Independent software studio

Built with purpose.
Engineered to last.

Senior engineering for fintech, payment infrastructure, and ambitious digital products. From the first architecture decision to life in production.

Start a technical consultation Explore our work

Trusted by teams across industries

Complex challenges.
Considered solutions.

Four disciplines. One engineering partner who sees the whole picture.

Fintech & payments

Architecting payment lifecycles, virtual accounts, and reconciliation that adds up.

Payment infrastructureReconciliationIntegrations

Backend & APIs

Resilient, event-driven architecture for the systems your business runs on.

MicroservicesHigh-throughput APIsSystem architecture

Platforms & automation

Purpose-built tools that turn complex operations into clear, connected workflows.

Internal platformsWorkflow automationLive reporting

AI & data engineering

Useful intelligence, connected to your data and ready for the real world.

LLMs & RAGRecommendationsData pipelines

Selected work

Real problems. Working solutions.

A closer look at the systems we build and the difference they make.

reconciliation.engineDEMO

LEDGER / 034

Everything adds up.

Balanced

Reference	Provider	Ledger	Status
TX-034	240.000	240.000	Matching amounts
TX-035	180.000	180.000	Matching amounts
TX-036	320.000	320.000	Matching amounts

❯ reconcile --batch 034

01import provider.csv → 3 records

02match reference + amount

033 matched · 0 differences

01Import records
02Match entries
03Close the ledger

PAYMENTS & FINANCIAL INFRASTRUCTURE

Every transaction. Accounted for.

The challenge

A lending platform's ledger drifted out of sync across providers, eroding trust in the numbers.

Our approach

An event-driven reconciliation pipeline, with idempotent settlement and a complete audit trail.

Hours to minutes

Reconciliation time, with every dispute traceable to the cent.

Event-driven architectureFinancial data

Engagements summarized to respect client confidentiality. Built on years of experience in Southeast Asian fintech and payments.

Why D34 Labs

Small team.
Deep expertise.

Direct access to senior engineers

The people you talk to are the people building your software. Clear decisions, without the handoffs.

Product-minded from day one

A straight answer on technical feasibility, business value, and what is actually worth building.

Ready for life in production

Observability, maintainability, and operational reliability are part of the work from the start.

hublyA D34 Labs product

Every conversation.
One shared inbox.

A shared inbox for Indonesian small businesses. Bring WhatsApp, Shopee, TikTok Shop, Lazada, and Tokopedia conversations together, with AI and order context right beside every chat.

AI-assisted replies with Magic Draft

Order context beside every chat

Team collaboration and assignments

Explore Hublyhubly.co.id

Hubly’s actual landing page, with its green branding and shared inbox product preview

From the Hubly website

Good work starts
with a clear process.

No black boxes. Just a shared plan, visible progress, and software you own.

Discovery

Week 0

Get clear on the problem, constraints, and what success looks like.

Scope

1-2 weeks

A written plan for what gets built, in what order, and at what cost.

Build

Short cycles

Working software, shared every week. Your feedback shapes the next release.

Handover

Launch + support

Deployed, documented, and yours. We stay reachable after launch.

Our approach

A boutique studio.
On purpose.

Bandung, IndonesiaWorking globally

We believe senior engineering judgment belongs at every stage of a product. So we keep our team focused, our communication direct, and our standards high.

Our specialty is “Day 2” software: systems built to be maintained, observed, and evolved long after launch. Deep roots in Southeast Asian fintech shape the care we bring to every engagement.

D34 LabsYour technical partner.

Tools we reach for