Fintech
Fintech software, built to be audited.
Payments, ledgers, lending, KYC and invoicing on proven open-source cores, delivered at a fixed price with compliance designed in from the first sprint.
- ISO 27001
- 2022 certified management system
- ISO 9001
- 2015 certified management system
- Fixed
- Price and date in the proposal
- 100%
- Code, IP and infrastructure yours
(01) Capabilities
What we build.
- 01
Payments
Card, bank-transfer and wallet flows through Stripe and local rails. Card data stays with the processor.
- 02
Ledgers and core banking
Double-entry ledgers, accounts and products on Apache Fineract, with every posting traceable.
- 03
Lending
Origination, underwriting rules, disbursement, repayment schedules and collections.
- 04
KYC and AML
Identity verification, sanctions screening, risk scoring and case management with audit trails.
- 05
Invoicing
GST, VAT and statutory-ready invoicing, reconciliation and reporting.
- 06
Open banking
Consent flows, account aggregation and strong customer authentication for PSD2-style APIs.
(02) Reference architecture
One architecture, audit-ready from sprint one.
Channels
- Web app
- Mobile app
- Partner API
- Admin portal
Edge and identity
- API gateway
- Keycloak SSO
- Rate limiting
- WAF
Domain services
- Ledger
- Payments
- KYC and AML
- Lending
- Invoicing
- Notifications
- Reporting
Open-source cores
- Apache Fineract
- Odoo
- PostgreSQL
- Redis
Infrastructure
- AWS or Azure
- Kubernetes
- CI/CD
- Observability
- Encrypted backups
(03) Compliance
Compliance designed in, not bolted on.
- Designed for
PCI-DSS
Card data stays with the processor. We design to keep your scope small.
- Designed for
GDPR
Data minimisation, consent, retention rules and regional data residency.
- Designed for
PSD2
Strong customer authentication and open-banking consent flows.
- Designed for
AML and KYC
Screening, risk scoring, case management and audit trails.
- Designed for
SOC 2 controls
Access control, change management and logging built into delivery.
- Designed for
Tax and reporting
GST, VAT and statutory reporting for the markets you serve.
Delivered under an ISO 27001:2022 and ISO 9001:2015 certified management system.
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