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The AI intelligence layer
for regulated FinTechs.

We build the operating substrate that turns compliance, operations and growth into one composable AI platform — designed by operators who have shipped regulated software on a regulator’s timeline, for the people now doing the same.

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VISION & MISSION

What we’re building.
What we believe.

VISION

Compliance and operations, turned into a competitive edge.

We envision a world where every regulated FinTech turns its compliance and operations burden into its biggest competitive edge.

  • We turn compliance from a cost centre into a profit centre — converting the data FinTechs already collect to stay compliant into a direct source of revenue and growth.
  • We layer onto the systems you already run, sharpening what’s in place — and replace only what you’ve outgrown.
  • We build Micro AIs that are safe, reliable, and modular by design, so transformation happens in weeks, not months.
MISSION

Automate. Augment. Accelerate.

Our mission is simple: automate what slows you down, augment what already works, and accelerate what drives revenue.

  • Automate: Replace manual compliance and operations with always-on AI — zero drag, zero queues.
  • Augment: Make your existing tools measurably smarter, with no rip-and-replace required.
  • Accelerate: Turn compliance data into revenue — lead scoring, growth, and recovered margin.

Comply. Control. Compound.

DESIGN PRINCIPLES

Six commitments
behind every product decision.

These are the rules we don’t break — the ones we use to decide what to ship, what to refuse and what to deprecate.

01

AI-first.

Every Micro AI is intelligence-native, not bolted on. AI is the substrate — not a feature layer over a rules engine.

02

Explainable.

No black-box decisions. Full audit trail, confidence score and plain-language rationale on every output — designed for the examiner’s questions, not the demo room.

03

Modular.

Adopt incrementally. Start with one Micro AI, layer the rest as you grow. The full platform is the destination, not the entry cost.

04

Regulatory-native.

Built from the data plane up for regulated financial environments — not a compliance retrofit. Region pinning, signed event logs and lineage are framework-level concerns.

05

Global by design.

Multi-jurisdiction, multi-currency, multi-language from day one. UK, EU, GCC, Africa, Singapore, India — one application, six data planes.

06

Layer, or replace — whichever gets you there.

We can sit on top of your existing core banking, payment rails and reporting tools, or step in for the pieces that are holding you back. The substrate you run gets sharper where it should, and rebuilt where it must.

THE 3-LAYER AI FRAMEWORK

How the substrate
earns its keep.

L1

Automate

Replace manual compliance and operations with always-on AI. Zero drag, zero queues, zero spreadsheet hand-offs.

L2

Augment

Make your existing tools measurably smarter — the core banking, the KYC vendor, the rail integrations you already pay for.

L3

Accelerate

Turn compliance data into growth signal. The same audit trail that satisfies the regulator powers the customer-acquisition model.

FOOTPRINT

Built for global,
priced for entry.

Six jurisdictions live. The same code runs in every region — no fork, no per-market re-implementation.

6

Live jurisdictions

UK, EU, GCC, Africa, Singapore, India.

95

Micro AIs

Across 13 capability domains, all on the same substrate.

4-6

Weeks to pilot

From kick-off to live, including jurisdiction-specific compliance review.

LEADERSHIP

People who have
built FinTechs before.

Operators, engineers and advisors who have shipped regulated software on a regulator’s timeline — and built the kind of substrate they wish they’d had.

BE

Bala Ethirajalu

Chief Executive Officer

Leads strategy, product and commercial across the group. Background spans EMI operations, regulated platform architecture and AI engineering at scale. Based between Krakow and London.

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RP

Robin Panicker

Chief Technology Officer

Leads platform engineering, AI architecture and the technical bar across the group. A technology evangelist with over two and a half decades of experience building scalable platforms across the globe. Owns the engineering posture that lets 360FinTech.AI ship to audit-grade trails.

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VR

Vineetha Rohit

Chief Operating Officer

Runs operations, delivery cadence and the discipline of shipping regulated software on the regulator’s timeline. Background in operations leadership across regulated technology and multi-jurisdiction product launches. Owns the operating model behind our market launches.

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SA

Sharmarke Abdulle

Chair · Strategic Council · Certified MLRO

Chairs the strategic council — the forum that shapes the 24-month roadmap and opens the rooms that matter. Senior advisory experience across regulated finance, capital allocation and cross-border market access. Translates supervisory and investor expectations into product priorities.

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CW

Chris Zhi Shen Woo

Head of Client Success & Delivery

Leads end-to-end client delivery — from sandbox engagement to production rollout — across UK, GCC and APAC accounts. Owns the relationship continuity that turns six-month design partnerships into multi-year platform agreements. Background in client-facing delivery leadership across financial technology platforms.

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Ready to scope a pilot?

30-minute call · we map your stack · you leave with a 4–6 week deployment plan.

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