The Engineering Team Behind the Lending Building Platform
We are a mono-product engineering company. Our only product - timveroOS - is a Building Platform that lets banks, fintechs, and credit unions assemble their own lending infrastructure: composable, code-configurable, and fully under their control.
Our founders bring over 30 years of combined banking experience. Our engineers have shipped production systems for Amex, Capital One, PayPal, and Tesla. That combination - deep domain expertise and engineering rigour - is how we built a platform that goes where other cannot.
Why We Built timveroOS as a Building Platform
We spent years watching capable engineering teams get trapped inside vendor roadmaps. They built great lending products — then spent months filing tickets to change a single rule. We believe that if you are sophisticated enough to build a lending business, you are sophisticated enough to own your infrastructure.
Lenders should own
their stack
We come from banking. We know what regulators ask for, what auditors need, and what happens when your loan data sits in someone else's cloud. Data residency is not a feature request - it is a non-negotiable. That is why we built timveroOS to run in your environment, from day one.
Data residency
is non-negotiable
Implementation timelines of 6–12 months were the industry norm and everyone accepted it. We did not. We built timveroAI because we believed that most of the configuration work in a lending implementation is repetitive enough to automate. 3–6 weeks is not a marketing claim. It is an engineering decision.
Fast implementation is an engineering choice
$5.5bn+
in loan portfolios managed
7000+
loan applications processed daily
13+
Countries
100k+
implementation hours saved per year
Recognised by Users
on Leading Review Platforms
The People Building timveroOS
A focused engineering team with production trackrecords at Amex, Capital One, PayPal, and Tesla, purpose-built for lending infrastructure
Leadership with 30+ Years in Banking Technology
Dmitriy Wolkenstein, CEO
Dmitriy brings 10+ years of experience leading financial technology businesses across Eastern Europe and emerging markets. He founded TIMVERO on the conviction that lending infrastructure should be owned by lenders, not rented from vendors.
What Our Clients Say
Finom is a licensed European EMI offering an all-in-one financial platform for SMEs and freelancers across the EU, serving 200,000+ customers with tools for payments, invoicing, and expense management.
What impressed me most was their ability to work at our pace, absorbing requirements on the fly and adapting as our needs evolved. timveroOS delivered a competitive advantage under impossible deadlines.
Cartiga is a US-based alternative asset investor with 25+ years of expertise deploying $1.6B+ in legal sector capital, providing law firms with limited-recourse financing tied to successful case outcomes.
timveroOS has become the core engine behind our law firm lending business. Its framework allowed us to build sophisticated workflows, pricing, and collateral logic per our bespoke structures - something no SaaS or traditional LMS could offer.
AMIO is a Yerevan-based digital bank offering multi-currency accounts, Visa/Mastercard products, and fast-track SME loans across Armenia.
We had failed three implementation attempts with two different vendors before TIMVERO. Six months later we had a fully automated, production-ready lending product live - 95% automation, 8x faster time-to-yes, 60% lower cost-per-loan.
timveroAI
timveroAI: How We Accelerate Implementation
We built timveroAI because we refused to accept that 'go live in six months' was the only option. We believe AI should work like an extra team member - one that handles the repetitive, pattern-driven work so your engineers stay focused on what actually differentiates your business.
Configuration should speak human
Compliance belongs at day zero
Reinventing integrations is waste
AI without oversight is a liability
Built for Banks, Fintechs,
and Credit Unions That Need Control
Traditional and Digital Banks
We saw banks with world-class risk teams stuck waiting months for vendors to implement a single policy change. The expertise was there. The infrastructure was the bottleneck.
So we built timveroOS to run inside your environment - with policies-as-code and immutable audit logging that your team controls directly, without a ticket queue.
Fintechs and
Neobanks
We watched fast-moving fintechs hit a wall every time they added a product or entered a new market. Not because their team wasn't capable - because their infrastructure wasn't composable.
So we built timveroOS to be modular by design. Installment, BNPL, auto lending, factoring - added as modules on the same platform, same codebase, without rebuilding from scratch.
Credit
Unions
We saw credit unions forced to compromise their member products to fit a vendor's rigid schema or pay for expensive customisation that took a year to deliver.
So we gave engineering teams direct code-level access to loan products, workflows, and decision rules. No vendor bottleneck between your vision and your members.
Company News
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See timveroOS in action. Our team will walk youthrough the Building Platform architecture, show you a live lending productconfiguration, and answer your technical questions.
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Average onboarding: 3–6 weeks with timveroAI