Multi-currency card platform
Multi-currency corporate-card platform on Rails + Node + AWS, card issuance, transaction processing, and spend controls built for cross-border operations.
Case Study · FINTECH · YC S20
Volopay: Building a $30M YC fintech from V0
Corporate cards and spend management across 6 countries.
The story
What Volopay needed, and what we built.
Volopay's founders needed to build a corporate-card and spend-management platform with multi-currency support, real-time card controls, and compliance for multiple Asian markets. Hiring in-house would have burned through their seed runway. KUMO's team built the first production version end-to-end and stayed on as the engineering partner through the platform's growth to 6 countries. Today, AI agents we built handle transaction reconciliation, KYC, and document processing.
What we delivered
Six areas of production work.
Cross-border compliance
KYC, sanctions screening, transaction monitoring, and audit-trail generation across six jurisdictions with regulator-friendly reporting.
AI reconciliation agents
Production AI matching payments to invoices, flagging anomalies, classifying expenses, and routing exceptions to finance teams.
Real-time card controls
Per-card limits, merchant-category controls, instant freeze/unfreeze, and FX policy enforcement at the spend point.
Production observability
Distributed tracing across services, fraud-monitoring dashboards, drift alerts as the model and traffic mix evolved through scale.
Engineering partnership through scale
Three-year partnership from V0 through to $30M raised and six countries operational, not a hand-off-and-leave engagement.
Highlights
Project highlights.
"KUMO are our go-to consultants when it comes to solving deep fintech technical architecture problems and building custom AI tools."
Rajesh Raikwar
CTO, Volopay (YC S20)More work.
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