

Core modernization without a big-bang rewrite

Strangler-fig migration wraps legacy cores in modern middleware, letting you ship new products without a risky, multi-year core replacement.

AML/KYC and transaction monitoring automation

Automated identity verification, sanctions/PEP screening, and ML-driven transaction monitoring replace manual review queues and shrink false positives.

Cross-border payment hub integration

A central orchestration layer connects card networks, correspondent banks, and instant payment rails behind one reconciled ledger.

Audit-ready security & compliance controls

Secure architecture review, immutable audit logging, and regulator-ready reporting are built into the platform ahead of your next licensing or partner audit.

Relevant Services

Engineering practices for this industry

API & Platform

API Integration & Open Banking Engineering

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Cloud & DevOps

Cloud Modernization & DevOps Engineering

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Security & Compliance

Cybersecurity, AML/KYC & Compliance Engineering

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FAQ

Banking & Fintech in Spain — FAQ

Yes, we build payment orchestration layers that combine SEPA rails with cross-border remittance corridors common between Spain and Latin American markets.