Criteria

In force from 04.09.2026

This index is compiled editorially by persons who have designed and shipped financial products. No firm pays for inclusion; no firm pays for position.

The four criteria are fixed and published. Evidence is drawn from the public record: portfolios, case studies, client announcements. Named, verifiable products are weighted above marketing language in every assessment. Compilers may hold professional history with firms listed; the fixed criteria and source links are the corrective.

The index is re-examined monthly. The assessment date advances only upon substantive revision.

Construction of the ten-point assessment

The figure out of ten records the assessors' overall judgment under four fixed criteria. Financial products shipped and documented outcomes take precedence; the number is an editorial assessment, not a consumer-review aggregate.

In detail

Financial products shippedNamed banking, payments or investment products in production use.

Regulatory literacyDemonstrated competence in KYC, disclosure and compliance-constrained flows.

Documented outcomesQuantified results in the public record, attributed and dated.

Suitability of modelFit of the engagement form to a bank, a scaling fintech, or a founding team.

Factual corrections, with sources, to inquiry@topfintechdesignagencies.com.