The AI-native software house

Enterprise software for the
projects that can't fail.
Shipped on time, every time.

Two decades in insurance, banking, healthcare, government and humanitarian aid — the industries where software that is nearly right is not right. Fixed price. A delivery date we hit.

Start a ProjectSee Our Work
DEKRA ERGO Hestia World Vision NHIS Ghana Crédit Agricole
0 years · 0+ projects · 0+ clients
01 — Since 2005

0% of tech projects fail.
We have spent 0 years in the other 30%.

Poor communication, mismanagement, budgets that run away. We took the projects where being wrong has consequences — insurance, banking, healthcare, government, humanitarian aid — and the industries where a system that fails quietly costs somebody a payment, a claim, or a delivery of food.

Then we fixed the price on them.
Fixed price120+ projects 40+ clientsUtrecht — Gdańsk — Accra
02 — The work

None of it was hard because the code was hard.

[01]

When there is no internet.

World Vision. Getting aid to the right people, accountably, where connectivity does not exist — and proving it without paper or thumbprints.

10Mpeople reached
30countries
$100M+aid distributed
[02]

A whole country's health insurance.

Ghana's National Health Insurance Authority. A World Bank-funded tender, won competitively. A country-grade system, used by the government.

20161350days to process a claim
20223days
65%quicker payout to providers
450×faster, end to end
[03]

Around the clock, in twenty countries.

DEKRA. Remote damage inspection experts could run on any device, with no app to install, across dozens of countries and languages.

20countries
220K+photos a year
35%more claims
They were hard because reality is.
03 — Then AI arrived

Most software houses bought a copilot.
We built a harness.

Everyone got the same models. What separates the results is everything around them.

A hallucination in a to-do app is a bug.
A hallucination in a fraud control is a fail-open on money.
A hallucination in a health insurance claim is someone not getting treated.

 Most software housesYameo
Where the AI sitsA copilot inside each developer’s editorA harness the whole delivery runs inside
OrchestrationOne model, one chat window14 specialised agents across 7 phases
ContextLives in the chat, lost between sessionsHeld for the life of the project; long-running agents
Coverage10–15% — the code, and only the code100% — discovery, spec, build, test, deploy, support
TestsSuggested, if somebody asks80%+ coverage and end-to-end, enforced
Quality gatesNone5 blocking gates
The humanReviews the diff, if there is timeA named senior signs every gate — or it stops
SecurityOut of scopeOWASP Top 10, audit trail, ISO 27001
If it goes wrongThe licence disclaims itFixed price and an SLA. It is ours.
The hallucination is not the failure.
The missing orchestration is.

brief · retail bank
Instant transfers settle in seconds and cannot be recalled. Our controls run overnight in batch — by the time we see the fraud, the money has moved twice. The decision has to happen inside the payment. If we are not sure, step the customer up rather than block them. And every decision has to be explainable — to the customer, and to a regulator, two years later.
specification.md4 gaps closed

What they told us · what we had to ask

decision/authorise.tsAI · pending review
checks · PR #2841
fraud-decisions · production
LIVE Decision stream eu-central-1 · 1,240 decisions / sec
99.99%decisions returned in budget
0payments stopped by an outage
5 yrsevery decision reproducible
Live decisions
How it works

Three steps from idea to live

Engineers lead. AI accelerates. Price and date are fixed before we write a line.

[01]

Discovery & Planning

Senior engineers scope the work with you, then lock a fixed price, timeline and SLA.

Deliverables
  • Technical specification
  • Architecture design
  • Fixed-price quote with SLA
  • Project roadmap
[02]

AI-Native Build

AI builds across the stack; senior engineers review every commit. You see daily progress and working demos.

Deliverables
  • Daily progress reports
  • Weekly demos
  • Continuous code review
  • Automated testing
[03]

Deploy & Handover

Production deployment, full documentation and team training. 100% of the IP transfers to you.

Deliverables
  • Production deployment
  • Complete documentation
  • Team training
  • 12-month warranty
Industries

Built for industries that can't afford mistakes

Deep experience in regulated sectors where security, compliance and reliability are non-negotiable.

Financial Services

Banking, fintech, payments. Real-time processing, fraud detection, secure transactions.

PSD2SCAISO 20022DORAPCI DSSMiFID IIAML/KYC

Healthcare

Patient management, records, telemedicine. Secure data, full audit trails.

GDPRHL7 FHIRDICOMHIPAAopenEHRIHE

Insurance

Policy, claims and risk. Automated underwriting, fraud detection, customer portals.

Solvency IIIDDGDPR

Government

Citizen portals and digital services. EU compliance, WCAG accessibility, multilingual.

WCAG 2.2 AAeIDASEN 301 549NIS2

NGO & Non-Profit

Donor management, program tracking, impact reporting. Multilingual, grant-friendly.

IATICHSGDPR
Stack

Modern stack, production-proven

17 technologies across frontend, backend, data, cloud and mobile — chosen to last.

Frontend
ReactAngularVue.jsTypeScript
Backend
JavaSpringNode.js.NET
Database
PostgreSQLMongoDBRedisMySQL
DevOps / Cloud
DockerKubernetesAWSGoogle Cloud
Mobile
AndroidSwift

17 technologies powering enterprise software

Code quality

Production-ready
from day one

Every line passes automated security scans, coverage checks and performance audits.

01

Coverage enforced

Minimum 80% on all critical paths, automated on every build.

02

Security first

OWASP Top 10, dependency audits and secrets scanning before any deploy.

03

Docs auto-generated

API references, architecture diagrams and runbooks ship with the code.

deploy-pipeline.yml✓ Passing
# yameo CI/CD — zero-downtime
stages:
  - test      # coverage ≥ 80%
  - security  # OWASP · deps · secrets
  - build
  - deploy    # blue/green
guards:
  coverage: 0.96
  vulnerabilities: 0
  rollback: auto
Security

Enterprise-grade
by default

Your data stays protected under European privacy law and industry-leading security standards, from first commit to handover.

✓ GDPR Compliant
✓ ISO 27001
✓ EU Data Hosting
✓ NDA Protected
✓ Code Audits
✓ 100% IP Ownership
20+
Enterprise Clients
7
8+ Year Partnerships
100%
Client retention rate
FAQ

Questions worth asking

If AI writes the code, who is accountable for quality?

We are. AI writes the volume; senior engineers own the judgment, and a named engineer signs every release. Nothing merges unreviewed.

Is my data safe in an AI-native workflow?

Yes. ISO 27001 certified, with audit trails on every decision. Your data is never used to train anyone's model.

How does fixed price actually work?

We scope the work first, then quote in 48 hours. The price and the date are fixed before a line is written — no hourly billing, no open-ended retainers.

What if you miss the deadline?

Then it is our problem, not a change request. That is what a fixed price and an SLA mean — the risk sits with us.

Who owns the code?

You do. 100% of the IP transfers to you at handover, with complete documentation and team training.

What support is there after launch?

A 12-month warranty, plus an SLA if you want one. Utrecht holds the contract and the accountability under Dutch law.

Can we audit it in two years?

Yes. Reproducibility from the record is a requirement we design for, not a feature added later.

05 — Why the price is still fixed

We fix the price because we can predict the work. We can predict it because we have done it 120 times, in industries where being wrong is expensive.

AI made us faster.
It didn't make us braver.
ISO 27001 certifiedMicrosoft Solutions Partner — Digital & App Innovation 4.721 reviews on Clutch50+ people
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