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“At Nexilo, we believe every business deserves the power of AI—whether you're just starting or scaling fast. My team and I are here to support your vision and help you move forward with confidence.”
Challenge
- PCI DSS certification and FCA approval, ensuring full regulatory compliance
- Ultra-low latency transactions under 250 milliseconds, delivering a seamless user experience.
- Successful integration of multiple third-party APIs, including GPS, Xero, and CashFlows
Zilch set an aggressive target: release a fully compliant digital wallet & checkout within four months and validate a new buy now pay later (BNPL) model for responsible credit.
The constraints were real.
- A regulated UK fintech environment
- Zero tolerance for latency
- Strict PCI DSS and FCA requirements
- Multiple third-party systems with incomplete documentation
- Pressure to prove the model fast for future investment rounds
Zilch needed a product led software engineering partner that could move with speed, precision, and accountability.
Innovify joined as the sole product and technology development partner, leading the product development from day 0 that would later turn to unicorn level scale.
Key Objectives
- Launch a working digital wallet MVP in four months
- Guarantee full regulatory compliance
- Deliver consistently low latency transactions under 250 ms
- Build a scalable, cloud native architecture ready for rapid growth
- Establish microservices based infrastructure for fast scaling
Solution
Innovify mobilized a dedicated product engineering squad that worked shoulder to shoulder with Zilch’s founders from the earliest product workshops.
We led the discovery and scoped the MVP to meet the core business objectives. We defined the overall technology architecture, and built the entire system for long term scale, beyond launch.
Architecture Engineering
We implemented a serverless microservices framework on AWS to ensure zero downtime, rapid iteration, and elastic scalability. CI/CD pipelines enabled continuous deployment without disrupting live users.
Performance Optimization
To achieve sub 250 ms latency, we finetuned data pipelines, optimized transaction workflows, and built a low latency event system capable of handling high-volume processing.
Compliance by Design
We embedded PCI DSS and FCA requirements into every layer of the build. This ensured the product remained secure and audit ready from MVP to market launch.
Complex Integrations
APIs such as GPS, Xero, and Cash Flows came with fragmented or incomplete documentation. Innovify engineered custom integration layers, stress tested workflows,and worked directly with third-party teams to ensure flawless interoperability.Across the entire journey, Innovify operated as Zilch’s core engineering heartbeat,enabling the founding team to focus on growth, fundraising, and customer acquisition.
Results
- PCI DSS certification and FCA approval, ensuring full regulatory compliance
- Ultra-low latency transactions under 250 milliseconds, delivering a seamless user experience.
- Successful integration of multiple third-party APIs, including GPS, Xero, and CashFlows
Within four months, Innovify delivered a production ready, fully compliant digital wallet that met every performance and regulatory benchmark.
The platform achieved:
- PCI DSS certification and FCA approval
- Real world transactions processed in under 250 ms
- Seamless integration of essential third-party APIs
- A cloud native, microservices based serverless architecture designed for on-demand scaling
More importantly:
The MVP we built together became the foundation of Zilch’s unicorn growth,supporting millions of users and industry leading adoption across the UK.
Innovify wasn’t just a development partner, but we were part of Zilch’s origin story,engineering the platform that enabled them to scale fast, raise aggressively, and redefine a category.
