The Sovereign Core of Series A FinTech.

Bank-grade compliance. Total code ownership. Zero vendor dependency.

The infrastructure layer your Series B investors expect to find.

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why your stack is a liability

Speed got you here.
It won't get you funded.

The codebase that shipped your MVP is now technical debt with a compliance problem attached. We rebuild it as bank-grade infrastructure; DORA-aligned, audit ready, and engineered to survive institutional due diligence.

SYS_DIAGNOSTIC // agency_build_v1.2.4
MONTH 00 / 24 HEALTH
the four systems

Nothing Rented. Nothing Leased. Nothing Locked.

Four systems. One architecture. Deployed in weeks. Owned forever.

WealthTech
BaaS
RegTech
Global

Vertical-Calibrated Frontend

Engineered for compliance from the DOM up. Zero risk of FCA/SEC rejection due to frontend disclosure failure.
// DORA COMPLIANT
// CASS 15 SECURE
// PSD3 ALIGNED
// SOC 2 TYPE II
// GDPR SECURE
// ISO 27001 GOVERNANCE
// MICA READY
// PCI DSS LEVEL 1
// AMLA ENFORCED
// FCA COMPLIANCE
// DORA COMPLIANT
// CASS 15 SECURE
// PSD3 ALIGNED
// SOC 2 TYPE II
// GDPR SECURE
// ISO 27001 GOVERNANCE
// MICA READY
// PCI DSS LEVEL 1
// AMLA ENFORCED
// FCA COMPLIANCE

Audit-Ready Infrastructure

Your auditor sees the controls directly in the UI, not a separate document. Built to survive DORA and CASS 15 scrutiny by default.
Visitor to deal pipeline Anonymous visitor enriched through Apollo, scored against ICP, routed into HubSpot as a qualified deal. VISITOR // anon APOLLO // enrich ICP // score HUBSPOT // deal

Visitor-to-Deal Pipeline

Traffic enriched via Apollo, scored against your ICP, and routed to HubSpot. Every visitor traceable with zero spreadsheet glue.
‍

True IP Transfer

Day one of your contract, the repository is yours. No SaaS lock-in. No licensing fees. No agency holding your technical roadmap hostage.
live compliance ops

Compliance by code.
Not by accident.

KYC, AML, and transaction monitoring engineered into one live system: DORA-aligned, CASS 15-ready, observable from a single pane. No third-party dashboards. No reconciliation overhead. No diligence surprises.

ID:usr_892x
DOC:PASSED
LIVENESS:TRUE
VERIFIED ✓
NETWORK_VELOCITY
LIVE
CORE_INFRASTRUCTURE
EU-WEST_NODE
68%
US-EAST_NODE
82%
APAC_ROUTER
54%
LIVE · STREAMING
NODE_CLUSTER · EU-WEST-1
THROUGHPUT2,847/s
P9947ms
UPTIME99.998%
intelligence

The Horizon is Heavily Regulated.

Real-time intelligence on European tech enforcement, data syndication, and DORA mandates.
We don't just build your infrastructure; we continuously calibrate it against the regulatory horizon.

AI Content Labeling Draft Published
Article 50(2) content marking obligations now have hard 2 December 2026 deadline under Digital Omnibus deal. Code of Practice on Transparency to be finalised.
May 7, 2026
LIVE
PSR/PSD3 Final Texts Published
COREPER endorsed agreed texts on 22 April 2026 ahead of Parliament plenary. Official Journal publication expected Q2/Q3 2026. PSPs face 18-month transposition window for VoP API and fraud liability shift.
April 23, 2026
ALERT
ESAs Designate Critical Cloud Providers
First cohort of critical third-party providers designated under DORA. Subjects hyper-scalers to direct regulatory inspection and 1% penalty.
November 18, 2025
SECURE
DORA Article 30 Register Deadline Live
FCA and PRA confirmed Q2 2026 deadline for UK firms in scope of DORA equivalence to submit Register of Information on ICT third-party arrangements. Concentration risk disclosure now mandatory.
April 30, 2026
LIVE
FCA Proposes Credit Data Syndication
CP26/7 mandates universal data sharing with designated consumer credit agencies, requiring massive concurrent API ingestion architectures.
February 26, 2026
ALERT
UK DUAA Data Export Rules Live
Deprecates Schrems II equivalence. Mandates a 'not materially lower' test for cross-border data routing and API telemetry streams.
February 5, 2026
LIVE
Digital Omnibus Delays AI Act High-Risk Rules
Co-legislators agreed to push Annex III high-risk obligations to 2 December 2027 and watermarking obligations to 2 December 2026. Fintechs gain runway but compliance scope expands.
May 7, 2026
ALERT
AI Content Labeling Draft Published
Article 50(2) content marking obligations now have hard 2 December 2026 deadline under Digital Omnibus deal. Code of Practice on Transparency to be finalised.
May 7, 2026
LIVE
PSR/PSD3 Final Texts Published
COREPER endorsed agreed texts on 22 April 2026 ahead of Parliament plenary. Official Journal publication expected Q2/Q3 2026. PSPs face 18-month transposition window for VoP API and fraud liability shift.
April 23, 2026
ALERT
ESAs Designate Critical Cloud Providers
First cohort of critical third-party providers designated under DORA. Subjects hyper-scalers to direct regulatory inspection and 1% penalty.
November 18, 2025
SECURE
DORA Article 30 Register Deadline Live
FCA and PRA confirmed Q2 2026 deadline for UK firms in scope of DORA equivalence to submit Register of Information on ICT third-party arrangements. Concentration risk disclosure now mandatory.
April 30, 2026
LIVE
FCA Proposes Credit Data Syndication
CP26/7 mandates universal data sharing with designated consumer credit agencies, requiring massive concurrent API ingestion architectures.
February 26, 2026
ALERT
UK DUAA Data Export Rules Live
Deprecates Schrems II equivalence. Mandates a 'not materially lower' test for cross-border data routing and API telemetry streams.
February 5, 2026
LIVE
Digital Omnibus Delays AI Act High-Risk Rules
Co-legislators agreed to push Annex III high-risk obligations to 2 December 2027 and watermarking obligations to 2 December 2026. Fintechs gain runway but compliance scope expands.
May 7, 2026
ALERT
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Q2 AVAILABILITY: OPEN
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Sovereign infrastructure for the Series B climb. Secure your valuation with code you actually own.
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SYSTEM STATUS
DORA compliance layer OPERATIONAL
Frontend deployment pipeline OPERATIONAL
CRM / RevOps sync OPERATIONAL
IP transfer protocol STANDBY
ENGAGEMENT METRICS
14 days
AVG. TIME TO HANDOVER
100%
IP RETAINED BY CLIENT
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System Status
Unlock Digital Systems Ltd t/a Unlock Agency. Registered in England & Wales.
Unlock Agency provides non-custodial technical infrastructure for financial institutions.
We are not a bank and do not hold client funds. All architectures are deployed to client-owned environments in compliance with DORA (EU) 2022/2554 standards.
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