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AI systems Blockchain Banking apps
We build banking software

Software a real teller can run.

Waves builds banking applications — core ledgers, wallet apps, KYC, teller screens, and treasury tools — for operators who have outgrown spreadsheets.

Start a build brief AI systems
  • Ledgerdouble-entry or nothing
  • Rolesteller ≠ treasurer
  • Cash + cryptoone client, two rails
  • Closestill balances at 6pm
How we design

Identify. Price. Collect. Release.

Screens come second. If the loop is wrong, the app is a costume.

Core banking / ledger

Accounts, journals, multi-currency. Crypto positions live in the same book.

Customer apps

Balances, transfers, ticket history — in the language your client already speaks.

Teller & ops OS

The glass behind the glass. Dual control on anything that leaves the vault.

KYC & limits

Onboarding, tiers, and automatic brakes when a ticket outruns a profile.

Treasury console

Cash on hand, crypto on rail, commitments — before you promise a seven-figure day.

How a banking build runs

The loop first. Screens second.

  1. 1

    Sit the room

    We watch a real morning: identify, quote, collect, release. Spreadsheets come with us.

  2. 2

    Draw the book

    Accounts, roles, limits. If it is not double-entry, we do not call it a bank.

  3. 3

    Ship a slice

    One teller flow that balances at close. Then wallets, KYC, treasury — in that order.

  4. 4

    Harden

    Dual control, receipts, an export an auditor can open. Beauty is optional. Trace is not.

What the book looks like

A morning that still balances at close.

Screens second. The loop first. Crypto lives in the same book as cash.

  1. 01

    A double-entry ledger

    Accounts, journals, multi-currency. Crypto positions sit in the same book as cash.

  2. 02

    A role map

    Teller, manager, treasurer. Dual control on anything that leaves the vault. No shared admin password.

  3. 03

    One teller slice that closes

    Identify, price, collect, release — a flow that still balances at 6pm before we add wallets.

  4. 04

    An auditor export

    Statements a person can open. Not a folder of screenshots.

Bring the book you are ashamed of.

We will sketch the ledger and the first release that can run a real morning.

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