AI-native financial infrastructure, available to a strategic acquirer
SmartPayEngine is a developed technology platform for payments, multi-currency operations, merchant financial operations, ledger architecture with append-only protections, reconciliation, settlement and payout workflows, risk and fraud operations, financial controls, administrative control and developer integration. It is evaluated as a technology, IP and digital-asset acquisition — covering source code, product architecture, brand, domains, UI/UX, database architecture, financial controls, operational infrastructure, integration work and associated digital assets, subject to the definitive acquisition agreement. The platform runs in sandbox/test mode and is pre-revenue.
Technology thesis
Infrastructure, not an app
The platform is structured as a financial operating layer — transaction engine, ledger, risk, settlement and merchant operations — so it can sit beneath a buyer's own product rather than compete with it.
AI built into the operating layer
Intelligence is applied to financial operations, risk insights and transaction analysis inside the workflow, rather than added as a separate assistant surface. Money-moving actions remain operator-driven.
Time and engineering already spent
A buyer acquires a working codebase, data model and control architecture, shortening the path from decision to a production programme of their own.
Optionality for adjacent products
The payment infrastructure can potentially serve as the underlying financial layer for broader fintech products — embedded finance, merchant technology, marketplace payouts or platforms that require a fiat payment layer — subject entirely to the buyer's own integrations, licensing and regulatory approvals.
What has been built
All capabilities below are implemented and exercised in sandbox/test mode. No production payment traffic, customer funds or live merchant volume exists today.
Core infrastructure
- Transaction engine and payout workflows
- Multi-currency operations across USD, EUR and GBP with FX conversion
- Settlement and reconciliation workflows
- Administrative controls and operational tooling
AI layer
- Transaction analysis and operational intelligence over financial records
- Risk and fraud signals surfaced inside operational workflows
- Server-side model access; no model weights are shipped in the product
Merchant infrastructure
- Merchant financial command center
- Balances, payouts and transaction history views
- Payee and beneficiary management workflows
Ledger and reconciliation
- Double-entry ledger data model
- Currency-aware balances and movement records
- Reconciliation views over ledger movements
Risk and control architecture
- Role-based administrative access
- Row-level security on the data layer
- Security response headers, CSP and HSTS on the web layer
- PIN enforcement, transaction and daily limits, velocity controls and kill switches
- Refund and dispute workflows, with reversal monitoring and audit
Developer and integration infrastructure
- Documented API surface and typed clients
- Database migrations and reproducible environment setup
- Automated test suites and an Android build pipeline
Technology stack
- Frontend: React 19, TypeScript, TanStack Start (SSR)
- Backend: ASP.NET Core 8, Clean Architecture
- Data: Postgres with a double-entry ledger schema and migrations
- AI: Anthropic API (Claude), server-side
- Mobile: Capacitor Android project and build configuration
- Testing: Vitest, Playwright, xUnit
- Hosting: SSR on Cloudflare Workers (deployed via Lovable)
Assets potentially included
- Source code for the application and marketing platform
- Brand assets, logo and product identity
- smartpayengine.com and associated subdomains
- Database schema, migrations and server functions
- Android project and build configuration
- Technical documentation, setup and hand-over material
- Advisory transition support from the founding engineer
Indicative only. The exact assets transferred are subject to the definitive acquisition agreement.
Ideal strategic acquirer
The platform suits an acquirer that already holds, or intends to obtain, the integrations, licensing and regulatory permissions required to operate payments in its market.
SmartPayEngine does not provide crypto trading, custody, brokerage, investment management or wealth-management services. Its payment infrastructure can potentially serve as an underlying financial layer for such products, subject to the buyer's own integrations, licensing and regulatory requirements.
Current commercial status
- Technology platform is developed and demonstrable
- Sandbox/test environment is available for evaluation
- Ledger, risk, financial controls and merchant workflows are implemented
- Reversal handling is read-only monitoring and audit today
- Pre-revenue; no commercial payment operation
- No live customer funds or merchant processing volume
- No banking relationships, financial licences or regulatory approvals
- No production payment-gateway processing
- No independent security audit or compliance certification
Production activation requires the acquirer's own payment-provider agreements, licensing where applicable, compliance programme, independent security review and operational readiness work.
Request the buyer pack
Every request is reviewed personally before the buyer pack is released. Once approved, we email the full pack: product overview, feature inventory, architecture and security summary, technology stack, sandbox status, digital assets, current operating status, known dependencies, production activation requirements and acquisition rationale.
Pricing is discussed directly with qualified parties. Assets transferred are subject to the definitive acquisition agreement.