Developer Tools
18 technical briefings from 17 companies building developer tools infrastructure.
Stride.ai co-founder Virajendra Daita walks through the company's unified AI platform for financial institutions — Doc AI for multi-language document processing, Web AI for no-code scraping of regulator and market sources, and an NLU layer for entity extraction and semantic search. The briefing covers an enterprise KYC orchestration that cuts corporate onboarding from ~29 days to ~1 day (saving €2M+/year), an 80,000-docs-per-day remittance processor, and live demos of KYC screening via Refinitiv and structured + unstructured document extraction.
Shamir Kharkel
Shamir Karkal, co-founder of Sila and previously Simple and BBVA\'s API platforms, demos the Sila money API — a developer-first platform built around three primitives (users, wallets, transactions) that lets any builder onboard users, run KYC, link bank accounts, and move ACH. The demo app at demo.silamoney.com onboards both individuals and businesses via unique alphanumeric handles; KYC runs asynchronously through Socure/LexisNexis (3–15 seconds typical) with document-upload fallback for IDs or formation docs. Every user gets one wallet by default but can own many (one-to-many), enabling segregated-account patterns. Sila supports three ways to link bank accounts: raw routing+account entry, your own Plaid integration via processor tokens, or Sila\'s managed Plaid instance (Plaid sandbox user_good/pass_good). Same-day ACH pulls $1,234 into the wallet in roughly five minutes in sandbox — deliberately slow so developers don\'t build code expecting real-time settlement. Wallet-to-wallet transfers settle on Sila\'s ledger in seconds; external redeems push ACH out to any linked bank account.
Amelia Niemi, co-founder and CTO of Ntropy, walks through the Ntropy transaction enrichment and categorization API. Raw bank transactions go in, structured data comes out — category, merchant identity, logo, location, website, recurrence pattern, active and cancelled subscriptions, and detected income sources. A live Python quickstart shows four lines of code enriching a 1,500-row CSV (roughly 12–18 months of transaction history); the Ntropy app then surfaces the same data in a PFM-style UI. Amelia walks through Ntropy's benchmarks against GPT-4 — about 2,000× cheaper per transaction, 150× faster, and 15× more accurate on the hardest cases — before ML engineer Robin demos "Ntropy Cookie," a Discord chatbot that lets end users ask natural-language questions about their own spending: essentials vs non-essentials, savings opportunities, bank fees.
Alvaro Morales
Alvaro, co-founder and CEO of Orb, demos Orb — billing and invoicing built for the hybrid usage-based pricing models common in fintech, cloud infrastructure, and developer platforms. Orb\'s primitive is the event: API calls, sessions, or any product action, ingested via direct API push or warehouse sync from Snowflake/Redshift/S3 with a name and a payload of tags and values. From events, operators define metrics — simple filters and aggregations (count of API calls at a balance endpoint) or full custom SQL for more sophisticated MAU or dimensional cases. Plans compose any number of fixed fees (e.g. a $100k annual platform-access fee) and usage-based fees (flat rate per call, tiered volume discounts, dimensional pricing tagged into event properties), with out-of-the-box support for minimums, discounts, trials, and "phases" that stage fee schedules over a customer\'s onboarding ramp. The payoff: billing becomes a real-time process instead of a month-end batch — live next-invoice previews, transparent customer invoices tied to underlying usage, webhook alerts on cost/usage thresholds (upsell banners, CSM alerts, Zapier/Slack), and a Salesforce integration that syncs usage into opportunity pages for sales reps experimenting with consumption-based pricing.
Clarisse Hagege & Josh Siegel
Clarisse (co-founder, CEO) and Josh (product) of Dfns introduce Dfns — a developer-first wallet-as-a-service platform that separates the security of the private key from the governance of the assets. Dfns operates a decentralized MPC signer network in secure enclaves so private keys never materialize in memory or on disk — no single point of failure like seed-phrase or multi-sig-HSM setups. The API is chain-agnostic (25 blockchains, 9,000 tokens, new chains in ~3 weeks, new tokens in ~half a day) and built to scale to millions of segregated wallets per customer. A customer demo with Nilos (treasury management) shows how a user signs in and gets a fully functioning EVM wallet in seconds via createAssetAccount (distributed key generation) and initiatePayment, with every transaction subject to Dfns's programmable, API-first policy engine — including 2-of-3-style approvals defined in code rather than in a vendor UI. Pricing is unusual for the custody space: Dfns charges per wallet, per authorized signer, and per policy-engine access — never on AUM or AUC.
Clay Allsopp
Plaid introduces Wallet Onboard — a Plaid product for crypto developers that brings the familiar Plaid "connect" experience to self-custody crypto wallets. Where Plaid has always linked bank accounts to fintechs, Wallet Onboard normalizes the fragmentation across hundreds of crypto wallets, multiple connection protocols, and the UX differences between MetaMask, Coinbase Wallet, Rainbow, Ledger, and WalletConnect-compatible wallets. The demo shows auto-detection of installed extensions, per-wallet optimized flows (QR for mobile-only wallets, desktop app handoff for hardware), direct wallet-to-app data flow with no Plaid intermediary on wallet addresses, and a drop-in vanilla JavaScript SDK that takes roughly an hour to integrate — plus auto-updates for new wallets and protocols delivered via cdn.plaid.com. Use cases span token gating, NFT mint, holdings tracking, payouts, and message-signature-based authentication.
Omri Mor
Routable is a B2B payments platform — a successor to the painful experience of building B2B payment infrastructure in-house at marketplaces, where a thousand to a million payouts per month have to move alongside tax-document management, ERP logging, and appease finance, ops, and engineering simultaneously. This briefing demos an international payout to a Canadian delivery driver with Routable co-querying NetSuite in the same flow, attaches files and FX conversion to the transaction, exposes Routable's approval rules, and walks through the magic-link payee experience (branded in the payer's name, no signup required). Closing demos cover bank-error recovery, retroactive payment-method updates on pending payables, the Object Field Mapping UI developers use to align with NetSuite/QuickBooks object IDs, and RTP-enabled domestic payouts.
Koji Murase
Koji, PM at Modern Treasury, walks through Modern Treasury Ledgers — a managed double-entry ledger API for fintechs like Revolut and Marqeta, marketplaces like ClassPass and Outdoorsy, and anyone building money-movement apps. The demo builds out "BillFold," a sample digital wallet, and walks through the patterns Modern Treasury has seen in production: custom ISO currencies (including USDC with a six-digit exponent for stablecoin-native apps), pending-vs-posted states for in-flight payments, immutable pending transactions with full audit trails, combined payment-plus-ledger API calls, and optimistic locking for just-in-time card funding flows alongside card issuers like Lithic and Marqeta. The closing pattern — purely in-ledger transactions between user accounts — makes user-to-user transfers essentially instant without ever touching an external rail.
Marvin Janssen & Friedger Müffke
Marvin Janssen, technical lead at the Stacks Foundation, gives a hands-on tour of Stacks — a Bitcoin L2 blockchain that anchors every block to the Bitcoin chain via proof-of-transfer, inheriting Bitcoin's security while adding smart-contract capability. The briefing centers on writing a SIP-009 NFT in Clarity, Stacks' non-Turing-complete Lisp-based smart-contract language. Marvin uses Clarinet — the Stacks analogue of Truffle plus Ganache — to scaffold the project, opens the Clarinet console for a REPL tour of Clarity (strongly typed, with distinct signed vs unsigned integer literals), then implements the SIP-009 NFT trait (Stacks' ERC-721 equivalent) using NFT primitives baked into the language (nft-mint, nft-burn, nft-transfer) — the correct balance-sheet semantics come for free. The ownership model is user-defined: Marvin asserts that sender equals tx-sender (Clarity's msg.sender) before transferring. A closing clarinet-console session mints two NFTs, checks owners, and transfers one between principals in the local Clarity VM.
Clément Salaün
Clément of Numary demos Numary\'s open-source ledger and Numscript — a DSL purpose-built to model the hidden money-flow complexity of marketplaces and platforms (where customer payments, commission splits, and seller payouts quickly become an operational mess). The demo clones a DoorDash-style marketplace in Numscript: a "world" account injects funds, a coupon account funds a $15k FALL21 marketing campaign with a $10-per-redemption metadata value, an order\'s payment account pulls first from the user\'s wallet and falls back to world, and a single atomic Numscript splits the order payment four ways — 85% to the restaurant, a delivery amount to the rider, platform fees, and VAT-applicable taxes. Each step produces a transaction with clean source/destination postings in the Numary ledger, which the fintech later reconciles against Stripe, Wise, or their payment provider of record. The closing rider payout demonstrates the reconciliation handoff between Numary\'s internal ledger and the external payment system — the Numscript repo is open-sourced on GitHub at github.com/numary.
Brian Billingsley & James Armstead
Brian, co-founder of Basis Theory, walks through the Basis Theory platform — a developer-first tokenization and encryption service for any sensitive value on the internet. The demo covers tenants (test/prod, sub-customer, or geo-split workspaces), Elements (drop-in UI that keeps you out of PCI scope for cards, bank accounts, SSNs, and driver's licenses), and server-to-server apps gated by PCI Level 1 attestation. Basis Theory tokenizes any serializable value — strings, documents, PII, cards, bank accounts — and returns a consistent token shape with type, fingerprint, and non-sensitive metadata so developers can dedupe without decryption. Customers can roll their own keypair (bring-your-own-key) so Basis Theory only sees ciphertext. The reactor system ships pre-built serverless templates (Stripe, Braintree, BIN analysis via Perapt) and private reactors for custom integrations, allowing partners to tokenize a card once and route to multiple processors without ever touching the raw PAN.
Gil Akos & Sam Morgan
Gil Akos, co-founder and CEO of Astra, demos the Astra automation platform for money movement. Astra\'s thesis: ACH and AFP are fragile and archaic, but below the surface lies an iceberg of origination risk, returns, and entitlements that blocks fintechs from shipping money movement quickly. Astra wraps this complexity in a four-step integration: create a UserIntent, walk the user through a single OAuth 2.0 authorization screen (terms, SMS code, optional account linking, redirect), link bank accounts (managed Plaid, bring-your-own processor tokens, or manual account+routing), and create Routines — rule-driven automations like "when destination balance drops below $100, move $500 in." Routines run in the background, firing transfers automatically. The closing architecture segment contrasts origination (fintech → sponsor bank → one-way ACH debit) with Astra\'s orchestration model (fintech → Astra → debit source + credit sponsor bank) for higher settlement fidelity and faster speed, with the goal of enabling fintechs to eliminate origination risk and capture more recurring inbound deposits (typically ~$1,200 per user per month).
Kyle Tut & Justin Hunter
Pinata manages off-chain data for blockchain applications — the infrastructure most NFT marketplaces (OpenSea, Rarible, and many others) quietly rely on. Kyle Tut, co-founder and CEO of Pinata, explains why on-chain storage is economically impractical (roughly $4M per GB on Ethereum) and how IPFS content identifiers (CIDs) give NFT creators tamper-proof references to their underlying files — you cannot silently swap out a CID the way you can a traditional Dropbox link. The demo covers Pinata's Dropbox-style upload UI, IPFS infrastructure run by Pinata to keep retrieval fast, dedicated per-customer gateways that serve IPFS content from your own domain (mypinata.cloud or your TLD) while preserving CID-level integrity, and Pinata's audit-trail approach for legitimately-updatable NFTs in gaming and interactive-art use cases.
Greg Scullard & Lina Tran
Hedera Hashgraph walks through the Hedera public distributed ledger — a leaderless consensus network with thousands of TPS, 3–5 second latency at full finality, native multi-signature, and fees pegged to the US dollar for predictable business economics. The briefing demos the Hedera Token Service (HTS), which issues fungible and non-fungible tokens as native network operations (not smart contracts), with configurable keys for admin / supply / KYC / wipe / freeze so issuers can layer in compliance features selectively. The live demo creates a VSAN6 fungible token (two decimals, variable supply, KYC-gated), walks through token association (recipients must opt in — protecting users from unsolicited airdrops and the tax liability they can trigger in some jurisdictions), grants KYC to Alice and Bob, transfers 20,000 tokens to Alice, and closes with an atomic swap across three assets (VSAN6, demo-token-one, and HBAR) in a single Hedera transaction.
Skyler Nesheim & Ben Schmitt
Ben and Skyler Nesheim of Dwolla demo "programming the Fed and The Clearing House" — Dwolla\'s flexible ACH, same-day ACH, push-to-debit, and real-time payments (RTP) API that businesses use to program collections, disbursements, and stored-value flows. The demo opens on launch day for Dwolla RTP: already live in sandbox, newly live in production. A command-line "David Lightman" app walks through the full Dwolla payment stack — create a lightweight customer, upgrade to a verified customer with SSN and address, add a bank funding source, then fire four transfers back-to-back. Standard ACH requires only source URL, destination URL, currency, and amount. Same-day ACH adds a one-field "clearing object." Push-to-debit only changes the destination URL. RTP changes one line — the processing channel. Throughout the demo, Dwolla fires webhooks (customer completed, bank transfer completed, etc.) so applications can react in real time.
YAP is an API platform that sits between banks and businesses across Asia — think Marqeta-adjacent, but covering processing plus full retail-bank orchestration across five to seven Asian markets (roughly 300 fintechs in India today). The briefing walks through YAP's granular API catalogue (wallet / card issuing, multi-currency travel, neo-banking primitives) and a real YAP-powered product: PaisaBazaar's Step-Up credit card, an Indian credit-builder card where customers book a fixed deposit and 80% of the FD becomes the starting credit limit. The demo covers Indian identity verification (PAN, Aadhaar share-code, UIDAI OTP), UPI penny-drop account verification, instant issuance of both virtual and physical cards, and the card-control API for toggling channels, setting limits, and delivering statements as PDF or JSON for custom branding.
Wade Arnold & Graham McBain
Wade Arnold (ex-Banno, Billgo) and Graham McBain present Moov — a thousand-strong open-source community that has shipped 37 low-level libraries covering the protocols that quietly move money through the US financial system: ACH, wires, image cash letter, Metro 2, IRS FIRE, ISO 20022, and ISO 8583. Wade walks through why none of this was open source before, how the libraries have been battle-tested against the full transaction volumes of Bank of America, PayPal, Square, and Visa, and why the community model beats every fintech writing its own parser from scratch (e.g., Square unifying seven different ACH implementations onto Moov). Graham then demos the Moov ACH library as a Docker image — curl a JSON payload in, get a NACHA-compliant ACH file back — and a WebAssembly-powered in-browser ACH parser that converts ACH to JSON without any data leaving your machine.
Matt Marcus
Matt Marcus, co-founder of Modern Treasury, walks through the Modern Treasury payment operations platform and demos real-time payments (RTP) over The Clearing House's rails. Modern Treasury is a third-party service provider that deliberately stays out of the flow of funds — one API and dashboard connecting into roughly a dozen corporate banks from JPMorgan Chase and Wells Fargo down to niche partners, across ACH, wires, EFT in Canada, Bacs in the UK, and proprietary formats like Silvergate's SEN. The demo races a $1 RTP payment to Matt's Chase and Bank of America accounts via the Payment Orders API, walks through the Postman call (amounts in cents, JPMorgan Chase as the originating bank, credit-only, $100k cap, no returns, synchronous success or failure), and closes with the Modern Treasury "dollar demo," where every viewer can pay themselves a real $1 over RTP if their bank supports receiving it.