As CTO of Morna Tech, a consulting studio in Venezuela, Kevis Rondon wanted to take the leap into fintech with the company’s first licensed financial product. His team had years of experience building crypto and web apps, but this was their first time handling fiat payments in a regulated environment, where even small mistakes can be costly.

“We had just secured our license and were starting from scratch,” Kevis recalls. “We needed to be sure we didn’t lose users’ money and that every transaction was tracked with total accuracy.”

The new product, Pago a Pago, aimed to combine P2P convenience with B2B integrations, enabling both individuals and businesses to easily send and accept payments. But with pressure to launch quickly, Kevis realized they needed the right partner to move forward.

Morna Tech's Criteria for a Ledger Partner

With regulation came responsibility. Kevis and his team had clear standards for their financial ledger system:

• Immutability: Every transaction needed to be tamper-proof and stored in an audit-ready format.
• Clear Documentation: Thorough, developer-friendly docs to accelerate integration.
• Real-time Balance Tracking: To prevent overdrafts or discrepancies.
• Scalable Database: Able to handle high transaction volumes without latency.

That’s when Blnk Finance appeared on their radar.

The Solution

When the team at Morna Tech discovered Blnk Finance, something clicked. The docs were straightforward, the API design was practical, and the examples matched real-world fintech use cases.

“I’m not very good with accounting, but the docs were easy to understand and helped us get started right away,” he said.

After testing Blnk Core, the choice became obvious.

Cutting down development time in half

Once the team got hands-on with Blnk, everything started to fall into place. Blnk Core became their single source of truth for financial data.

They now had a ledger system, identity management, and built-in workflows to track fees, splits, revenue, and user balance tracking with accuracy. Blnk’s infrastructure handled accounting correctness, audit trails, and compliance guardrails.

In parallel, they adopted Blnk Cloud for operational control. “The dashboard is amazing and very intuitive to use,” said Mario, CEO of Morna Tech.

Today, the team uses Cloud for back-office visibility and reporting — reviewing transaction records, creating and reconciling balances, and monitoring internal accounts like revenue and fees.

Having the financial core + Cloud dashboard stack meant Morna Tech could build fintech functionality without reinventing the wheel.

Just six months in, Pago a Pago was live. In its first two months, the platform processed over 200,000 transactions through Blnk’s ledger database.

“After building with Blnk for months, we can confidently say it works amazingly as a financial core. When we launched Pago a Pago, people liked it so much that we got a lot of questions asking what Core we were using,” Mario said.

“Overnight, Blnk gave us an opportunity we never thought possible.”

Becoming an Integration Partner

Once they successfully launched Pago a Pago, Morna Tech saw a new opportunity: to be an integration partner for customers in Venezuela.

This was only possible because of Blnk’s scalable, developer-first design; our open-source ledger architecture made it easy to extend, and the ledger balance logic was precise and reliable.

"Our licenses and data infrastructure mean we're already one foot in the door. With Blnk, we can walk into any institution and demo a working system."

Building on the Blnk Ecosystem

As a team invested in fintech, Morna Tech was keen to explore Blnk Finance's growing ecosystem. “We can’t wait to try out the other features in Blnk. Anything you guys put out is always great — almost like an Apple event.”

“We have been thinking about transaction monitoring, for example. And we are willing to ditch our other considerations for Blnk Watch when we’re ready.”

Expanding Beyond Pago a Pago

What began as a leap of faith, became a success story built on the shoulders of a well‑designed financial platform. For Morna Tech, Blnk Core and Cloud provided the scaffolding, and their own team added the domain logic, UX, business strategy, and local presence that made Pago a Pago credible.

Morna Tech's journey is a testament to what happens when good engineering meets the right infrastructure partner.