Digital
Infrastructure
for Enterprise.
1Labs is a fintech software house and consultancy. We advise on, design, and build payment, accounting, and digital-asset systems — as our own products and for clients across Europe.
Regulatory logic is built into the transaction layer — not bolted on. Every product ships audit-ready.
We build the systems that move money.
1Labs is a fintech software house and consultancy. We advise teams on payments, compliance, and architecture — and then we build: payment rails, accounting platforms, and digital-asset custody, shipped as products like Payloo, Saldomat, and Vault Protocol, or engineered for banks, fintechs, and merchants.
What we work onWe build across the whole stack.
1Labs works at every layer of fintech — from the rails that move money to the ledger that records it. Our products and client builds span the stack, not a single black box.
- Payments
- Payloo
- Accounting
- Saldomat
- Custody
- Vault Protocol
Interface
APIs, dashboards and the surfaces your team and customers actually touch.
Core Engines
Payloo, Saldomat and Vault Protocol — our products, built as composable services.
Ledger & Settlement
Accounting, reconciliation and settlement logic that keeps the books right.
Rails
BLIK, SEPA Instant, card networks and on-chain settlement.
Saldomat
Enterprise-grade accounting platform with real-time settlement, reconciliation, and compliance automation.
Accounting— ViewPayloo
High-throughput payment infrastructure with native BLIK and SEPA Instant integration.
Payments— ViewVault Protocol
Institutional-grade settlement rails for digital assets — secure custody bridging and on-chain liquidity, abstracted behind a single API.
Web3 Infra— ViewPayments & BLIK integration
We advise on the right payment stack and implement it end to end — BLIK, SEPA Instant and cards, from acquirer choice to settled, reconciled funds.
BLIK integration →Fintech strategy & architecture
Advisory on system design, build-vs-buy, and the architecture decisions that decide whether a fintech scales — from a team that ships, not just slides.
Regulatory & compliance advisory
PSD2, MiCA, AML/KYC and GDPR worked into the build from day one. We scope what applies to you and engineer it into the transaction layer.
Digital-asset & CASP consulting
Custody, settlement and MiCA-ready operations for digital-asset businesses — from licensing posture to the software that runs it.
Build on infrastructure that holds.
Tell us where your systems are and where they need to go. Our engineers respond within one business day — no sales funnel, no gatekeeping.