Kindgeek CTO Michael Kramarenko explores EMVCo's new Agentic Payments framework draft and architectural challenges of separating authorization from execution.

Kindgeek is an AI-native fintech product engineering company. We help licensed fintechs, payment companies, neobanks, and global enterprises build, launch, and scale regulated financial products. For 11+ years, we've delivered production-ready fintech systems with compliance built into the architecture from day one. Our work supports 100+ regulated projects and platforms that have processed €10B+. What we deliver: 1. Fintech software development across mobile, web, back-end, cloud engineering, QA automation, and product design 2. White-label fintech solutions, including neobanks, e-wallets, PFM, core banking, payments, acquiring, crypto, and lending 3. Dedicated fintech teams embedded into your roadmaps and delivery cycles 4. AI transformation, from internal AI workflows to product-embedded AI capabilities 5. Advisory and consulting, including discovery, architecture review, compliance assessment, software audit, and technical due diligence Why companies choose Kindgeek: Fintech-focused engineering teams with real delivery experience in regulated environments Compliance-aware product development across PCI DSS, GDPR, and resilience-focused architecture AI integrated into design, engineering, testing, and delivery workflows ISO 27001:2023 · ISO 9001:2015 · PCI DSS · GDPR · PSD3-ready Kindgeek combines fintech domain depth, product engineering, and AI-enabled delivery to help fintech teams ship faster without compromising security, compliance, or scale. You can find more information on our website http://kindgeek.com or email us at info@kindgeek.com

Founded 2013