Top Software Company on Clutch 2026
Software Development Company
that delivers projects on time and within budget
Pharos Production is a custom software development company headquartered in Las Vegas, Nevada, with an engineering office in Kyiv, Ukraine. Founded in 2013 by Dr. Dmytro Nasyrov, the company specializes in Web3, blockchain, FinTech and AI application development with a team of 90+ engineers.
Free consultation · No commitmentWhat we can do
Pharos Production is a software development company specializing in blockchain, Web3 and FinTech solutions. Founded in 2013, the company has delivered 70+ applications for clients across crypto, finance, e-commerce and enterprise sectors, with a team of 90+ engineers in Las Vegas and Kyiv.
We offer 5 service categories:
- Software Development: At Pharos Production, we turn complex business challenges into high-performing digital solutions. With extensive expertise in high-load systems, scalable architectures…
- Blockchain Development: Pharos Production leads in blockchain innovation by creating decentralized solutions that are secure, transparent and built for the future. From…
- Software Security: Security is never an afterthought at Pharos Production — it’s integrated into every stage of development. Our team employs advanced…
- Software Consulting: Pharos Production offers strategic software consulting that aligns business goals with technology. We assist you in selecting the right architecture,…
- Software Testing and QA: Quality assurance is central to everything we do. At Pharos Production, our dedicated QA team employs both manual and automated…
Software Development
At Pharos Production, we turn complex business challenges into high-performing digital solutions. With extensive expertise in high-load systems, scalable architectures and modern development frameworks, our team creates software that is both reliable and designed to grow with your business. We stay within budget, meet deadlines and ensure every product release aligns with your long-term vision.
Categories
- Mobile Apps Development
- Database Design
- Manual and Automation QA
- Telegram Mini Apps
- UI/UX Design
Blockchain Development
Pharos Production leads in blockchain innovation by creating decentralized solutions that are secure, transparent and built for the future. From smart contracts to DeFi platforms, our experience with high-load Web3 systems ensures your project emphasizes performance, scalability and compliance. Partner with us to develop blockchain applications that foster trust and promote adoption.
Services:
- Smart Contract Architecture Design
- Smart Contract Coding
- Contract Testing & Formal Verification
- Deployment & Integration of Smart Contracts
- Security Audits & Gas Optimization
Supported Blockchain Platforms:
- Ethereum (ERC-20, ERC-721, ERC-1155)
- TON
- Solana
- MultiversX
- Binance Smart Chain (BSC)
- Cosmos
- EVM-based (Base, Polygon, Avalanche and more)
- Private/permissioned Blockchains (Hyperledger, Consensys GoQuorum)
Software Security
Security is never an afterthought at Pharos Production — it’s integrated into every stage of development. Our team employs advanced security practices, including code audits, penetration testing and compliance checks, to protect your applications and data. Whether safeguarding critical financial platforms or sensitive enterprise systems, we ensure your software remains resilient against emerging threats.
Categories
- Smart Contracts Audit
- Blockchain Audit
- dApp Audit
- Crypto Wallet Audit
- Application-Level Security
- Server and Infrastructure Security
- Data Protection
- User and Operational Security
- Third-party and Compliance Security
Software Consulting
Pharos Production offers strategic software consulting that aligns business goals with technology. We assist you in selecting the right architecture, optimizing your infrastructure and validating your product vision before development starts. With decades of combined experience, our team ensures you make informed decisions that save time, cut costs and put your project on a clear path to success.
Categories
- Software Architecture Design
- Startup Consulting
- MVP
- Software Product Discovery Phase
- Business Analysis
- DevSecOps Consulting
- Software Reliability Engineering
Software Testing and QA
Quality assurance is central to everything we do. At Pharos Production, our dedicated QA team employs both manual and automated testing to verify functionality, performance and security. From unit testing to large-scale load testing, we make sure your software is stable, bug-free and ready for real-world use. This dedication to quality ensures smooth launches and happy users.
Categories
- Automation Testing
- Performance Testing
- Manual Testing
- Regression Testing
- Penetration Testing
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Software Development
At Pharos Production, we turn complex business challenges into high-performing digital solutions. With extensive expertise in high-load systems, scalable architectures and modern development frameworks, our team creates software that is both reliable and designed to grow with your business. We stay within budget, meet deadlines and ensure every product release aligns with your long-term vision.
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Categories
- Mobile Apps Development
- Database Design
- Manual and Automation QA
- Telegram Mini Apps
- UI/UX Design
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Blockchain Development
Pharos Production leads in blockchain innovation by creating decentralized solutions that are secure, transparent and built for the future. From smart contracts to DeFi platforms, our experience with high-load Web3 systems ensures your project emphasizes performance, scalability and compliance. Partner with us to develop blockchain applications that foster trust and promote adoption.
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Services:
- Smart Contract Architecture Design
- Smart Contract Coding
- Contract Testing & Formal Verification
- Deployment & Integration of Smart Contracts
- Security Audits & Gas Optimization
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Supported Blockchain Platforms:
- Ethereum (ERC-20, ERC-721, ERC-1155)
- TON
- Solana
- MultiversX
- Binance Smart Chain (BSC)
- Cosmos
- EVM-based (Base, Polygon, Avalanche and more)
- Private/permissioned Blockchains (Hyperledger, Consensys GoQuorum)
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Software Security
Security is never an afterthought at Pharos Production — it’s integrated into every stage of development. Our team employs advanced security practices, including code audits, penetration testing and compliance checks, to protect your applications and data. Whether safeguarding critical financial platforms or sensitive enterprise systems, we ensure your software remains resilient against emerging threats.
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Categories
- Smart Contracts Audit
- Blockchain Audit
- dApp Audit
- Crypto Wallet Audit
- Application-Level Security
- Server and Infrastructure Security
- Data Protection
- User and Operational Security
- Third-party and Compliance Security
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Software Consulting
Pharos Production offers strategic software consulting that aligns business goals with technology. We assist you in selecting the right architecture, optimizing your infrastructure and validating your product vision before development starts. With decades of combined experience, our team ensures you make informed decisions that save time, cut costs and put your project on a clear path to success.
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Categories
- Software Architecture Design
- Startup Consulting
- MVP
- Software Product Discovery Phase
- Business Analysis
- DevSecOps Consulting
- Software Reliability Engineering
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Software Testing and QA
Quality assurance is central to everything we do. At Pharos Production, our dedicated QA team employs both manual and automated testing to verify functionality, performance and security. From unit testing to large-scale load testing, we make sure your software is stable, bug-free and ready for real-world use. This dedication to quality ensures smooth launches and happy users.
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Categories
- Automation Testing
- Performance Testing
- Manual Testing
- Regression Testing
- Penetration Testing
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Software Development
At Pharos Production, we turn complex business challenges into high-performing digital solutions. With extensive expertise in high-load systems, scalable architectures and modern development frameworks, our team creates software that is both reliable and designed to grow with your business. We stay within budget, meet deadlines and ensure every product release aligns with your long-term vision.
Categories
- Mobile Apps Development
- Database Design
- Manual and Automation QA
- Telegram Mini Apps
- UI/UX Design
Blockchain Development
Pharos Production leads in blockchain innovation by creating decentralized solutions that are secure, transparent and built for the future. From smart contracts to DeFi platforms, our experience with high-load Web3 systems ensures your project emphasizes performance, scalability and compliance. Partner with us to develop blockchain applications that foster trust and promote adoption.
Services:
- Smart Contract Architecture Design
- Smart Contract Coding
- Contract Testing & Formal Verification
- Deployment & Integration of Smart Contracts
- Security Audits & Gas Optimization
Supported Blockchain Platforms:
- Ethereum (ERC-20, ERC-721, ERC-1155)
- TON
- Solana
- MultiversX
- Binance Smart Chain (BSC)
- Cosmos
- EVM-based (Base, Polygon, Avalanche and more)
- Private/permissioned Blockchains (Hyperledger, Consensys GoQuorum)
Software Security
Security is never an afterthought at Pharos Production — it’s integrated into every stage of development. Our team employs advanced security practices, including code audits, penetration testing and compliance checks, to protect your applications and data. Whether safeguarding critical financial platforms or sensitive enterprise systems, we ensure your software remains resilient against emerging threats.
Categories
- Smart Contracts Audit
- Blockchain Audit
- dApp Audit
- Crypto Wallet Audit
- Application-Level Security
- Server and Infrastructure Security
- Data Protection
- User and Operational Security
- Third-party and Compliance Security
Software Consulting
Pharos Production offers strategic software consulting that aligns business goals with technology. We assist you in selecting the right architecture, optimizing your infrastructure and validating your product vision before development starts. With decades of combined experience, our team ensures you make informed decisions that save time, cut costs and put your project on a clear path to success.
Categories
- Software Architecture Design
- Startup Consulting
- MVP
- Software Product Discovery Phase
- Business Analysis
- DevSecOps Consulting
- Software Reliability Engineering
Software Testing and QA
Quality assurance is central to everything we do. At Pharos Production, our dedicated QA team employs both manual and automated testing to verify functionality, performance and security. From unit testing to large-scale load testing, we make sure your software is stable, bug-free and ready for real-world use. This dedication to quality ensures smooth launches and happy users.
Categories
- Automation Testing
- Performance Testing
- Manual Testing
- Regression Testing
- Penetration Testing
Pharos Production serves 18 industries including Crypto, Web3 and Blockchain, Sports and Sportsbooks, Casino and Gambling, FinTech, Healthcare, E-Commerce, Insurance, Energy and Utilities, Education, Telecom, Media and Entertainment, Logistics and Transportation, Marketing, Banking, Construction and Real Estate, Agriculture, Travel.
Industries we serve
Crypto
Pharos Production has 12 years of experience creating secure, high-performance solutions for the rapidly evolving crypto industry. We build exchanges, wallets and tokenization platforms that prioritize security, speed and compliance-helping businesses grow while safeguarding user trust.
- crypto exchanges
- token issuers
- custody providers
- DeFi protocols
- crypto payment gateways
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Empowering Care Providers through AI-Powered Patient
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Empowering Care Providers through AI-Powered Patient
View in detail -
Empowering Care Providers through AI-Powered Patient
View in detail -
Empowering Care Providers through AI-Powered Patient
View in detail
Web3 and Blockchain
As pioneers in Web3 and blockchain development, Pharos Production creates scalable dApps, smart contracts and decentralized platforms. Our proven track record in high-load blockchain systems guarantees your projects are built for both performance and adoption.
- dApp developers
- NFT marketplaces
- DAO platforms
- Blockchain infrastructure providers
- Layer 2 solutions
Sports and Sportsbooks
Pharos Production specializes in building scalable, real-time platforms for sports and betting. With 12 years of experience, we deliver systems that handle live data feeds, massive user loads and secure financial transactions.
- online sportsbooks
- sports analytics companies
- fantasy sports platforms
- sports betting operators
- sports data providers
Casino and Gambling
We create casino and iGaming platforms that are secure, reliable and engaging. With expertise in high-load architectures and regulatory compliance, Pharos Production guarantees smooth gameplay, safe transactions and strong user retention.
- online casinos
- iGaming providers
- game studios
- lottery operators
- regulatory technology providers
FinTech
Pharos Production has 12 years of experience delivering innovative financial technology solutions. From payment gateways to trading platforms, we develop secure, compliant and scalable systems that empower modern finance.
- Digital banks
- Lending platforms
- Payment processors
- Wealth management platforms
- Trading and investment apps
Healthcare
We assist healthcare organizations in modernizing their systems with secure, scalable software. Pharos Production develops HIPAA/GDPR-compliant solutions that protect data while enhancing patient outcomes and operational efficiency.
- Healthcare payers
- Medical laboratories
- Healthcare providers
- Biotech and pharma
- Medical devices and diagnostics
E-Commerce
Pharos Production develops scalable e-commerce platforms that increase conversions and improve user experience. Our expertise ranges from high-performance marketplaces to personalized shopping engines.
- Online retailers
- B2B marketplaces
- Subscription platforms
- Fashion and lifestyle brands
- Food delivery services
Insurance
We provide digital solutions that assist insurers in modernizing operations, reducing risks and serving clients more quickly. Pharos Production creates claims automation, underwriting and customer self-service platforms customized for insurance needs.
- insurance carriers
- brokers
- insurtech startups
- reinsurance companies
- claims management firms
Energy and Utilities
Pharos Production helps energy companies improve operations with secure, scalable software. From real-time monitoring to predictive analytics, we support businesses as they adapt to the changing energy industry.
- utility providers
- renewable energy companies
- oil and gas operators
- smart grid solution providers
- energy trading platforms
Education
With 12 years of experience, Pharos Production develops engaging and scalable EdTech platforms. From virtual classrooms to personalized learning systems, we create tools that empower both learners and educators.
- universities and colleges
- online course platforms
- edtech startups
- training centers
- certification providers
Telecom
We assist telecom operators with high-performance platforms that guarantee reliable connectivity and customer management. Pharos Production provides solutions for billing, network monitoring and digital services
- telecom operators
- internet service providers
- VoIP companies
- telecom equipment providers
- mobile app providers
Media and Entertainment
Pharos Production develops high-capacity platforms for streaming, gaming and interactive experiences. Our solutions provide smooth performance for millions of users around the world.
- video streaming services
- online gaming platforms
- digital content distributors
- music streaming companies
- production studios
Logistics and Transportation
We create logistics and transportation systems that streamline operations and boost efficiency. From fleet management to real-time tracking, Pharos Production makes sure your supply chain runs smoothly.
- freight forwarders
- shipping companies
- logistics startups
- last-mile delivery providers
- fleet operators
Marketing
Pharos Production develops scalable platforms that drive data-driven marketing campaigns. Our expertise in analytics and automation helps businesses connect with the right audience and increase ROI.
- digital marketing agencies
- martech startups
- customer data platforms
- ad tech companies
- loyalty program providers
Banking
We assist banks in modernizing with secure, compliant and scalable digital platforms. Pharos Production specializes in online banking, mobile apps and transaction processing systems.
- retail banks
- corporate banks
- investment banks
- neobanks and regulatory compliance providers
Construction and Real Estate
Pharos Production creates digital solutions that make real estate management and construction workflows easier. From property marketplaces to project tracking, we provide tools that improve transparency and efficiency.
- real estate agencies
- property marketplaces
- construction firms
- proptech startups
- facility management companies
Agriculture
We deliver digital transformation to agriculture with software that boosts productivity and sustainability. Pharos Production develops platforms for precision farming, supply chain management and intelligent monitoring.
- agritech startups
- food supply chains
- farm equipment companies
- cooperatives
- agricultural exporters
Travel
Pharos Production develops travel platforms that offer seamless booking, personalization and real-time updates. Our solutions guarantee smooth user experiences for both travelers and providers.
- online travel agencies (OTAs)
- airlines
- hotel chains
- travel aggregators
- tour operators
Why Choose Pharos Production
- >50 MVPs and PoCs Created
- >70 Applications created
- >90 Top-class engineers
- >13 Years in Business
Pharos Production has achieved over 50 mvps and pocs created, over 70 applications created, over 90 top-class engineers, and over 13 years in business.
About Dmytro Nasyrov, Founder & CTO
I design and build reliable software solutions — from lightweight apps to high-load distributed systems and blockchain platforms.
PhD in Artificial Intelligence, MSc in Computer Science (with honors), MSc in Electronics & Precision Mechanics.
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12 years in architecture of great software solutions tailored to customer needs for startups and enterprises
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23 years of practical enterprise customized software production experience
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Lecturer at the National Kyiv Polytechnic University
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Doctor of Philosophy in Artificial Intelligence
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Master’s degree in Computer Science, completed with excellence
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Master’s degree in Electronics and precision mechanics engineering
Software Architecture
AI
Blockchain
Web
Mobile
DevOps
An approach to the development cycle
We divide the project into sprints of 2 weeks, after each sprint there is a retrospective of the work done, planning for the next sprint, a report of the work done and a plan for the next sprint
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Team Assembly
Our company starts and assembles an entire project specialists with the perfect blend of skills and experience to start the work.
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MVP
We’ll design, build, and launch your MVP, ensuring it meets the core requirements of your software solution.
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Production
We’ll create a complete software solution that is custom-made to meet your exact specifications.
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Ongoing
Continuous Support
Our company will be right there with you, keeping your software solution running smoothly, fixing issues, and rolling out updates.
Client testimonials
Direct feedback from founders, CTOs and project managers who partnered with Pharos Production
Based on 305 verified client reviews
Top Project
Pharos Production has successfully developed smart contracts and deployed them on multiple blockchain networks, built a robust data aggregation system, and designed a scalable server infrastructure. The team of professionals has also developed and documented web and iOS app development and Android app development that allows external platforms to integrate with the client.
Reviews
Independent reviews from Clutch, GoodFirms and Google — verified client feedback on our software projects
Based on 15 verified client reviews
View case studies-
SocialPharos Production Inc. helped the client achieve over 10,000 downloads in the first three months and a 35% increase in repeat orders. Moreover, the team provided excellent project management, met all deadlines, and responded quickly to all requests for changes. Overall, it was a smooth experience.
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Information TechnologyPharos Production Inc. successfully launched a secure, stable blockchain solution that aligned with the client's requirements. The team achieved all milestones on time and maintained regular communication to ensure both sides stayed in sync. Their extensive technical expertise was truly remarkable.
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iGamingPharos Production Inc. delivered a reliable game that received great reviews from testers and co-promotion partners. The team was highly responsive, flexible with changes, and delivered work on time. Moreover, their impressive quality and fair pricing stood out.
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FinTechThanks to Pharos Production Inc.'s efforts, the client's platform scalability increased by 40%, and transaction processing speed improved by 35%. The team also mitigated all critical security vulnerabilities. Moreover, they utilized Jira, Slack, and Zoom for effective project management.
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Web3 & CryptoPharos Production Inc.'s efforts resulted in a 40% increase in transaction processing efficiency, a 30% improvement in blockchain integration speeds, and the mitigation of all critical security risks. The team was transparent, proactive, and technically proficient.
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iGamingPharos Production Inc. successfully conducted a thorough security audit of the client's system and delivered a detailed report outlining recommendations for improvement. The team executed each aspect of the project efficiently without compromising quality. They were also knowledgeable and reliable.
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Web3 & CryptoPharos Production Inc. delivered a scalable, efficient platform tailored for high-performance and secure trading. The team reduced transaction processing times, increased platform adoption rates, and enhanced user engagement metrics, much to the client's delight.
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SocialPharos Production Inc.'s dedicated efforts led to a remarkable 95% increase in tracking accuracy for the client. The team used Jira, Trello, and Zoom to communicate and manage the project. Their technical knowledge was a hallmark of their work.
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HealthcarePharos Production delivered a secure and scalable healthcare platform that integrated seamlessly with our existing clinical systems and workflows. Their team demonstrated strong domain expertise, clear communication and consistent delivery throughout the project lifecycle.
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HealthcarePharos Production helped us modernize our patient-facing applications while ensuring full compliance with healthcare security and privacy requirements. The project was delivered on schedule and the resulting platform significantly improved both clinician efficiency and patient engagement.
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HealthcarePharos Production worked closely with our clinical and operations teams to build an impressive digital platform that enhanced complex care coordination workflows. Their skill in translating healthcare requirements into reliable, scalable software was instrumental to the project's success, showcasing a strong partnership that made a difference!
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HealthcarePharos Production provided us with an exceptional healthcare software platform that excelled in both regulatory compliance and user experience. Their meticulous delivery process and deep expertise in clinical systems have firmly established them as our reliable, valued long-term technology partner.
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HealthcarePharos Production has been instrumental in our digital transformation, delivering a secure, interoperable healthcare platform that aligns with our long-term vision. Their exceptional ability to harmonize regulatory compliance, system scalability, and user experience has made our collaboration not only efficient but also a fantastic strategic partnership. We’re truly grateful!
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HealthcarePharos Production delivered an adaptable digital health platform that enabled us to swiftly introduce new patient services while ensuring robust data security. Their technical skills and forward-thinking attitude gave us the confidence to grow as our user community flourished!
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HealthcarePharos Production transformed our outdated hospital systems with a cutting-edge, robust software platform that enhanced operational visibility and simplified integrations. Their meticulous engineering and deep knowledge of healthcare made them an invaluable partner we could truly rely on!<br />
Choose your cooperation model
Suitable for the project test
MVP
Core software architecture, initial UI/UX, working prototype in 3 months
$10,000-$25,000
Popular choice
Suitable in 9 out of 10 cases
Full-fledged Production
Software architecture, UI/UX, customized software development, manual and automated testing, cloud deployment
$25,000-$50,000
Turnkey development
Full-cycle Development
Comprehensive software architecture and documentation, UI/UX design layouts, UI kit, clickable prototypes, cloud deployment, continuous integration, as well as automated monitoring and notifications.
$50,000-$80,000
Prices vary based on project scope, complexity, timeline and requirements. Contact us for a personalized estimate.
Staff Augmentation, Dedicated Teams & Outsourcing
Request staff augmentation
Need extra hands on your software project? Our developers can jump in at any stage – from architecture to auditing – and integrate seamlessly with your team to fill any technical gaps.
Popular choice
Hire dedicated experts
Whether you’re building from scratch or scaling fast, our engineers are ready to step in. You stay in control, and we handle the code.
Outsource your project
From first line to final audit, we handle the entire development process. We’ll deliver secure, production-ready smart contracts, while you can focus on your business.
108+ technologies
Technologies, tools and frameworks we use
Our engineers work with 108+ technologies across blockchain, backend, frontend, mobile and DevOps — chosen for production reliability and performance.
Frameworks
Backend Frameworks 5
Spring Boot
Erlang OTP
NodeJS
Phoenix
NestJS
Front End Frameworks 4
React
Next.JS
Svelte
Angular
Mobile Apps Frameworks 9
iOS
Android
Flutter
React Native
Capacitors
Ionic
Swift
Kotlin
Java
Blockchains
Private and Public Blockchains 33
Ethereum
TON
Corda
Tron
Hedera
Stellar
Consensys GoQuorum
Solana
Arbitrum
Binance Smart Chain (BSC)
Sei
Celo
Hyperledger
MultiversX
IOTA
Polkadot
Aptos
Neo
Flow
Algorand
Avalanche
EOS
Optimism
Polygon
Cosmos
Sui
Tezos
Ontology
Fantom
NEAR Protocol
VeChain
Base
IPFS
Cloud Blockchain Solutions 4
Amazon Managed Blockchain
Amazon QLDB
IBM Blockchain
Oracle Blockchain
DevOps
DevOps Tools 9
Kubernetes
Terraform
Docker
Istio
Prometheus
Grafana
Jenkins
ArgoCD
Ansible
Clouds
Clouds 3
Amazon Web Services
Azure
Google Cloud
Databases
Databases 9
PostgreSQL
MySQL MariaDB
Redis
Cassandra
Neo4J
MongoDB
Elasticsearch
Solr
Ignite
Brokers
Event and Message Brokers 3
Kafka
RabbitMQ
Flink
Tests
Test Automation Tools 6
Postman
Appium
Cucumber
Selenium
JMeter
Cypress
Programming
Programming Languages 11
Solidity
FunC
Rust
GoLang
Elixir
Erlang
C++
Java
JavaScript
TypeScript
Scala
UI/UX
UI/UX Design Tools 12
Figma
Zeplin
InVision
Sketch
Miro
Marvel
Balsamiq
Photoshop
Illustrator
XD
After Effects
Corel Draw
Platforms We Work With
Trusted by Coinbase, Consensys, Core Scientific, MicroStrategy, Gate.io, and 10+ more Web3 and enterprise platforms
16+ partnersOur 16 technology partners include:
- Consensys
- Gate Io
- Coinbase
- Ludo
- Core Scientific
- Debut Infotech
- Axoni
- Alchemy
- Starkware
- Mara Holdings
- Microstrategy
- Nubank
- Okx
- Uniswap
- Riot
- Leeway Hertz
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Consensys
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Gate Io
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Coinbase
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Ludo
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Core Scientific
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Debut Infotech
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Axoni
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Alchemy
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Starkware
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Mara Holdings
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Microstrategy
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Nubank
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Okx
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Uniswap
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Riot
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Leeway Hertz
Trusted & Certified
Partnerships & Awards
Recognized on Clutch, GoodFirms and The Manifest for software engineering excellence
65+ industry awards
Frequently Asked Questions (FAQ)
Last updated: March 18, 2026
Reviewed by:
Dmytro Nasyrov
(Solutions Architect)
Navigate the technical nuances of FinTech 2026. From the architecture of Hybrid Finance to the implementation of Zero-Knowledge Identity, these answers provide the engineering context needed for decision-making in the post-2025 landscape.
Type to filter questions and answers. Use Topic to narrow the list.
Showing all 11
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Try a different keyword, change the topic, or clear filters
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Hybrid Finance in 2026 is an architecture that keeps product UX and most app data in Web2 systems while anchoring settlement and audit events on-chain. Choose it when you need low latency user experiences and verifiable settlement across multiple parties with programmable rules.
The main limitations are regulatory and operational complexity around custody and key management plus reconciliation risks and chain cost or latency spikes.
Key points- Keep UX and most data in Web2, anchor settlement and audits on-chain
- Choose it for low latency and verifiable multi-party settlement with programmable rules
Learn more: Hybrid Finance 2026 Opens in the same page.
Key terms: Shared Ledger, Open Banking API
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ZK-Identity is a compliance approach where users prove KYC and eligibility claims with zero-knowledge proofs instead of sharing raw documents. Use it when your priority is data minimization and selective disclosure while keeping verification portable and audit-ready.
The constraints are trusted credential issuers and revocation and dispute processes plus proof system complexity and integration overhead.
Key points- Prove eligibility and KYC claims with zero-knowledge proofs, not raw documents
- Use it to reduce data exposure and enable portable verification across partners
Key terms: Private L2, Permissioned Transfers
Reference: ZK Identity Banking Compliance
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RWA tokenization is the representation of real-world assets as regulated on-chain tokens so ownership and transfers can be automated and audited. It is most useful when you want fractional access and faster delivery versus payment and programmable corporate actions for assets with clear legal wrappers.
The hard parts are legal structuring and custody and identity gating and reliable pricing and corporate action data rather than the token contract itself.
Key points- Tokenize real-world assets to make ownership programmable and settlement faster and auditable
- Works best when compliance rules and transfer restrictions must be enforced automatically
Key terms: Real-Time Settlement, Delivery-versus-Payment (DvP)
Reference: RWA Tokenization
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AI agents in FinTech are software actors that execute workflows by calling APIs and proposing or triggering financial transactions. Plan for them when you want automation across operations and customer support and treasury and you can enforce policies and approvals and monitoring around every action.
Without guardrails they can generate unsafe transactions or leak sensitive data or create compliance violations so production needs strict limits and simulation and anomaly detection and an auditable control plane.
Key points- Agents shift systems to tool-driven workflows with policy checks and audit trails
- You need scoped credentials, approvals and observability, not direct unattended signing
Key terms: Event Indexing, Anomaly Detection in Payment Flows
Reference: AI Agents FinTech Infrastructure
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A stablecoin rail is a payments and settlement path where value moves via stablecoin transfers rather than traditional interbank messaging and settlement. It makes sense for high frequency cross-border flows and treasury rebalancing and programmable settlement when you have reliable liquidity and on and off ramps and compliance monitoring.
The key risks are issuer and depeg exposure and regulatory uncertainty and dependency on custodians and exchanges plus chain outages or fee volatility.
Key points- Stablecoin rails enable 24/7 settlement for payments, treasury and cross-border transfers
- Use them when bank cutoffs hurt and API-native settlement improves operations
Key terms: Stablecoin Rail, SWIFT Messaging Layer
Reference: Stablecoin Rails
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Off-chain components are databases and services for personal data and analytics and high frequency reads and writes while on-chain components hold settlement-critical state and issuance and shared audit events. Put functionality on-chain when it must be independently verifiable across parties or deterministically executable under agreed rules and keep it off-chain when privacy or throughput dominates.
The main limitation is cross-domain consistency because bridging state creates additional failure modes and latency and security risks.
Key points- Keep PII and high-churn app state off-chain for privacy and speed
- Put settlement, ownership and policy rules on-chain as a shared source of truth
Learn more: Off-Chain On-Chain Hybrid Finance Stack Opens in the same page.
Key terms: Off-Chain Batching, Deterministic Finality
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Stablecoins are typically privately issued tokens designed to track fiat value, tokenized deposits are bank liabilities represented as tokens and CBDCs are central bank issued digital money. Choose based on who carries credit risk and what settlement finality you need and which permissioning and compliance model fits your jurisdiction and counterparties.
The constraints differ across redemption guarantees and privacy and programmability and interoperability and the legal regime can change faster than the technology.
Key points- Stablecoins are private liabilities, tokenized deposits are bank deposits and CBDCs are central bank money
- Choose based on issuer risk, access model and compliance requirements
Key terms: Stablecoin Rail, Central Bank Digital Currency
Reference: Stablecoin Tokenized Deposit CBDC
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AI agent guardrails are policy, security and runtime controls that validate intent and constraints before any transaction is signed. Implement a policy engine with allowlists and limits and counterparty checks and simulation then separate proposing from signing via controlled signers like MPC or HSM with step-up approvals.
Even with controls you must assume model error and prompt manipulation so continuous monitoring and audit logs and incident response and kill switches remain mandatory.
Key points- Enforce least privilege with tool allowlists and scoped signing rights
- Require simulation with limits on size, frequency, slippage and time windows
Key terms: Nonce Synchronization, Anomaly Detection in Payment Flows
Reference: Guardrails AI Agents Payments Trading Safe
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Hybrid Finance is a mixed architecture that combines regulated Web2 rails with on-chain settlement and programmability, while DeFi is primarily on-chain finance driven by smart contracts and open liquidity, and traditional banking runs on centralized regulated ledgers. Choose Hybrid Finance when you need bank grade compliance and low latency UX but still want verifiable settlement, choose DeFi when open on-chain composability is the product, and choose traditional rails when jurisdiction, counterparties, and operational constraints dominate.
The tradeoffs are custody and compliance perimeter design in Hybrid systems, smart contract and liquidity risk in DeFi, and slower settlement and limited programmability in traditional banking.
Key points- DeFi is on-chain first, banking is closed-ledger first and hybrid splits responsibilities
- Pick hybrid for mainstream UX with compliance plus shared settlement guarantees
Learn more: Hybrid Finance DeFi Traditional Banking Opens in the same page.
Key terms: Correspondent Banking, Open Banking API
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A tokenized deposit is a bank deposit represented as a token where the token remains a direct claim on the issuing bank under a deposit style liability framework. Banks prefer it when they want programmability and faster settlement while keeping compliance, controls, and redemption inside their regulated operating model and balance sheet.
The limitations are permissioned access, reduced interoperability versus open stablecoin rails, and concentration of operational and credit risk at the issuing bank.
Key points- A tokenized deposit is on-chain representation of regulated bank deposit liabilities
- Banks prefer it for familiar compliance controls and client onboarding processes
Key terms: Shared Ledger, Permissioned Transfers
Reference: Tokenized Deposit Banks Stablecoin
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Transaction simulation and approvals for agentic systems is a control pattern where an agent proposes an action, the system simulates outcomes against policies, and a separate signer approves and executes the transaction. Use it when agents can initiate payments, trades, or treasury moves and you need deterministic policy enforcement with audit logs and step up approvals for higher risk actions.
The main risks are state drift between simulation and execution, policy misconfiguration, and prompt or tool manipulation so you still need strict limits, monitoring, and kill switches.
Key points- Split flow into intent, plan and execute so users approve outcomes
- Simulate effects, fees and risk impact and show a readable diff
Key terms: Nonce Synchronization, Gas Fee Estimation
Recent articles
FinTech Trends 2026: How top FinTech trends are shaping digital banking after 2025
FinTech trends 2026 are moving from hype to production as blockchain payments, tokenized assets and smart contract automation reshape real-world finance. This guide from Dmytro Nasyrov, CTO at Pharos Production, explains how stablecoins, real-time settlement and embedded compliance improve UX, risk controls and reporting across banking and payments platforms. Learn where AI and data pipelines create measurable gains in cost, speed and governance and what to build next.
Guide to the Web3 Stack for Developers in 2026
This guide breaks down the Web3 development stack in 2026 and explains how modern teams choose blockchain tools that hold up in production. You will learn how wallets, smart contracts, nodes, indexing, storage and observability fit together and what tradeoffs developers should consider for security, performance and cost. Use it as a practical reference for planning architecture and shipping reliable Web3 applications.
How Crypto Works. Stablecoins
Stablecoins are cryptocurrencies whose value is pegged to real-world assets such as fiat currency, precious metals, or oil. The most well-known example is USDT, pegged to $1. These tokens are practical for everyday payments and transfers because other cryptocurrencies fluctuate unpredictably. Some stablecoins are not asset-backed but instead rely on smart contract algorithms that control the circulating supply to maintain a stable price.
Company history timeline
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2013
Founding of Pharos Production
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2014
First Development Office Opens in Kyiv, Ukraine
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2016-2018
Key Client Engagements and Industry Partnerships
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2018
Launch of Web3 & DeFi Product Incubation
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2019
Focus on Security and Compliance
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2022
Recognized as a Leading Custom Software Partner
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2023
Launch of Internal Frameworks
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2024
Scaling Teams & New Service Lines
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2026
Continuing Innovation and Global Partnerships
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Future
We are working to become leaders in the software development industry, having received the award as the best company of the year in the direction of the Clutch
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