Valon

How Valon Built a FinTech Platform That Scaled Like an Enterprise Without Startup Growing Pains

Valon
Valon
Valon

About

Valon is a next-generation FinTech platform built to handle millions in regulated financial transactions with zero tolerance for failure. From loan servicing to payment processing and regulatory reporting, Valon needed a system that was fast to launch yet strong enough to survive enterprise-level scrutiny.

Key Results

99.9%

Uptime from day one, with zero compliance violations

99.9%

Uptime from day one, with zero compliance violations

99.9%

Uptime from day one, with zero compliance violations

300%

faster feature development compared to typical MVP builds.

300%

faster feature development compared to typical MVP builds.

300%

faster feature development compared to typical MVP builds.

50+

Uptime from day one, with zero compliance violations

50+

Uptime from day one, with zero compliance violations

50+

Uptime from day one, with zero compliance violations

$100K+

In potential compliance penalties and platform rebuilds avoided

$100K+

In potential compliance penalties and platform rebuilds avoided

$100K+

In potential compliance penalties and platform rebuilds avoided

The Opportunity

Like most FinTech founders, Valon faced the toughest paradox: move fast enough to capture market share, but build strong enough to survive regulation and high transaction volumes.

Most startups in financial services try to solve this by:

MVP

Monolithic MVPs

were shipped quickly to validate ideas fast

MVP

Monolithic MVPs

were shipped quickly to validate ideas fast

MVP

Monolithic MVPs

were shipped quickly to validate ideas fast

Third-party integrations

became the backbone for early functionality

Third-party integrations

became the backbone for early functionality

Third-party integrations

became the backbone for early functionality

Testing and safety nets

were intentionally skipped to speed up delivery

Testing and safety nets

were intentionally skipped to speed up delivery

Testing and safety nets

were intentionally skipped to speed up delivery

The result? Compliance headaches, scaling bottlenecks, and expensive rebuilds within 12–18 months. Valon wanted to skip those traps.

The Impact

Challenge

With Typical MVPs

With Better Software

Technical debt & bottlenecks

Monoliths collapse as teams grow past 10 engineers

Modular domains enabled 5–10 teams working in parallel

Compliance risk

High penalties for outages or data breaches

Zero compliance violations during rapid growth

Scalability ceiling

Databases fail at 10K+ daily transactions

Architecture scaled seamlessly to enterprise volumes

Slowed feature delivery

Feature conflicts & long QA cycles

15–20 features/month delivered reliably

The Solution

Better Software partnered with Valon to design foundations that combined startup speed with enterprise-grade resilience.

Our Approach

Modular architecture: 290+ domain-specific modules allowed independent development and deployment, avoiding monolithic slowdowns. Type safety everywhere: Full TypeScript + Python typing eliminated entire classes of production bugs. Testing-first culture: 7,500+ automated tests with compliance validation provided a built-in audit trail. Custom frameworks: Internal tooling for code generation, migrations, and deployments multiplied developer productivity as the team scaled.

Lessons for Other Founders

  • Strong foundations are not a luxury in regulated industries, they’re survival insurance.

  • Focus on modularity, testing, and type safety early; they pay back in 6–12 months.

  • The more complex your domain, the higher the ROI from investing in proper architecture.

Better Software helped Valon prove that in FinTech, startups don’t need to choose between speed and stability, you can have both from day one.

“By investing in strong engineering foundations, we captured our market opportunity twice as fast while maintaining enterprise-grade reliability. We avoided the technical debt crisis that kills most FinTech startups.”

Tommy Kranwinkle
Jonathan Hsu
Co-Founder, Valon

Other Case Studies

Your next breakthrough starts with the right technical foundation.

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Your next breakthrough starts with the right technical foundation.

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Your next breakthrough starts with the right technical foundation.

Better.