Software engineering that inspires confidence

Simply Built. Sharply Engineered. Temlo, Inc. is a software engineering and technology solutions company.

  • Flexible solutions
  • System integration
  • Ongoing improvements
  • Security-minded, compliance-aware engineering
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₱1B+ processed through Temlo-engineered platformsSee how we build securely
Market-Ready Financial Infrastructure

Our Flagship Financial Platforms

Purpose-built financial infrastructure designed to support merchant operations, consumer digital wallets, and the evolving needs of financial institutions.

Market-Ready

Embedded Finance & Financial Services Enablement

Temlo Embedded Finance Platform

An enterprise financial services enablement platform designed to empower banks, Electronic Money Issuers (EMIs), and financial institutions to extend their existing infrastructure, connect with business partners, and deliver embedded financial services through a unified integration and orchestration layer.

  • Multi-tenant partner and financial program management
  • Unified financial services APIs and payment orchestration
  • Core Banking, EMI, and payment network integration
  • Digital onboarding, eKYC, and identity verification
  • Collections, disbursements, and merchant payment services
  • Settlement, reconciliation, and financial operations
  • Fraud monitoring, risk controls, and compliance-supporting workflows
  • Partner, developer, and operational management portals
Electronic Money Issuers (EMIs)Banks & Financial InstitutionsDigital Financial Service ProvidersFinTech & Digital Wallet Operators
Explore Financial Enablement
Business models
Enterprise Platform Licensing • Integration Partnerships • Dedicated Platform Deployment • Enterprise Customization
Market-Ready

Digital Wallet & Electronic Money Infrastructure

Temlo Consumer & EMI Wallet Platform

An end-to-end digital wallet and electronic money infrastructure platform designed to empower financial institutions to deliver secure, scalable, and integrated digital financial services. Enabling the complete consumer wallet lifecycle, from digital onboarding and account management to financial transactions, settlement, and operational oversight.

  • Digital wallet and customer account lifecycle management
  • Consumer onboarding, eKYC, and identity verification integration
  • Wallet funding, withdrawals, and peer-to-peer transfers
  • Financial ledger, balance management, and transaction controls
  • Banking, payment network, and financial service integrations
  • Transaction limits, monitoring, and risk management controls
  • Settlement, reconciliation, and financial reporting
  • Centralized back-office operations and administrative management
Electronic Money Issuers (EMIs)Banks & Financial InstitutionsDigital Financial Service ProvidersFinTech & Digital Wallet Operators
Explore Consumer & EMI Wallet
Business models
Enterprise Platform Licensing • White-Label Opportunities • Integration Partnerships • Dedicated Platform Deployment
Engineering Experience

What We’ve Delivered

From enterprise financial platforms and payment infrastructure to merchant solutions and secure digital services, our engineering experience reflects years of delivering solutions to complex, real-world business challenges.

Banking & Financial Integration

InstaPay & Interbank Transfer Integration

Designed and delivered an interbank fund transfer integration aligned with InstaPay and ISO 20022 messaging specifications, enabling secure financial transactions and streamlined payment workflows.

  • Interbank transfers
  • Payment validation
  • Transaction monitoring

Merchant Payment Solutions

Smart POS & Merchant Acquiring Platform

Engineered and deployed an Android Smart POS platform enabling merchants and financial institutions to deliver card-present payment services and digital financial transactions.

  • Debit card transactions
  • Cash-out processing
  • Centralized terminal management
Verified achievement: 200+ Smart POS devices deployed.

Enterprise Financial Integration

Enterprise Open API Platform

Developed a revenue-generating financial services integration platform supporting secure connectivity between businesses, financial institutions, and third-party service providers.

  • Identity verification integrations
  • Fund transfers
  • Reconciliation and reporting
Verified founder experience: Live platform operating since 2020.

Enterprise Business Operations

Merchant Management & Reconciliation Portal

Delivered a centralized merchant operations platform providing real-time transaction visibility, financial reporting, and reconciliation tools.

  • Real-time merchant dashboards
  • Settlement and reconciliation
  • Operational monitoring
Verified achievement: Supported 100+ merchants.

Digital Payments

Payment Gateway & Hosted Checkout

Engineered digital payment acceptance solutions designed to simplify merchant collections and deliver secure, convenient customer payment experiences.

  • Hosted checkout
  • Payment links
  • QR-based workflows

Financial Services

Bills Payment & Financial Services Integration

Delivered financial service integration components enabling organizations to connect with billers, process payments, and manage transaction inquiries.

  • Biller services
  • Account verification
  • Balance inquiry

Enterprise Security Solutions

Identity & Access Management

Designed centralized identity and access management solutions that help enterprises securely manage users, applications, and digital services.

  • Centralized authentication
  • Role-based permissions
  • Administrative controls

Artificial Intelligence

Agentic AI Platform

An intelligent enterprise automation platform focused on improving customer experiences, operational decision support, and business workflow efficiency.

  • AI customer support
  • AI knowledge management
  • Fraud & AML risk intelligence
  • Workflow automation

Digital Identity

eKYC & Digital Identity Platform

A digital identity and customer verification solution designed to simplify onboarding processes and support enterprise identity workflows.

  • Identity document verification
  • Facial matching
  • Verification workflow management

Proven in Production

Technology Built for Real Financial Operations

Temlo combines production experience, secure engineering practices, and financial technology expertise to build platforms designed for reliability, scalability, and real-world transaction processing.

Production-Deployed Financial Technology

Built for Real-World Financial Operations

Temlo designs, builds, and deploys financial platforms used in real-world wallet, payment, merchant, settlement, and financial-service operations.

  • Wallet
  • Payments
  • Merchant
  • Settlement

Transaction Proof

₱1B+

Processed Through Temlo-Engineered Platforms

More than ₱1 billion in cumulative transaction value has been processed through software and financial platforms engineered by Temlo.

Security Engineering

Secure Engineering Lifecycle

Security is incorporated throughout the software delivery lifecycle, from development and source-code analysis through independent security testing before production deployment.

Secure Engineering Lifecycle

Security is incorporated throughout the software delivery lifecycle, from development and source-code analysis through independent security testing before production deployment.

  1. Step 1Source Code Scanning
  2. Step 2Source Code Review
  3. Step 3Security Assessment
  4. Step 4Vulnerability Assessment
  5. Step 5Penetration Testing
  6. Step 6Production Deployment

Software engineering and technology solutions

From custom and enterprise software to SaaS and cloud platforms, financial technology, AI-enabled automation, and system integrations, we build solutions for evolving business needs.

Software Engineering

Turn ideas into secure, reliable software built around your business needs.

Consultancy & Strategy

Clarify requirements, plan architecture, and choose a practical path from idea to delivery.

UX/UI Design

Create clear, user-centered digital experiences shaped around real workflows.

System Integration

Connecting your systems and third-party services through efficient APIs.

Maintenance & Support

Keep software reliable with ongoing maintenance, improvements, and technical support.

Have project in mind?

Reach us at hello@temlo.io
Grad shape
How we work

Streamline your path to success

Shaping the right plan before a single line of code is written. We help you clarify goals, define requirements, and map out a secure, scalable strategy that aligns with both technical and business needs.
Where ideas turn into secure, scalable systems. We translate your requirements into well-architected, production-ready solutions built with clean code, modern frameworks, and security by design at every layer.
Polishing, validating, and preparing your system for real-world use. We refine the experience, optimize performance, resolve edge cases, and ensure everything works flawlessly before delivering a stable, secure release.

What clients say about Temlo, Inc.

We are grateful to Patrick for the solutions he has designed and created which upgraded our network's ability to handle more traffic and more products, while at the same time compliant to international security standards. My team appreciates how he breaks down complex problems in a non-technical manner that is easy for us to understand and make decisions on. This means he has a very high understanding of our processes, while at the same time possesses the technical skills and knowledge of the appropriate solutions to deploy.

Emmanuel B.

President & CEO, Nationlink Network / Infoserve Corp.

Patrick has been a key contributor in designing and executing our official website, delivering a site that meets our needs with excellence. He also played a vital role in developing our online portal, which continues to be an invaluable tool in our daily operations. Beyond the project completion, Patrick consistently offers his technical expertise, promptly addressing any issues we encounter with our app. His dedication, professionalism, and depth of knowledge have greatly benefited our team, making him an indispensable partner in our digital efforts

Adel M.

Chief Finance Officer, SciGate Technology Corp.

Temlo has been a reliable technology partner, consistently delivering robust and scalable financial solutions. Their deep FinTech expertise, commitment to quality, and understanding of our business needs make them a valuable partner in driving innovation and growth.

Rodell A.

President & CEO, BEAT Technologies Corp.

About Temlo, Inc.

Our mission

To deliver secure, compliant, and intelligent software solutions that drive growth, efficiency, and lasting customer impact.

Our goal

To be a trusted technology partner that empowers businesses to innovate, scale, and lead in the digital economy.

Reach us at hello@temlo.io
Temlo, Inc.26/F One Vertis Plaza, Vertis North, Brgy. Bagong Pag-asa, Quezon City 1105
hello@temlo.io
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