— AI · Fintech product generation

AI for fintech that ships the whole regulated product.
Not just code.

Most 'AI for fintech' is a chatbot, a copilot, or a snippet — and it leaves the regulator to you. But the hard part of fintech was never the code. It was the licence-aware architecture, the audit trail, and the evidence pack that makes a regulator say yes. Minctrl's LangGraph pipeline of 28+ agents produces both: a runnable product and its compliance evidence, in 30 minutes for ~$1.47 in tokens. Not a code generator — an automated engineering team.

EU AI ActDORAMiCAMiFID IIPSD2GDPRISO 27001SOC 2AML/KYC

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— What you get

Generated automatically by the pipeline.

Production code + tests

A runnable product with test coverage — not a snippet you integrate for weeks. The execution agents ship the build; the pipeline gates it.

Compliance audit pack

Every build maps controls to EU AI Act, DORA, MiCA, PSD2 and GDPR. The compliance_officer agent produces the evidence — not a checklist you fill in later.

Domain-aware agents

28+ specialists that understand FIX, MiFID, PSD2 and reentrancy/MEV. Three tiers: Opus reasons, Sonnet brings the fintech specialism, Haiku ships the tasks.

9 stages, human gates

The pipeline pauses for human approval between each of its 9 stages. Agents propose; you decide. Nothing advances without passing its checkpoint.

Full audit trail

Every agent decision, cost and approval is logged and replayable. Deterministic. Auditable. No black box.

30 minutes, ~$1.47

A regulated product for the price of LLM tokens — versus 2–6 weeks and a five-to-six-figure build that ships with no compliance pack at the end.

— Best fits

Start with one of these product types.

Banking-as-a-Service

Issue accounts, cards and payments under licence cover. PSD2 + EMI + DORA evidence in the pack.

Open archetype →

Neobank

Full retail bank product — KYC, ledger, cards. AI Act + DORA + AML mapped to articles.

Open archetype →

Embedded Finance

Wallets, cards and payments inside another brand's app. Read-only integration, partner-bank licence.

Open archetype →

KYC Platform

Biometric-liveness AI is Annex III high-risk. AI Act + AML5/6 + GDPR special-category data covered.

Open archetype →

— FAQ

Questions we hear often.

Is AI-generated fintech code actually auditable?

Yes. Every build emits a full agent log, a decision trail and a cost breakdown. Nothing advances a stage without passing its checkpoint, and a human review gate sits between all 9 stages. The run is deterministic — re-run it and the auditor gets the same result.

Which regulations are covered?

14 frameworks are built into every pipeline as mandatory stages, not add-ons: EU AI Act, DORA, MiCA, MiFID II, PSD2, GDPR, ISO 27001, SOC 2, AML/KYC and more. The compliance_officer agent maps each design decision to its article.

Does a human stay in the loop?

Always. The pipeline pauses for human approval between each of its 9 stages. The agents propose architecture, code and controls; a person signs off before anything advances.

Is this just a code generator with a fintech prompt?

No. It's an automated engineering team — 28+ role-playing agents (CTO, architect, security, compliance) producing the product and its compliance evidence, not a single model emitting code.

— Keep reading

Compliance automation

The audit pack, generated inside the build — not bolted on after.

Read →

Agentic AI, explained

How the 28-agent pipeline actually ships software.

Read →

AI app builder

Ship production, not prototypes.

Read →