Apache Fineract vs Blnk: which fits your loan, savings or wallet launch
If you need loans, savings accounts and client records working out of the box, Apache Fineract is the better starting point. If you are building a wallet, payments or a custom lending flow and want a double-entry ledger underneath your own product logic, Blnk fits better. Fineract is a headless, API-first core banking system licensed under Apache-2.0, with client data and KYC documents, loan and savings portfolio management, real-time integrated accounting and configurable products already in scope. Blnk is an Apache-2.0 double-entry ledger that handles balances, inflight transactions, reconciliation and overdrafts, but the product rules a fintech sells are yours to write.
Fineract's advantage matters most when your launch is a conventional lending or deposit product and your team wants to configure rather than code it. Its ready-made products reduce what you build, but the README warns that production deployment can be complex, costly and time-consuming and that organizations may pay a vendor for deployment and maintenance. Fineract also standardizes on PostgreSQL, uses a multi-tenant model with a Fineract-Platform-TenantId header, and does not ship its own user interface, so you will need a front end such as the Mifos X web application or your own.
Blnk's advantage matters when product engineering is in-house and the ledger must fit an unusual flow, such as a stored-value wallet with custom rules. Its Docker Compose stack runs Redis, PostgreSQL 16 and Typesense with Jaeger and Prometheus, so your team owns the workflows, the operations and the audit evidence. The decision turns on three questions: how much of your product scope a core should cover, whether you have engineers who can build and maintain lending or savings logic, and how much workflow automation you are willing to write yourself. Confirm Blnk's version maturity (v0.15.6, still 0.x) against your risk appetite, and ask any vendor for written scope before committing.
Which platform fits which launch scenario
This table maps common launch scenarios to the platform that fits better and explains why. Read each row as a starting point, then check the flip condition against your own roadmap and staffing before deciding.
| Scenario | Better fit | Reason and where the answer flips |
|---|---|---|
| Lending-first launch | Apache Fineract | Fineract ships loan portfolio management, client KYC data and configurable loan products out of the box. It flips toward Blnk if your lending logic is novel enough that configuring Fineract would cost more than building a custom ledger-backed product. |
| Savings or deposit product | Apache Fineract | Savings portfolios, accounting and reporting are part of the Fineract scope, so the product rules come pre-modeled. It flips toward Blnk if you need deposit mechanics the configurable products cannot express and your team is ready to own that logic. |
| Stored-value wallet | Blnk | Blnk's double-entry ledger, inflight transactions and balance snapshots map directly onto wallet balances and holds. It flips toward Fineract if you also need full account servicing, statements and regulated savings records from day one. |
| Payments or rewards ledger | Blnk | Blnk is built for wallets, payments and rewards with scheduled, bulk and reconciled transactions. It flips toward Fineract only if the rewards program is really a savings or loan product that needs core banking servicing. |
| Team that already runs a core banking system | Neither as a replacement, Blnk as a complement | An existing core usually owns customer accounts and books, so Blnk fits as a specialized ledger beside it. Fineract would mean a migration project, so it flips only if the current core is being retired on a planned timeline. |
| Team with Java and PostgreSQL operations skills | Apache Fineract | Fineract is Java-based and standardizes on PostgreSQL, so operators with those skills can run it with fewer new tools. It flips if your team is stronger in Go, TypeScript or Docker Compose operations, where Blnk's stack is easier to adopt. |
| Small team with a product roadmap that changes often | Blnk | Blnk exposes ledger primitives you compose into products, which suits frequent product changes. It flips toward Fineract if the roadmap stabilizes around standard retail lending or savings and you want fewer custom components to maintain. |
| Need for mature release discipline and a fixed core | Apache Fineract | Fineract publishes quarterly releases under the ASF release policy. Blnk still uses 0.x version numbers, so confirm its upgrade and compatibility policy with the project before you depend on it. |
How Fineract and Blnk are built and what that means for operations
Fineract and Blnk take very different shapes: one is a headless core banking engine with a fixed data layer, the other a ledger service with a broader supporting stack. The cards below cover what each is built from and what those choices mean for scaling, upgrades and on-call work.
Fineract is headless and API-first
Fineract exposes REST APIs and provides no user interface of its own. Your team, or a front end such as the Mifos X web application that the README uses in its Kubernetes example, must supply every screen staff and customers see. Before committing, confirm which channels you will build, who owns them, and whether your product roadmap needs features that only a bundled front end would provide.
Multi-tenancy through a header
Fineract is multi-tenant. Each API request carries a Fineract-Platform-TenantId header, and tenant database connections come from a tenants database. Tenant design affects how you separate business units, environments and data residency. Ask your implementation partner how tenants will be provisioned, backed up and restored individually, and how a tenant-level incident is contained.
PostgreSQL is the only recommended database
The Fineract README recommends PostgreSQL and marks MariaDB and MySQL as deprecated under FSIP-9, and the official Docker image ships only the PostgreSQL JDBC driver. Database skills, backup tooling and high-availability patterns on your side should be PostgreSQL-based. Blnk's Compose file also uses PostgreSQL 16, so a shared database team could support both, although the two schemas stay separate.
Read, write and batch instance roles
Fineract instance types are set by environment variables. The documentation recommends one write instance, one batch instance and multiple read instances on database read replicas for high load. Liquibase migrations run only on write instances, and on Kubernetes they can run separately with the liquibase-only Spring profile. Plan scaling, replica lag tolerance and the order of upgrade steps around these roles.
Blnk runs a server, worker and data stack
Blnk's Docker Compose file runs a Blnk server and a worker alongside Redis, PostgreSQL 16 and Typesense, with Jaeger and Prometheus for observability. Each component is a service your team must patch, back up and monitor. Ask for the expected failure modes of the worker and of Redis, and confirm how queued transactions behave if either is unavailable.
Observability and on-call load
Blnk ships Jaeger tracing and Prometheus metrics in its reference Compose setup, which gives on-call engineers a starting point for alerting. Fineract's documentation describes instance roles but does not supply a complete monitoring stack in the same way, so you should define dashboards, alert thresholds and log retention yourself. Confirm which signals each platform exposes in your environment before you size the on-call rota.
Production complexity is a stated risk
The Fineract README warns that a production deployment can be complex, costly and time-consuming, that the project does not provide a comprehensive production deployment guide, and that organizations may pay a vendor for deployment and maintenance. Budget for an implementation phase, a hardening phase and a continuing upgrade effort. Ask any partner for a written scope covering deployment, backup, upgrades and documentation.
How Apache Fineract and Blnk compare on stack, maturity and features
This table compares Apache Fineract and Blnk on scope, data model, database, deployment, API style, release cadence, reconciliation, identity features and front ends. Read each row as a question to put to both projects, since the rows show where each one is established and where your team must confirm details.
| Capability | Apache Fineract | Blnk |
|---|---|---|
| Primary scope | Core banking for client data, KYC documents, loan and savings portfolios, accounting, reporting and configurable products | Double-entry ledger you build wallet, payment, lending or rewards products on top of |
| Built-in financial products | Loan and savings products and business rules ship in the platform | Ledger primitives only; confirm which product logic your team must write |
| Data model | Core banking domain model with clients, loans, savings and accounting | Balances, transactions, inflight transactions, identities and linked personal data |
| Database | PostgreSQL recommended; MariaDB and MySQL deprecated under FSIP-9 | PostgreSQL 16 in the Docker Compose stack, alongside Redis and Typesense |
| Deployment footprint | Multi-tenant, with read, write and batch instance types and Liquibase migrations on write instances | Server and worker with Redis, PostgreSQL, Typesense, Jaeger and Prometheus in the reference Compose file |
| API style | Headless REST APIs with a Fineract-Platform-TenantId header for tenant routing | Ledger API served on port 5001 in the quick start; confirm the full API surface and auth model |
| Release cadence and maturity | Quarterly releases at quarter end; latest stable 1.15.0, released July 14, 2026 | Version 0.15.6, released September 28, 2026; 0.x numbering signals a pre-1.0 API |
| Reconciliation | Real-time integrated accounting; confirm reconciliation tooling for your external bank records | Matches external records against the ledger with custom rules; confirm rule coverage for your sources |
| Identity and tokenization | Client data and KYC documents are managed in the platform; confirm tokenization needs | Creates identities, tokenizes personal data and links identities to balances and transactions |
| Front-end availability | No built-in UI; Mifos X web application is the front end in the Kubernetes example | Blnk Cloud includes a dashboard; confirm the self-hosted Core UI before planning |
What the Apache-2.0 licenses and paid options cover
Apache Fineract is an Apache Software Foundation project licensed under the Apache License 2.0 (SPDX: Apache-2.0). That license allows you to run, modify, embed and redistribute the software in a commercial product, including a proprietary one, provided you keep the license and notices and follow its terms on attribution. No vendor edition gates the core engine, so the license cost is zero, but the cost of running it is not. The project states that production deployments can be complex, costly and time-consuming, and that organizations may pay a vendor for deployment and maintenance.
- Core engine license: Apache-2.0 covers the headless REST engine, with no paid tier required to use it.
- Front end is separate: The Mifos X web application is licensed under MPL-2.0. It is an optional front end, so its file-level copyleft terms apply only to the modified web code you ship.
- Support is a service, not a license: Any paid support comes from a vendor or service provider, and its scope is set by a contract, not by the license.
- Release cadence: Official releases are created quarterly under the ASF release policy, and end-of-life releases are archived. Confirm which release line your provider will maintain.
- Commercial terms: Ask any support provider whether it offers patched builds, security notices and upgrade help, and in what written terms.
Confirm with your legal team whether MPL-2.0 file-level obligations apply to your planned web changes, and get any vendor support terms in writing before signing.
Blnk is licensed under the Apache License 2.0 and describes itself as an open-source, double-entry ledger for teams building fintech products. The open-source Core can be self-hosted: the quick start clones the repository and runs docker compose up, serving the instance on port 5001. Blnk also documents two commercial routes, Enterprise Core and Blnk Cloud, and offers paid support plans alongside the open-source project. The license covers the open-source code, so the features and terms of the paid editions are separate and must be read in their own agreements.
- Open-source Core: Apache-2.0 permits self-hosting, modification and commercial use of the Core code, subject to the license's notice terms.
- Enterprise Core: Documented as a separate deployment option. Confirm which features, support levels and licensing terms it adds over Core.
- Blnk Cloud: A managed Core with a dashboard for managing transactions. Your data residency and hosting location are set by the provider, so confirm them against your requirements.
- Paid support plans: Offered alongside the open-source project. Ask what response commitments, security patching and upgrade help are included, and whether they are written as an SLA.
- Version maturity: The project still uses 0.x version numbers, so ask how breaking changes between releases are handled and what backward compatibility commitments exist.
Confirm edition contents, support commitments and whether Enterprise Core terms differ from Apache-2.0 before you sign.
Both platforms are Apache-2.0 at the core, which generally permits a self-hosted product to be run, changed and distributed in commercial settings. The license does not decide whether you need paid help, and it does not transfer security responsibility to the project. For a regulated fintech, the practical question is which components you run, which you modify and which you buy as a service, because each category carries different obligations and different costs.
- Run and modify: Apache-2.0 allows internal use and modification without royalties, provided notices are kept.
- Redistribute: If you ship a product or hand the software to a third party, include the license text and any required notices.
- Patent terms: Apache-2.0 includes an express patent grant from contributors, which your counsel should review against your own patent position.
- Mixed components: Mifos X web code under MPL-2.0 and any Blnk paid features each bring their own terms, so track them separately.
- Trademarks: The license does not grant trademark rights, so check naming rules before you brand a distribution.
Ask counsel to produce a component list with each license and obligation, then compare it with the vendor agreements you are prepared to sign.
The paid options differ in kind. For Fineract, the main paid spend usually goes to an implementation and operations provider, a relationship defined by a scope document, not by a product edition. For Blnk, the documented commercial routes include Enterprise Core, a managed Blnk Cloud and paid support plans. Costs split into one-time work, such as deployment and integration, and recurring items, such as support, hosting and upgrades. Each cost driver depends on your scope, data volume and hosting model, so no comparison of list prices is possible from public information.
- Fineract provider: Typically one-time for implementation, then recurring for maintenance and upgrades, sized by the written scope.
- Blnk Enterprise Core: Confirm whether the fee is recurring, what it covers and whether it is priced per instance, per user or per volume.
- Blnk Cloud: A recurring hosted service, so ask about data location, backups, uptime commitments and exit terms.
- Blnk support plans: Recurring. Ask what response targets, named contacts and security advisories are included.
- Exit costs: Ask how data and configuration can be exported if you leave a managed or paid tier.
Request written quotes that list each edition, support tier and exit provision, and ask each vendor to confirm the price basis in writing.
Before signing with any vendor, the license is only one part of the agreement. Edition contents, support commitments, upgrade paths and data exit terms are set by contract, and they can change between versions. Public documentation describes what exists, but a product page is not a binding statement of what you will receive. Put every claim you rely on into the signed agreement, and check the license of every component you will run in production.
- Edition contents: Ask Blnk to list the features included in Core, Enterprise Core and Blnk Cloud in writing.
- Support scope: Confirm response times, supported versions and whether security fixes are backported.
- License obligations: Have counsel review Apache-2.0 notices, MPL-2.0 file-level terms and any proprietary add-ons.
- Upgrade and deprecation: Ask how breaking changes, release windows and end-of-life notices are communicated.
- Data portability: Confirm export formats and assistance if you move from a managed service back to self-hosting.
Treat any vendor statement that is not in the signed scope as unconfirmed until it is written into the agreement.
What drives the running cost of each platform
Both platforms are licensed under Apache-2.0, so running cost comes from what you operate and who maintains it, not from license fees. For Apache Fineract, the largest recurring line is the instance layout. The Fineract documentation describes read, write and batch instances set by environment variables and recommends one write instance, one batch instance and multiple read instances on database read replicas for high load. Every component runs on PostgreSQL, the database the project standardizes on, so you pay for compute, storage, backups and failover for the primary and each replica. The Apache Fineract README and releases warn that production deployments can be complex, costly and time-consuming. Ask any implementer to price the layout your transaction volume requires, not a single-node demo.
Blnk's recurring footprint has a different shape. The Blnk docker-compose.yaml runs a Blnk server and a worker alongside Redis, PostgreSQL 16 and Typesense, with Jaeger and Prometheus for observability. Each of those services needs sizing, backup, patching and monitoring before the ledger carries money, and the Redis and Typesense data must be recoverable alongside the ledger. Blnk Cloud shifts that operating load to a managed Core with a dashboard, and paid support plans are available alongside the open-source project. Confirm whether a support plan covers server and worker upgrades, and how backups of Redis and Typesense are handled and tested.
Separate one-time work from recurring work when you read a quote. One-time items include designing the product catalog or ledger model, integrating with your core systems, migrating data and hardening the environment. Recurring items include hosting, monitoring, upgrades and support. Fineract ships quarterly releases, so plan a steady cadence of upgrade windows, and note that Liquibase migrations run only on write instances, which the runbook must sequence. Blnk uses 0.x version numbers, its latest release at the time of writing is v0.15.6 from September 28, 2026, and minor releases may change behavior, so budget regression testing of your custom ledger logic at every upgrade. Ask for each upgrade cycle to be priced separately, with the release train the implementer will track.
Moving from one platform to the other without losing ledger history
This sequence shows how a team moves customer, account and balance records between Fineract and Blnk without breaking ledger history, and how it proves the new platform matches the old one before cutover. It also flags where switching cost sits, which is in product logic that is coupled to the platform rather than in the data itself.
Inventory products, rules and integrations first
Before any data moves, the product team lists every loan, savings or wallet product, its fee and interest rules, approval workflows, reporting outputs and every API consumer that calls the platform. Your engineers and finance lead own this list, and the output is a signed inventory that maps each item to its equivalent on the target platform. Where a Fineract product rule has no direct Blnk construct, or the reverse, the team records it as a rebuild item, not a data migration item. The step is done when every product and integration has a named owner and a target-side design.
Define what transfers and what is rebuilt
Split the scope into two lists. The transfer list covers customer and account records, current balances, transaction history and reconciliation matching rules, which must be exported with their identifiers intact so each entry can be traced back to its source. The rebuild list covers product definitions, business rules, workflows, API integrations and reports, which are recreated on the target platform and tested again. Compliance and data protection leads confirm which personal data is exported, how it is protected in transit and who approves the transfer. The step closes when both lists are signed off.
Build the target platform and rebuild products
Stand up the target environment in your own infrastructure, then rebuild each product and rule from the rebuild list. For Fineract, this means configuring products and business rules through its APIs and a front end such as Mifos X if you use one. For Blnk, it means modeling balances, transaction types, inflight handling and reconciliation rules in the ledger. Confirm the deployment choices, including database and backup setup, before the first load. The step closes when each rebuilt product passes a scripted test run against the expected outputs from the source system.
Migrate historical records and reconcile balances
Load customer, account and balance records, then load transaction history in an order that keeps references valid. Run a reconciliation that compares totals, balances per account and entry counts between source and target. Any difference is logged with a cause and an owner, and the load is repeated until the variance is explained. Keep the source system read-only during the final load so no entries arrive mid-check. The step is complete when the reconciliation report shows every account matched or every exception documented and accepted by finance.
Run both platforms in parallel
Send live activity to the source platform and mirror the same transactions into the target in a controlled environment for an agreed period. Compare daily balances, fees, interest accruals, and reporting outputs between the two. Track each mismatch to a root cause, fix the rule or data, and rerun the affected period. Ask your vendor or implementer to confirm how parallel running is supported for the specific versions you deploy. The step is done when the mismatch log is empty for an agreed set of test cycles.
Validate controls, audit trail and reporting
Confirm that the target platform keeps the audit trail, access controls and reporting your auditors and regulators expect. Test that a sampled transaction can be traced from the customer view to the ledger entry and back, and that historical reports from the old system can be reproduced or explained. Involve internal audit or your compliance function so evidence is collected while the parallel run is still live. The step is complete when the evidence pack is accepted by the compliance owner, and it is retained alongside the migration record.
Cut over and keep the source read-only
Agree a cutover window with operations, finance and any downstream integrators. Freeze new writes in the source, run the final incremental transfer, reconcile the last delta, then switch integrations and users to the target. Keep the source system read-only and retained for the period your records policy requires so historical queries remain possible. The output is a signed cutover record listing the final balances, the reconciliation result and the rollback decision point. Once cutover is accepted, the source is decommissioned under a separate, documented plan.
Plan for the cost of a later switch
Before committing to either platform, record the parts of the product logic that would need rebuilding if you moved again, including custom rules, workflows and integrations built on platform-specific APIs. Ask each vendor or implementer for a written statement of export formats, data model documentation and support for their upgrade path. Test a small export and import early, so you know the effort before it becomes a deadline. Treat this as a standing decision record, reviewed when product scope or regulation changes.
Where Fineract and Blnk implementation projects usually run long
Fineract projects usually run long on configuration and operations, not on code. Most of the work is setting up loan and savings products, business rules, accounting mappings and client and KYC data structures, then standing up the platform around them. Each tenant is identified by the Fineract-Platform-TenantId header and its connection comes from a tenants database, so tenant setup, naming and onboarding order need to be settled before build begins. The Fineract README warns that production deployments can be complex, costly and time-consuming and that the project does not provide a comprehensive production deployment guide. Plan for PostgreSQL operations, including backups, replicas and read and write instance layout, and for Liquibase migrations, which run only on write instances. Because Fineract has no user interface of its own, the front end decision (adopt Mifos X, build your own, or use another client) is a scope item that can add months if left open. Your team must own database administration, release upgrades on the quarterly cadence, and the product configuration knowledge that a vendor or internal staff will need to maintain.
Blnk projects usually run long on design decisions that the product does not make for you. Blnk gives you a double-entry ledger with balances, snapshots, inflight transactions that are later committed or voided, scheduled and bulk transactions, and overdrafts. Your team must decide the balance model, how each loan disbursement, repayment, wallet hold or reward maps to transaction flows, when inflight amounts expire or are voided, and how overdraft rules behave under failure. Reconciliation is a second large workload: external records (bank files, processor settlements) must be matched against the ledger through custom matching rules that your team writes and tests. Identity linking, which ties identities and tokenized personal data to balances and transactions, adds a compliance design task. The application around the ledger, including customer onboarding, lending logic, the user interface and the operations console, is not included, and most of the schedule risk sits there. Confirm the Blnk version and deployment option (open-source Core, Enterprise Core or Blnk Cloud) before sizing the team, because the 0.x version line signals that interfaces may still change. Staff engineers with ledger design, payments operations and fintech domain knowledge in-house. DeployOpen plans and implements work of this kind as fixed-scope engagements agreed in writing before work starts, so the boundaries of each project can be fixed in the statement of work before timelines are set.
Questions buyers ask before choosing Apache Fineract or Blnk
What drives the total cost of running Fineract versus Blnk?
Cost follows the amount of product you build yourself, plus the infrastructure and people to operate it. Fineract ships ready-made client, loan, savings, accounting and reporting products, so most of your spend goes to configuration, integration, a front end and operations. Blnk supplies a double-entry ledger, so your team builds the lending, savings or wallet logic on top, which shifts spend toward engineering time. Both are free to license under Apache-2.0, so the recurring costs are hosting, database operations, staff and any support contract. The Fineract README warns that production deployment can be complex, costly and time-consuming and that organizations may pay a vendor for deployment and maintenance. Ask any quote to split one-time build work from recurring operations and to list the infrastructure assumed for each platform.
How long does a fintech launch on Fineract or Blnk usually take?
Timing depends on scope, not on the license, so no single duration applies to both platforms. Fineract timing is driven by configuring products, migrating client data, setting up tenants, integrating payments and KYC providers, and building or adopting a front end, since Fineract provides only REST APIs. Blnk timing is driven by modelling your balances, transaction flows and reconciliation rules, then building the product logic that uses them. Regulatory approvals and testing in your own environment often set the critical path. Neither source gives a launch duration, so request a timeline in a written, fixed-scope plan that names the deliverables and the acceptance tests for each stage.
Can a team with general backend skills run Fineract or Blnk?
A general backend team can operate either platform, but the skills differ. Fineract is a Java-based, multi-tenant system with a PostgreSQL standard, read, write and batch instance types, and Liquibase migrations that run only on write instances, so operators need database and JVM experience. Blnk runs as a server and worker with Redis, PostgreSQL 16, Typesense, Jaeger and Prometheus through Docker Compose, so the team needs container, observability and data-store skills and must design its own product logic. Blnk is at version 0.x, so plan for API change. Assess your team against those specific components before committing.
Can Blnk support loans without custom development work?
Blnk does not ship a ready-made loan product, so loans require custom development on top of its ledger. Its features cover balances, snapshots, inflight transactions that can be committed or voided, scheduled and bulk transactions, overdrafts and reconciliation with custom matching rules, which are the building blocks a lending product uses. Interest accrual, amortization schedules, repayment rules and loan lifecycle states must be designed and built by your team or a partner. If you need those features out of the box, Fineract is the platform that already covers loan portfolio management. Confirm each required loan behavior against the Blnk documentation before you commit to a design.
Does Fineract need Mifos X to work?
No. Fineract is a headless, API-first core banking system that runs on its own, and it does not include a user interface. Mifos X is a distribution that combines Fineract with a web client and mobile client, licensed under MPL-2.0 for the web app. You can deploy Fineract and build your own front end, or deploy Mifos X if its web and mobile apps fit your staff and customer journeys. The Fineract README points to the Mifos X web application as the front end in its Kubernetes example. Decide this early, because the front end choice changes the build scope, the license obligations and the skills you need.
How does licensing affect building a commercial fintech product?
Both core platforms use permissive terms, but the components around them can differ. Fineract and Blnk are both licensed under Apache-2.0, which allows commercial use, modification and distribution under its conditions. The Mifos X web app is licensed under MPL-2.0, a file-level copyleft license, so changes to its files must be shared under that license when distributed. Review each dependency, plugin and hosted service in your stack, and have counsel confirm how the terms apply to your distribution and hosting model. Blnk also offers Enterprise Core and Blnk Cloud, so check which terms apply to each option you consider.
When should a fintech bring in an outside implementation partner?
Bring in a partner when the internal team lacks capacity or the skills for the chosen platform, or when the timeline depends on evidence your own staff cannot yet produce. DeployOpen plans, implements, customizes, integrates, hardens, backs up, upgrades and documents self-hosted open-source platforms inside your own cloud accounts, data centers or air-gapped networks, and most engagements are fixed-scope with scope, deliverables and timelines agreed in writing before work starts. DeployOpen does not publish a price list, and a quote follows from the written scope. DeployOpen prepares systems and evidence for compliance assessments but does not issue audit reports or certifications, so ask any partner to show how their work maps to your assessor's expectations.
How DeployOpen helps choose, implement and migrate either platform
DeployOpen plans, implements, customizes, integrates, hardens, backs up, upgrades, documents and supports self-hosted open-source platforms inside your own cloud accounts, data centers or air-gapped networks. For a Fineract or Blnk decision, we start from the product scope your fintech needs and work through the stack, data and team skills that follow from it.
How we scope
- Map the loan, savings, wallet or ledger products you need against what each platform provides out of the box
- Agree the target stack, hosting model and database choice in writing before any build work starts
- Define the written deliverables, timelines and acceptance criteria for the chosen platform, fixed in scope
How we build
- Configure Apache Fineract products and business rules, or model Blnk ledger balances, transactions and reconciliation rules, to your written scope
- Integrate identity, KYC document flows, accounting exports and payment connections with your existing systems
- Test the deployment, including security testing of APIs and the integrations around them, and document the results
How we hand over
- Deliver runbooks for deployment, backups, upgrades and the database setup your team will operate
- Document configuration, data flows and control evidence so your compliance team can prepare for assessments
- Train your engineers on the platform they will run, and state clearly which items remain your responsibility
How we support
- Offer ongoing support, upgrades and continuous testing as a retainer after handover
- Plan release upgrades against the vendor's published release cycle, confirmed for your version at the start
- Confirm support boundaries, response expectations and escalation paths in the written agreement
