Low-latency trading systems
Order-management, smart routing and matching-adjacent components in C++/Rust. Deterministic hot paths, backpressure handling and colo-ready deployment.
Fintech product studio · US · EU
We build fintech products that actually ship.
X-Latency is a focused software studio for fintech companies — banking, payments, trading, lending and crypto. Strategy, design and engineering under one roof: fast, correct and audit-ready.
Our clients are fintech companies · banking · payments · trading · lending · crypto
Our clients are fintechs
BankingPaymentsTrading & brokerageLendingWealthCrypto & Web3
What we do
The software fintechs are built on.
We design and build the products fintech companies run on — trading and copytrading, exchange connectivity, banking rails, card issuing and compliance. Strategy, design and engineering in one senior team, so speed and correctness are designed together from day one.
Exchange & market-data feeds
FIX and WebSocket connectors to crypto and capital-markets venues. Normalized order books, tick capture and reconnect logic that survives venue outages.
Ledgers & banking rails
Double-entry ledgers, treasury and BaaS integrations across SEPA, SWIFT and ACH. Idempotent postings that reconcile to the cent at scale.
Card & payment products
Virtual and physical card issuing, spend controls and payment APIs. Wallets, on/off-ramps and stablecoin rails wired to a clean money-movement core.
KYC, AML & risk
Identity verification, sanctions/PEP screening and transaction monitoring with a case-management admin. Friction where it protects you, none where it doesn't.
Market & risk analytics
Real-time pipelines, PnL and exposure dashboards, and B2B data products. We turn raw tick and transaction streams into signals desks and boards can act on.
Selected work
Fintech products we've shipped.
A selection of products we've built for fintech clients and as our own tools — copytrading, exchange connectivity, banking rails, card issuing and compliance.
01 · Copytrading
Live
SPECTRA — Copytrading platform
Discover top traders, copy their positions with one toggle, and track allocation and PnL in real time. Full web app plus native iOS/Android.
02 · B2B data
Live
Politician trades
US congressional trade disclosures turned into an investable signal — per-politician charts benchmarking the politician vs a copy-portfolio vs the S&P 500, plus net-worth tracking and an API.
Chainrail
mainnet
Ethereum
1,204.8 ETHL112 gwei
Base
2.4M USDCL20.02 gwei
Solana
48.2k SOLSVM5k tps
Arbitrum
860k USDTL20.01 gwei
On-chain settlementAmountStatus
0x7a3f…d21c → treasury+250,000 USDCconfirmed
swap ETH→USDC · Uniswap−18.4 ETHconfirmed
0x1c88…4af0 → 0x9b0e…+1.2M USDT2 conf
03 · Blockchain / Web3
White-label product
On-chain settlement & multi-chain wallet
A Web3 money-movement layer — non-custodial multi-chain wallets, on/off-ramps and smart-contract settlement across Ethereum, L2s and Solana, reconciled to a fiat ledger. Audited contracts and gas-abstracted UX.
PayChain · Checkout
Order #4821
Amount due
249.00 USDT
≈ $249.00 · TRC-20 / ERC-20 / BEP-20
Pay with Trust Wallet
PaymentAmountStatus
USDT received · TRON+249.00confirmed
auto-settle → merchant$248.00paid out
04 · Crypto payments
White-label product
Crypto payment processing — pay with Trust Wallet
A crypto-acquiring gateway that lets merchants accept USDT/USDC across TRON, Ethereum and BNB Chain. One-tap checkout via Trust Wallet & WalletConnect, on-chain confirmation, auto-conversion and same-day settlement to fiat or stablecoin.
Venue connectivity
routing
Binance
0.9msWS42k/s
Bybit
1.3msWS31k/s
OKX
1.1msFIX28k/s
Deribit
4.7msWS12k/s
Coinbase
2.0msFIX19k/s
132k/sMsgs ingested
100%Router uptime
05 · Connectivity
Internal product
Crypto exchange connectors
A unified connectivity layer to major crypto venues — normalized market data, order routing and a live latency/throughput monitor with automatic failover.
Verification queue · 4 pending
L. Petrova
88 PEP hit
88 PEP hit
J. Okoro
54 Review
54 Review
M. Bianchi
12 Clear
12 Clear
S. Nakamura
08 Clear
08 Clear
88Risk score
APPROVE
REJECT
06 · Compliance
White-label product
AML / KYC modules & admin
Identity verification, sanctions and PEP screening with a risk-scored verification queue and case-management admin — deployable white-label into fintech operators.
Rail · Ledger
SEPA
SWIFT
ACH
EUR · main
DE89 3704 0044 0532 0130 00 €2,481,092.44
DE89 3704 0044 0532 0130 00 €2,481,092.44
GBP · client
GB29 NWBK 6016 1331 9268 19 £838,204.10
GB29 NWBK 6016 1331 9268 19 £838,204.10
Double-entry · settlement #88213
AccountDebitCredit
client_funds:EUR40,000.00—
settlement:SEPA—40,000.00
07 · Settlement
Internal product
Rail — banking-as-a-service integration
A ledger and treasury console over a BaaS provider — multi-currency IBAN accounts, SEPA/SWIFT/ACH rails and a double-entry engine that reconciles every movement.
X-Pay
5241 •••• •••• 8093
StatusActive
Spend limit$5,000/mo
BIN524178
Freeze card
Online payments
08 · Issuing
Internal product
Card issuing-as-a-service
Issue virtual and physical cards on demand — masked PAN, BIN management, per-card spend limits, freeze controls and real-time authorization hooks.
How we work
A process built for regulated speed.
Small senior team, short feedback loops, latency budgets and compliance in the room from week one. No hand-offs to a back office you never meet.
-
01
Discovery
We map the system, the order and money flows, the latency budget and the regulatory perimeter. You leave with a scoped plan and a fixed first milestone.
-
02
Design
Data model, ledger and hot-path architecture designed together. We prototype the hard parts early — matching, routing, reconciliation, onboarding.
-
03
Build
Two-week increments, demoable every Friday. Tests, CI/CD, load tests and audit logging are part of the definition of done — not a later phase.
-
04
Launch
Pen-tested, load-tested and shipped behind feature flags. We support go-live in production and stand up monitoring, alerting and on-call.
-
05
Scale
We stay on to harden latency, cut cost and add the next products — or hand a clean, documented codebase to your in-house team.
Expertise
The stack we ship with.
Systems languages on the hot path, boring-on-purpose where money moves, modern where it pays off — tools a regulator, an auditor and your future CTO will all be happy to inherit.
C++RustGo
Java · SpringTypeScriptPython
ReactReact NativeSwift · Kotlin
PostgreSQLKafkaRedis
gRPCWebSocketFIX
KubernetesAWSTerraform
ClickHouseISO 20022SEPA / SWIFT
PCI DSSSOC 2PSD2
The people
Senior engineers. No bench, no juniors learning on your dime.
Trading-systems engineering, product and compliance under one roof across the US and EU. A few of the people who will be on your project.
Elena Marsh
Founder & CEOEx-markets PM. 12 years across execution and settlement; keeps every project honest about scope, latency and risk.
Daniel Roth
CTO · SystemsLow-latency C++/Rust engineer. Built matching-adjacent and settlement engines processing nine figures a month.
Priya Kapoor
Head of ProductTurns market complexity into flows people finish. Obsessed with the order ticket and money-movement screen.
Marco Vidal
Principal · SettlementLives in idempotency keys and reconciliation. If money moves, Marco makes sure it adds up to the cent.
Sara Olsen
Head of ComplianceFormer AML officer. Translates regulation into product requirements engineers can actually build.
Theo Nakamura
Lead · ConnectivityWrote exchange connectors and market-data handlers running 24/7. Cares about latency you can measure in microseconds.
In their words
Teams we've shipped with.
They shipped our copytrading product across web and mobile in a quarter and it held up under real volume. The routing layer just doesn't drop.
Jonas FeldtCo-founder, crypto brokerThe ledger they built reconciles to the cent across three currencies. Our auditors asked who wrote it — the highest compliment I can give an engineering team.
Amara ChenVP Finance, payments firmWe needed exchange connectivity that survives venue outages. They delivered a monitor and failover we actually trust in production, 24/7.
Robert MensahCOO, trading desk
Start a project
Tell us what you're building.
Whether it's a trading platform, an exchange connector, a banking rail or a compliance stack, we'll come back within two business days with honest feedback and a realistic plan — not a sales deck.