How Fianzza turned a Lovable-generated prototype into a live escrow platform with a 1.75% net margin
A full stack rebuild in 8 weeks that left Fianzza profitable on every transaction it processes.
The prototype worked until real money was involved
Fianzza had a real idea and a market. An escrow platform that protects both sides of any online transaction, whether that is a freelance project, a domain transfer, or a vehicle purchase. Jorge had used Lovable to get the product off the ground fast, and on the surface, it held up well enough to believe in.
The problem only became clear when real logic was applied. Payment states were unpredictable. Webhook handling was unreliable. Edge cases that any live platform would eventually hit had simply not been accounted for. These are the kinds of problems that don't show up in a demo but will absolutely surface the first time a buyer deposits real money.
Jorge needed someone to honestly review the codebase and rebuild it into something that could actually go live.
The full-stack rebuild that made real transactions possible
The first step was not writing new code. It was mapping exactly what existed, what was structurally unsound, and what needed to be rebuilt before anything new could be added safely. From there, Agent Loopr worked across the full stack in a deliberate order.
Payment infrastructure rebuilt from the ground up
The complete Stripe integration was rebuilt. This covered payment intent creation, webhook handling, dispute resolution, chargeback logic, and payout timing. Seven payment methods were integrated, including SEPA, iDEAL, Bancontact, and EPS, so the platform could serve buyers and sellers across multiple countries without gaps. The transaction ledger and balance system were rebuilt alongside, giving every payout and withdrawal a clear, traceable record.
7 live
SEPA, iDEAL, Bancontact, EPS and more — across multiple countries.
Agreement lifecycle rebuilt state by state
The full agreement workflow was rebuilt from creation and acceptance through delivery confirmation, milestone approvals, and payment release. Every state transition was deliberate and testable, with nothing able to move forward without the right conditions being met.
Testable by design
Nothing advances without the right conditions being met.
Dispute workflows built so neither party could exit unilaterally
Every dispute flow was built and hardened with a defined process that applied consistently regardless of which party raised the dispute. Resolution logic, admin and broker access, chargeback states, and SEPA refund handling were all covered.
1 consistent path
Applied the same way regardless of who raises the dispute.
Notification and email system built from scratch
The full in-app notification system was built to trigger the right communication to the right person at every platform event. Approximately 80 email templates were written in English and Spanish, covering every scenario a buyer, seller, broker, or admin would encounter.
~80 bilingual
English and Spanish, across every buyer, seller, broker, and admin event.
Codebase restructured for maintainability
Logic was consolidated into shared libraries, and hardcoded values were moved to backend rules. Typed helpers were added, error handling was improved throughout, and the overall structure across hooks, components, and edge functions was cleaned up, allowing the codebase to be extended without introducing new fragility.
0 in the app
Moved to backend rules; logic consolidated into shared libraries.
What did rebuilding the payment system actually deliver for Fianzza?
8 weeks to a production-ready platform
Fianzza moved from a Lovable-generated prototype to a fully operational escrow platform in two months. Every core system was rebuilt and tested. Real users and real transactions could now move through the platform safely.
14 systems rebuilt across the full product stack
Every system that touched a transaction was addressed. The agreement lifecycle, payout ledger, notification engine, and admin tooling were all rebuilt from the ground up. Nothing was patched. Everything was replaced.
7 payment methods integrated and live
SEPA, iDEAL, Bancontact, EPS, and additional country-specific methods were all integrated. Buyers and sellers across multiple countries could now complete transactions without hitting payment method dead ends.
1.75% net margin held on every transaction
The escrow and Stripe setup was engineered to keep Fianzza profitable on every transaction it processes. Stripe fees, chargebacks, and payout logic were all accounted for so the margin holds regardless of how a transaction resolves.
A codebase built to last
Logic was consolidated, rules moved to the backend, and the structure cleaned up so the platform can be tested, extended, and maintained without accumulating new fragility.
We came in with a prototype that looked finished and learned it couldn't take a single real payment. They rebuilt the parts that actually move money — and now every transaction clears clean.
Tools and technologies
used on this project
Frontend
A fast client that transmits inputs and renders state, never the money logic.
Backend & Data
A typed service layer with deliberate, testable state transitions.
Payments
One escrow flow across seven methods, with webhooks and refunds handled.
One coherent stack — payments, agreements, and disputes, rebuilt to clear real money.
Ready to talk about
what you're building?
Book a 30-minute call and come as you are. No preparation needed on your end.
Book a Discovery Call