Financial technology
for open banking.
Spaceshift OÜ builds and operates the software behind regulated money flows — bank connectivity, payment initiation, ledgers and the data platform that keeps them auditable.
Between the banks and your product
We sit in the middle: normalising what banks expose, moving money through it, and keeping a ledger you can reconcile and report on.
What we work on
Open banking connectivity
Account information and payment initiation against bank APIs, with consent handling, token lifecycles and per-bank quirks absorbed behind one interface.
Payment infrastructure
Initiation, routing, status tracking and reconciliation — built so that every movement of money has a record that survives an audit.
Core banking & ledger
Accounts, balances, limits and postings: the double-entry core that products such as wallets, lending and payouts are built on top of.
Lending & credit data
Application flows, scoring inputs and decisioning data, assembled from transaction history and external sources.
Data platform
Normalising, enriching and storing transaction data so downstream products, risk models and reporting all read the same numbers.
Computing infrastructure
Hosting, operating and monitoring the systems above — our registered field of activity in Estonia (EMTAK 63101).
Small team, written-down decisions
- Start from the flowsBefore any code, we map the money and data movements end to end — including what happens when a bank times out.
- Own the boring partsIdempotency, retries, reconciliation and audit trails are the deliverable, not an afterthought.
- Build or acquireWhere a proven platform already exists, we would rather license or acquire it than rewrite it — and we assess both routes openly.
- Leave you the keysSource, infrastructure and runbooks are handed over. No lock-in by obscurity.
Have a payments or open banking problem?
Tell us the flow you are trying to build. We answer from Tallinn, usually within a working day.