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B2B Fintech · Europe · Processing $50M+ / year

Transaction throughput plateaued and pricing scaled linearly with users. A regulatory audit required code-level traceability.

Bubble.io + XanoNext.js + Python / FastAPI + PostgreSQL
10×
transactions handled
60%
lower infra cost
$290k
saved per year
The situation

What they were actually dealing with.

A European B2B fintech processing over $50 million a year had built on Bubble and Xano. The platform had carried them from nothing to real transaction volume, which is the part most rebuild stories skip past. It had also stopped being able to carry them further.

The binding constraint

Transaction throughput had plateaued in a way no amount of workflow tuning moved, pricing was scaling linearly with user count regardless of actual usage, and a regulatory audit required code-level traceability a no-code platform structurally cannot produce. None of this permitted downtime, because this was live money movement for paying customers.

What we did

The decisions that actually mattered.

Not a task list. The four calls that determined whether this worked.

01

Python and FastAPI chosen for the throughput ceiling specifically

The plateau was diagnosed as Xano's generic execution layer, not the business logic itself. FastAPI was chosen because the transaction-processing paths needed async I/O and connection pooling tuned to this specific load pattern, not a framework default.

02

Traceability designed as the mechanism, not a feature

Every state transition writes a structured, queryable audit record with actor, before-state, and after-state. This was the foundation of how the new backend was built, because retrofitting audit trails into a finished payments system is where compliance projects overrun.

03

Parallel run against live transaction volume

The new backend processed the same live events as the old one, with automated reconciliation comparing outputs, before it took over any real traffic. Discrepancies were found and closed while Bubble was still authoritative.

04

Cost restructured, not just re-platformed

The 60% infrastructure reduction came from replacing Xano's per-workflow-unit billing with infrastructure sized to actual usage, a cost structure that was structurally unavailable on the old stack regardless of code quality.

For calibration

Is this outcome remarkable or ordinary?

For calibration: a 10x increase in transaction throughput alongside a 60% infrastructure cost reduction runs against the usual trade-off, where scaling capacity increases cost. That combination is only available when the constraint was the platform's execution model rather than the underlying business logic, which is what the migration confirmed here.

Source: Comparison against typical throughput-vs-cost scaling trade-offs in transaction-processing systems

Migration unlocked compliance and cut our run-rate. Same product, half the bill, and a real engineering team can finally ship on it.
Co-founder, B2B Fintech
The takeaway

If you're in the same position.

When a no-code platform's pricing model scales with usage rather than value delivered, the throughput problem and the cost problem are usually the same problem wearing two names. Fixing the execution layer tends to fix both at once.

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