How Morna Tech became a fintech operator with Blnk
Morna Tech had spent years building software for clients across Venezuela. Then the team secured a payments license and became its own customer.
To launch Pago a Pago, its first regulated financial product, Morna Tech needed to build an accurate financial core without spending a year developing a ledger from scratch.
“We needed to be sure we didn't lose users' money and that every transaction was tracked with total accuracy,” said Kevis Rondon, CTO and co-founder of Morna Tech.
Morna Tech is a Venezuelan software studio that builds web and mobile applications, AI support tools, and ERP integrations for clients in retail, hospitality, and logistics. Its team embeds with each client, works in Scrum, and ships against real business deadlines.
In 2025, Morna Tech applied that delivery model to its own product for the first time. After securing a payments license, the team began building Pago a Pago, a P2P and B2B payments app for individuals and businesses.
Morna Tech knew how to ship software quickly. It had not yet built a regulated product where a defect could affect a customer’s balance.
From software studio to regulated fintech
Kevis Rondon’s team had experience in full-stack development, AI integrations, ERP systems, and client delivery. What it had not built was the financial core of a regulated product, where every transaction must be recorded correctly and every balance must reconcile.
The team defined four requirements for the ledger underneath Pago a Pago:
- Immutable transaction records with a complete audit trail.
- Real-time balance updates and controls that prevent transactions from spending unavailable funds.
- Documentation its engineers could use without specialist accounting knowledge.
- Infrastructure that could support increasing transaction volume without the team rebuilding the financial core.
Morna Tech estimated that building the ledger internally would take close to a year. For a studio used to moving quickly on client timelines, that was a heavy lift and time spent away from the product itself.
Finding a fit
Morna Tech tested Blnk Core against those requirements. The team could map Pago a Pago’s transaction flows to Blnk’s API, and the documentation helped its engineers work through unfamiliar accounting concepts.
“I'm not very good with accounting, but the docs were easy to understand and helped us get started right away,” Kevis said.
The test gave Morna Tech confidence that it could use Blnk Core instead of building the ledger internally.
We were very convinced you were the right team. We believed you could shorten our development time from a year to four months.
Building Pago a Pago in six months
Morna Tech could focus on Pago a Pago’s application, user experience, business integrations, and merchant relationships instead of building its financial infrastructure from scratch. With Blnk Core underneath the product, the team could record user balances, fees, transaction splits, and revenue in one financial system.
Pago a Pago’s operations team could monitor transactions and balances without waiting for engineering to build a separate back-office reporting tool. Morna Tech provided that visibility through Blnk Cloud.
“The dashboard is amazing and very intuitive to use,” said Mario León, CEO of Morna Tech.
Pago a Pago launched in six months. Morna Tech had originally estimated that building the ledger alone would take close to a year.
The result
Since launch, Pago a Pago has processed transactions at production scale across thousands of customer balances.
That track record gave Morna Tech evidence that it could operate a regulated financial product, not only build one.
“After building with Blnk for months, we can confidently say it works amazingly as a financial core,” Mario said. “When we launched Pago a Pago, people liked it enough that we got a lot of questions about what core we were using.”
From fintech product to integration partner
Launching Pago a Pago expanded what Morna Tech could offer its clients. With a payments license, a live product, and experience operating financial infrastructure, the team is now positioning itself as an integration partner for banks and fintechs in Venezuela.
We want to offer Core integration services to other banks and fintechs. We're currently planning to implement Blnk for a bank here in Venezuela, so they can use the dashboard for their reporting, monitoring, and back office.
As Pago a Pago grows, Morna Tech wants to strengthen how it monitors transactions and is evaluating Blnk Watch for that next stage. The company’s next step is to take what it learned building and operating its own fintech product and apply it to financial institutions across Venezuela.
Morna Tech began Pago a Pago as its first regulated product. It came out of the project with a live payments platform, experience operating financial infrastructure, and a new service it can take to banks and fintechs across Venezuela.