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How Agentic Development Cut MyCredit's Expansion from 3 Months to 30 Days
AI AGENTIC DEVELOPMENT

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Day one

A codebase we'd never touched. 30+ microservices, business logic spread across services no one had fully mapped.

Hard deadline

New market live in 30 days. The traditional path — weeks of briefings, manual tracing, a team of 10–15 engineers — wasn't an option.

Here's what we did instead.

30

Days to market

vs 90–120 standard

32

Services

mapped autonomously

40%

Lower cost

vs traditional dev

0

Architecture briefings

agent mapped the architecture

About the project

A system we didn't build. A market we had to launch in 1 month.

MyCredit runs on a distributed .NET 8.0 ecosystem with 30+ independently deployed microservices. We had not originally built this system. Critical business logic was spread across separate services — registration, KYC verification, fraud marking, audit logging. A change in one flow could silently cascade into failures elsewhere.

The real bottleneck in systems like this isn't writing the code. It's understanding what touches what — before touching anything.

Challenge

Understanding the system was the hardest part.

What made this complex:

  • 30+ microservices, distributed logic
  • Cross-service cascade risk
  • Unfamiliar .NET 8.0 codebase
  • KYC, compliance, fraud rules spread across services
  • High cost of release mistakes at this scale

One change to a registration step could affect customer data flows, fraud checks, audit events, or validation logic elsewhere in the system.

Traditional approach: weeks of architecture walkthroughs, heavy reliance on client-side leads, manual service tracing, slow planning before implementation even starts.

That is where large-system delivery becomes both slow and expensive.

Solution

Spec-driven development: the agent reads the system.

Instead of unpacking the system service by service, we used AI agents to work across the entire architecture simultaneously.

Semantic Mapping

AI agents indexed all 32 services and built a cross-service dependency map.


Logic Orchestration

Changes defined at business-flow level — DRP documents, KYC uniqueness, payment adapters — executed across all services in parallel.


Consistency Validation

Agents validated every change against fraud marking, audit events, and customer state transitions before deployment.


Agent log

  • 32 services
  • 47 contracts generated
  • 112 tests written
  • Minimal client involvement
Result

From zero architectural familiarity to stable release. In 1 month.

The client did not have to freeze lead engineers for weeks to explain the system. Fewer meetings. Less manual tracing. Less coordination drag. Faster path to implementation.

METRIC

Time to market

Team size

Architecture briefings

Cost

Bugs at launch

Next market

TRADITIONAL

90–120 days

10–15 engineers

Weeks

High discovery overhead

High risk

Full cycle again

ARTJOKER
AGENTIC SDD

30 days

2–3 engineers

0

~40% lower

Stable release

Near-zero marginal effort

When architecture complexity goes beyond what a team can efficiently reason through manually — Spec-Driven Development (SDD) is a faster, leaner, and safer path to delivery.

Is this for you?

Right fit:

Fintech on microservice architecture
Planning market expansion or major adaptation
3+ month timeline is a real constraint
Need KYC, payment rail, or compliance integration

We also help with:

  • Architecture understanding in unfamiliar codebases
  • Cross-service delivery orchestration
  • Release-safe implementation at scale
  • Reducing delivery overhead on complex systems

Stuck between system complexity and a hard deadline?

This is exactly the kind of problem our Agentic SDD approach solves.

Tell us your stack and your timeline. We'll tell you whether Spec-Driven Development (SDD) fits — and what it would take.

No RFP No briefing deck One conversation
We will contact you shortly to arrange a meeting to discuss your goals. icon team

Kashcheiev Maksym

Head of Business Development

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