Case Study: CLOWD9

Client Overview

CLOWD9 is a London-based fintech company founded in 2021. The company develops one of the world’s first cloud-native, decentralised issuer processing platforms designed to support real-time payments across global networks.

Built entirely on cloud infrastructure, the platform enables banks, neobanks, and fintech companies to process digital payments across multiple networks, including:

• Visa
• Mastercard

CLOWD9 is also among the first payment infrastructure companies to achieve B-Corp certification, reflecting its commitment to sustainable financial innovation.

Business Challenge

Modern financial institutions require highly scalable payment infrastructure capable of handling:

• Large transaction volumes
• Real-time payment processing
• Secure tokenization and card lifecycle management
• Integration with global card networks

CLOWD9 needed additional engineering capacity to accelerate development of its tokenization services and cloud infrastructure, while maintaining strict security standards required in the financial sector.

NSC Solution

NSC provided a 5 engineer staff augmentation team to support the development of the platform’s core processing modules and cloud infrastructure.

Payment Tokenization Platform

NSC engineers developed tokenization services supporting global card networks.

Key capabilities include:

• Token lifecycle management (creation, activation, suspension, cancellation)
• Token inquiry and card status verification
• Secure encryption and decryption of payment data
• Processing card lifecycle updates (PAN replacement and card updates)

Global Payment Network Integration

The platform integrates with digital services provided by major card networks.

Integration work included:

• Mastercard Digital Enablement Service (MDES)
• Visa Token Service (VTS)
• Request/response data processing
• API development for card lifecycle management

Cloud Infrastructure Engineering

NSC engineers helped build and manage the system’s cloud-native architecture using container orchestration and microservices.

This included:

• EKS cluster management
• Infrastructure automation
• Secure secrets management

Service mesh configuration

Technology Stack

Backend & Services

• Golang
• gRPC

Cloud Infrastructure

• AWS EKS
• Karpenter
• Istio
• Vault

Payment Network Integration

• Visa APIs
• Mastercard libraries
  

Business Impact

Through this collaboration, the CLOWD9 platform gained:

• Scalable cloud-native payment processing architecture
• Secure tokenization services for Visa and Mastercard networks
• Improved infrastructure reliability through Kubernetes-based deployment
• Faster development cycles for new financial services features

The system now supports real-time digital payments for banks and fintech companies globally.