HyBa
A human-centered fintech layer that makes credit and cash management so intuitive the underlying complexity disappears — zero-fee accounts, dynamic reserves and a real-time BNPL split engine.
Role
Co-Founder & CTO, BIND
Years
2020
Focus
Modular banking / BNPL
Born out of the economic volatility of 2020, HyBa set out to make credit and cash management feel effortless: zero-fee accounts, dynamic reserves and a real-time Buy-Now-Pay-Later engine. A bespoke frontend and backend orchestrated modular banking integrations underneath.
The SPLIT engine
At its heart sat the SPLIT engine, routing point-of-sale purchases into three equal tranches in real time. Auto-scaling cloud infrastructure with fault tolerance built in from day one carried it, and smooth banklink integrations plus a self-service B2B onboarding portal got it to launch.
HyBa proved that leveraging existing modular banking systems — rather than rebuilding from scratch — can deliver enterprise-grade fintech without enterprise-level bloat.