Fintech built to earn its keep.
In fintech, churn is money that moved somewhere else. In Reliqio, we build products money doesn’t leave, combining AI, human-centered design, and behavioral science to make staying the easy choice.
Your technical co-founder in fintech.
Every product on this page started as a founder's ambition. Our priority was to put a number on it, then beat it.
SDR
For-Profit Health insurance. In 2019, regulators gave this medical cost-sharing platform six months to migrate every dollar — or shut down. We built bank-grade architecture for 20,000 members, then redesigned the whole member experience. Retention rose from 68% to 90%. Average membership grew from 3.2 to 4.1 years.
Feenko
Subscription control. People quietly bleed $500–1,000 a month to subscriptions they forgot — scattered across bank statements and inboxes, with no single place to see them. Feenko connects to both, finds every recurring charge, and helps cancel the unwanted ones. Built and shipped by a team of 1.5 in two months. Now $1M MRR.
FMD
Claims and cashflow. Founders brought more than a century of combined healthcare expertise. A year with a previous partner brought them no working product. We took over and shipped: first a scrubber that catches claim errors before submission, automating 3,000 fixes, then Pay Forward, instant micro-loans against claims already in the pipeline. LTV +42% over the legacy tools, and 85-90% of provider groups stay with the product years after.
SNP
Construction lending. Subcontractors in spec homebuilding wait one to two months for their money, and the industry treats that as normal. We inherited the project with the previous dev team 30 days from the door. We retired their legacy system and rebuilt draw management on real-time ACH, so vendors get paid the day their work clears. Page loads that took 10 seconds now take one.
Fintech projects.
Explore the projects below to see us in action and understand how can we grow yours.
- Scaleside. Try Before You Buy checkout for e-commerce merchants.
- SDR. Real-time P2P medical cost management platform.
- SDR. Real-time P2P medical cost management platform.
- GT. B2B fuel marketplace with multi-round price negotiation.
- ANC. Procurement platform for a 500+ studio franchise network.
- Feenko. Subscription finder that scans bank accounts and inboxes. From $0 to $1M MRR in 6 mos.
- Feenko. Subscription finder that scans bank accounts and inboxes. From $0 to $1M MRR in 6 mos.
- SNP. Construction loan platform with real-time subcontractor payments.
- CSR. Special needs AI care maps: from 6-month waits to 1 week, 40,000+ families.
- FMD. Healthcare claims scrubber with instant Pay Forward micro-loans.
- Scaleside. Try Before You Buy checkout for e-commerce merchants.
- CSR. Special needs AI care maps: from 6-month waits to 1 week, 40,000+ families.
- GT. B2B fuel marketplace with multi-round price negotiation.
- CSR. Special needs AI care maps: from 6-month waits to 1 week, 40,000+ families.
- Scaleside. Try Before You Buy checkout for e-commerce merchants.
- ANC. Procurement platform for a 500+ studio franchise network.
- CSR. Special needs AI care maps: from 6-month waits to 1 week, 40,000+ families.
- Scaleside. Try Before You Buy checkout for e-commerce merchants.
- Feenko. Subscription finder that scans bank accounts and inboxes. From $0 to $1M MRR in 6 mos.
- SNP. Construction loan platform with real-time subcontractor payments.
- FMD. Healthcare claims scrubber with instant Pay Forward micro-loans.
- ANC. Procurement platform for a 500+ studio franchise network.
- GT. B2B fuel marketplace with multi-round price negotiation.
- SDR. Real-time P2P medical cost management platform.
- SDR. Real-time P2P medical cost management platform.
Six ways we shape fintech.
Payments, lending, personal finance, recurring revenue, embedded finance — six domains where money actually moves, and where every product we've shipped is judged on retention, LTV, and trust.
Payments and money movement.
In most industries, money moves slower than the work it pays for. We build the rails that close the gap — from checkout to payout.
Lending and credit.
Credit decisions are only as good as the data behind them. We build lending products where the scoring, the payout, and the recovery run as one system.
Personal finance and money management.
People can’t manage money they can’t see. We build consumer products that find it, show it, and put it back under control.
Billing and recurring revenue.
Recurring revenue is retention with an invoice attached. We build the billing layer where members stay.
Embedded finance.
The best fintech doesn’t look like a bank. We build financial features inside other products — where the money moment already lives.
B2B financial operations.
Money between businesses moves through approvals and reconciliation — and it leaks at every step. We build the operational layer that keeps it visible and under control.
Impact.
Behind every metric here is a person who found care faster, or stayed with treatment long enough for it to work. That's the number we're building for.
a $16K, six-week build produced it. CAC ~$13 against ~$60 LTV
A regulatory ultimatum forced a full rebuild of a medical cost-sharing platform serving 20,000 members. We turned it into growth: $11.2M in new revenue, retention up from 68% to 90%.
Medical providers wait up to three months to get paid for insurance claims. We built a lending layer that pays up to 60% of the claim’s value at submission.
Budget guardrails and automated approvals across a 500-location franchise network. Rogue spending ended — $8.7M saved annually.
Awards and industry recognition.
Independent recognition for our fintech product work.
Best payments innovation.
Best consumer fintech.
Finance apps.
Technologies and integrations.
Nobody gives a second chance to software that touches their money. So compliance starts at the first commit — PCI DSS, KYC, encrypted everything — so by the time the audit comes, there’s nothing to fix.
