How Qualifast Rebuilt

the CreditBySphinx Platform

CreditBySphinx had already validated the value of digitizing mortgage brokerage workflows. The existing platform automated data collection, supported internal operations, and helped the company generate new business.

The problem was ownership. The original technical partner blocked access to the codebase and demanded a disproportionate share of future revenue.

Instead of accepting that dependency, CreditBySphinx raised new investment and decided to rebuild the platform from scratch with Qualifast.

The goal was not only to replace code. The new platform had to:

This turned the project into a platform rescue mission: the business was working, the product was useful, but the technical foundation had become a strategic risk.

When a working platform is rewritten, users cannot be asked to accept a weaker product. The new version needed to reach feature parity quickly and support the same operational depth from the beginning.

Qualifast analyzed the existing product, broker processes, and French market-specific mortgage mechanisms such as PTZ and pret-relais.

The rewrite required understanding and preserving:

Some flows were straightforward product engineering. Others required careful domain discovery because they reflected local credit regulation and market practice.

The team kept the delivery iterative, but always with the constraint that the replacement platform had to feel like an upgrade rather than a downgrade.

During the platform analysis, Qualifast discovered that mortgage applications were relayed through a Windows server integrated with CIFACIL, a vetted system required for storing application data in France.

The existing implementation sent collected application data over plain HTTP. For mortgage applications containing highly sensitive personal and financial information, this was a major security concern.

Qualifast introduced an intermediate security layer to improve:

The work was technically important and operationally delicate: it had to protect sensitive data while preserving the regulated integration path required by the French market.

After a few months of focused development, the new platform reached feature parity and replaced the previous system.

The new version was based on professional UX designs, giving brokers and customers a significantly smoother experience while maintaining the workflows they already depended on.

The migration delivered:

The most important result was continuity. Users did not feel that the rewrite was a step back. They received a more polished product backed by a healthier technical foundation.

The end-user experience improved, but one of the largest differences came from the engineering process behind the platform.

Qualifast introduced continuous integration, strict change management, automated quality control, exception alerts, and resource monitoring in the cloud environment.

The new delivery process helped the client:

For a client that previously struggled to get fixes delivered at all, proactive monitoring and disciplined delivery processes created a major shift in trust and operational confidence.

As platform usage grew, more intermediaries joined because the product made credit workflows easier to manage.

Qualifast then helped expand the platform beyond mortgage applications by introducing automated consumer credit processes.

The consumer credit extension added:

This extension increased demand for the platform and showed that the rebuilt product could support more than one credit vertical.

Two years after the project started, a prominent French bank expressed interest in acquiring the platform.

The deal moved quickly, which meant the technical handover had to be structured, clear, and complete.

Qualifast supported the transition by transferring:

Because the infrastructure was cloud-based and maintained as code, the system was easier for the acquiring team to inspect, understand, and continue operating.

The handover was completed in about a month and a half. It became the first successful exit of a company Qualifast had worked on, proving that strong product engineering can directly support business outcomes.

The CreditBySphinx project shows how technical partnership can change the trajectory of a business under pressure.

Qualifast helped the client move from dependency on an unstable technical situation to full ownership of a secure, scalable platform.

Throughout the engagement, Qualifast helped CreditBySphinx:

For businesses operating in regulated financial markets, software quality is not only a technical concern. It can become the difference between operational risk and strategic value.