EU REGULATED ENVIRONMENT

Transforming fintech
and enterprise into
AI-native business.

We build the fintech platforms, payment infrastructure and AI workspaces that turn banks, EMIs, marketplaces and holdings into AI-native businesses. Fintech engineering discipline, deep integration experience and AI-assisted delivery — from idea and architecture to MVP, production and operational control.

Banks EMIs PSPs Marketplaces Holdings Public sector
Explore products Discovery sprint
GT / Workspace
Search projects, decisions, artifacts… ⌘K
live
Instant Payment Rails / Overview

Decision room

3 open decisions · 5 agents active · audit-grade by default
Open
3
awaiting maker-checker
Approved · 24h
28
committed to ledger
Agents
5
running on-prem
Recommendation · ADR-2026-014 · Risk Advisor
Route SEPA Instant above € 150 k through Provider B. Keep Provider A for sanctions-sensitive corridors.
Approve Review trail
Built for regulated work.Familiar with the rule sets and supervisors that matter in EU & UK fintech.
PSD2 / PSD3 DORA GDPR AML6 ECB / EBA Bank of LT FCA
01 · Principle

Product strategy first.

We do not start with code. We start with the business model, operating flow, risks and delivery path.

02 · Principle

Speed with control.

We move fast, but not at the cost of architecture, security, auditability or operational resilience.

03 · Principle

AI is transformation, not a feature.

We use AI to structure knowledge, accelerate delivery, preserve context and improve decisions — not to add another chatbot.

01 · Products

Two product lines.
One operating philosophy: fast where you can, controlled where you must.

Platform & Fintech 4 products
GT/WALLET · 01

EMI & Wallet
Growth Layer

Backoffice, web interfaces and mobile apps for your Banking-as-a-Service of choice. Wallet, onboarding, payments, QR / merchant and ops — shipped on top of any EMI core in 8–12 weeks. Core stays untouched.

In production
GT/BANKING · 02

Digital
Banking

Retail and corporate digital banking — channels, accounts, payments, cards, loans, deposits, onboarding, statements, support tooling. Built on top of any core/ABS, integrated with payment providers and government services.

In production
GT/MARKET · 03

Marketplace
& Settlement

Merchant onboarding, commissions, seller statements, payouts, refunds, disputes and reconciliation — for marketplaces and digital platforms running embedded finance flows at scale.

In production
GT/MODERNIZE · 04

Legacy
Modernization Intelligence

Discovery and architecture sprints for organizations carrying expensive legacy systems. We map dependencies, design overlay paths, sequence the modernization and de-risk the rollout.

In production
AI Products 2 products
GT/WORKSPACE · 05

AI
Workspace

AI delivery and operations platform: project context, role memory, secure delivery copilot, digital architect, process & policy analysis, document intelligence and model routing. Turns regulation, briefs and meetings into requirements, tests, ADRs, handover packs and audit evidence.

In production
GT/ENTERPRISE · 06

Enterprise Operations
Intelligence

AI workspace for procurement, vendor management, project memory, document intelligence and operational workflows — built for holdings, real estate groups and complex enterprises. VPC and on-prem only.

Pilot-ready
02 · Industries

Built for organizations
where money, data and decisions move under control.

Financial

Banks & Digital Banks

Modern channels, payment operations and legacy modernization without rip-and-replace.

Fintech

EMIs, PSPs & Payment Institutions

Wallets, merchant flows, payment orchestration, reconciliation and compliance operations.

Platforms

Marketplaces & Digital Platforms

Merchant onboarding, commissions, payouts, refunds, settlement and operational control.

Enterprise

Holdings & Real Estate Groups

AI workspaces, procurement automation, vendor management, project memory and docs intelligence.

Regulated

Public Sector & Regulated Organizations

Digital service payments, audit-ready workflows and sovereign / on-prem AI deployment.

Founders

Founders, Investors & Venture Builders

Architecture sprints, MVP scope and roadmap for new regulated products — and vendor evaluation for existing builds.

03 · AI Workspace

AI Workspace
for complex delivery and operations.

AI Workspace turns regulation, product briefs, project context and business requests into requirements, design specs, test cases, ADRs, role handover packs and automation briefs — with citations, human gates and a signed audit trail at every step.

Not another chatbot. A controlled delivery and operations platform where AI does the drafting, your team holds the gates, and every artifact has a source it can prove.

GT / Workspace / Refund within 2 hours · build pack
audit-ready
1 You drop in a regulation
PSD2 RTS · Article 13 Payment refunds “Refunds must complete within 2 hours of authorization.”
2 AI Workspace builds the delivery pack
Requirement
Refund within 2h flow
Design spec
API + state model · 4 pages
Test cases
18 scenarios incl. 4 edge cases
Engineering ticket
PAY-1408 · ready for sprint
3 Your team reviews · signs off · ships
EM
Compliance
Approved · 2h ago
JR
Tech lead
Signed · 1h ago
Audit pack
Signed bundle ready
Modules

Nine modules.
One operating system.

Compose the workspace from the modules your engagement needs. Each module runs on shared project context, role memory and audit trail.

01
AI Delivery Pipeline

Business input → specs, backlog, tests, ADRs and delivery artifacts.

02
Project Context Builder

Project memory, architecture rules, domain glossary and delivery standards.

03
Digital Role Twins

Role memory, responsibilities, handover packs and onboarding for every seat.

04
Digital Architect Copilot

Architecture conformance and technical guardrails across teams.

05
Secure Delivery Copilot

Security and control checks across requirements, API surface and release.

06
Process & Policy Analysis

Procedures and policies into process maps, gaps and automation briefs.

07
Document & Contract Intelligence

Contracts, tenders and policy documents into structured analysis and risk flags.

08
Procurement & Vendor Intelligence

Vendor registry, supplier comparison, proposal scoring and approval checklists.

09
AI Gateway & Model Routing

Policy-based routing between local and external models. Audit and cost tracking.

Why not just ChatGPT?

Artifacts,
not chat replies.

Generic AI tools produce answers. AI Workspace produces controlled, reviewable artifacts — with project context, role rules, audit trail and human approval at every step.

  • ✓ Project context, not blank prompts
  • ✓ Artifacts, not chat replies
  • ✓ Role-based workflows, not random agents
  • ✓ Local / private AI where required
  • ✓ Human review and audit by design
Private AI & Model Routing

Local-first
where it matters.

Sensitive workloads stay on your hardware. External advisors only where policy allows. Every model call is routed, audited and accounted for.

  • LOCAL Local Gemma-class models for sensitive data and regulated workloads
  • ADVISORS Claude / GPT / Gemini as optional advisors, where allowed
  • POLICY Policy-based routing by data class, project and role
  • BOUNDARY Restricted data stays local — never leaves your VPC or on-prem
  • AUDIT Token, cost and routing audit across every model call
  • DEPLOY VPC, on-prem or hybrid — sovereignty-ready by default
04 · Approach

From an unclear idea
to a realistic architecture,
a controlled rollout, then scale.

Every engagement starts narrow and is engineered to scale. No "big platform" with no first step.

STEP · 01

Discover

Business problem, workflows, risks, systems and constraints — clarified in 2–4 weeks.

Fixed scope · fixed fee
STEP · 02

Design

Architecture, scope, integrations, data flows, controls and an MVP roadmap with realistic estimates.

Architecture · risk register
STEP · 03

Pilot

A focused, production-grade pilot with measurable outcomes. Real users, real volume, controlled scope.

8–12 weeks · narrow flow
STEP · 04

Rollout

Controlled expansion across modules, connectors, markets and operations — without rip-and-replace.

Phased · audit-ready
STEP · 05

Scale

Production support, SRE, AI workflows and ongoing modernization — with role memory preserved across teams.

Managed · measured
Why GT Soft

Senior engineers, fintech architects,
AI specialists — on every engagement.

Architecture, pilots and audit-grade workflows that your CFO, CISO and regulator can each sign off on — same set of artifacts, three different angles.

EU
Founded by senior fintech engineers

Banks, EMIs, payment institutions and public-sector platforms across the EU and UK — delivered by a senior fintech team.

3
Deployment models

SaaS · VPC / dedicated cloud · on-premise. Hybrid common in regulated rollouts.

RBAC
Security by design

Role access, immutable audit, data classification, controlled use of AI models.

EU+UK
Local presence, EU rules

Familiar with ECB, EBA, Bank of Lithuania and FCA contexts.

05 · Proof

Proof of delivery.
Not promises.

Pilots, modernizations and AI workspace rollouts. Specific timelines, throughput and audit numbers shared on request under NDA.

GT/Wallet · pilot

Wallet & merchant overlay launched above an existing EMI core.

Onboarding, internal balances, QR acceptance and ops back-office shipped without touching the core ledger. Connector framework integrated to KYC, AML and SEPA.

GT/Banking · re-platform

Mobile + corporate banking re-platformed alongside ABS without service disruption.

Phased migration of retail and corporate channels with ABS integration, payment provider routing and operational tooling for support and reconciliation.

GT/Enterprise · holding

Procurement & vendor workspace delivered to a real estate group.

Vendor registry, tender document analyzer, supplier comparison, proposal scoring and approval checklist with risk flags. Project memory live across multiple active projects.

Our mission

We build systems that help
serious organizations move faster
without losing control.

Turning fragmented systems, documents, decisions and roles into scalable digital platforms and AI-assisted workflows.

Operating philosophy Fast where you can. Controlled where you must.
06 · Company

A senior engineering and AI team
built for controlled delivery.

Who we are

We are a senior fintech and AI engineering team built for complex work. We combine fintech-grade engineering, deep integration experience and AI-assisted delivery to build platforms that move from idea and architecture to MVP, production and operational control.

Where we operate

Lithuania, the UK and selected Middle East markets. Deployment options include SaaS, dedicated VPC and full on-prem for sovereignty-sensitive environments.

How we work

Senior engineers, fintech architects and AI specialists on every engagement. Fixed-scope discovery sprints up front. Production-grade pilots before scale. RBAC, audit trail and data classification baked into the delivery process — not bolted on.

Principles

  • Product strategy first.
  • Speed with control.
  • AI is transformation, not a feature.
Start narrow. Scale safely.

Two to four weeks.
One realistic roadmap.

The Discovery Sprint maps the opportunity, designs the architecture, identifies the risks and gives you a delivery roadmap with realistic estimates. Fixed scope. Fixed fee. Zero noise.

Book a Discovery sprint Email the team
FIXED SCOPE · FIXED FEE · NDA ON REQUEST · [email protected]